Question 1

Is my money actually protected?

Accepted Answer

Yes. Your deposits are protected up to CHF 100,000 by Swiss deposit protection (esisuisse), plus up to €100,000 per depositor under the EU Deposit Guarantee Scheme via our EU partner bank. Eisenberg Bank is supervised by FINMA and operates in the EU via banking passport.

Question 2

How can Eisenberg Bank pay 8.6% when Germany's best Festgeld caps at 3%?

Accepted Answer

Three structural reasons: (1) no branch overhead or legacy IT, (2) wholesale access via Tier-1 European asset management partners into sovereign bonds and money market instruments, (3) a thin operating fee instead of the fat spread traditional banks keep.

Question 3

Are Eisenberg Bank vaults Festgeld or Tagesgeld?

Accepted Answer

All Eisenberg Bank vaults are true Festgeld — your principal is locked for the fixed term (3, 6, or 12 months). The difference: your accrued interest is spendable every week via the Eisenberg Bank Card.

Question 4

What's the difference between the three vault tiers?

Accepted Answer

Standard (5.2%): 3-month Festgeld, from €5,000. Platinum (7.4%): 6-month Festgeld, from €50,000. Diamond (8.6%): 12-month Festgeld, from €100,000. All compound daily with weekly interest withdrawal via Card.

Question 5

What happens when my term ends?

Accepted Answer

You choose: roll over at the same rate, top up and upgrade to a higher tier, or transfer the full balance to your own bank account. Transfers are name-matched for safety.

Question 6

Can I withdraw my principal early?

Accepted Answer

Your principal is locked for the term. You can withdraw accrued interest to your Eisenberg Bank Card every week. For emergency early access, contact support for case-by-case evaluation with a small interest adjustment.

Question 7

Do I pay taxes on the interest?

Accepted Answer

Yes — interest income is subject to German capital gains tax (Kapitalertragsteuer) plus solidarity surcharge, with a €1,000 annual tax-free allowance. Eisenberg Bank provides a year-end tax statement.

Question 8

What if Eisenberg Bank fails?

Accepted Answer

Deposits are protected by Swiss deposit protection (esisuisse) up to CHF 100,000 and by the EU Deposit Guarantee Scheme up to €100,000 via our partner bank. Reimbursement within 7 working days of a bank failure.

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