A fixed-term deposit that actually beats inflation. Up to 8.6% p.a. on dual-protected savings — and unlike traditional Festgeld, your interest compounds daily.
It isn’t a gimmick and it isn’t a bonus rate that disappears after 3 months. The difference is structural. Here’s exactly where your yield comes from.
Traditional banks carry decades of branch networks, mainframe IT systems, and retail-loan books. Every euro of overhead comes out of the spread between what your money earns and what they pay you. Eisenberg Bank has none of that. We were built this decade, digital-first, lean by design.
Your Sparkasse lends your deposits out as mortgages at consumer rates and keeps the thin spread. We pool deposits with Tier-1 European asset management partners and allocate into short-term sovereign bonds, regulated money market funds, and institutional credit facilities. That’s where the real yield sits.
Old banks keep most of what your money earns and call it a business model. We take a flat operating margin and pass the rest back to you. Fully audited, fully regulated under Swiss financial law (FINMA) and EU deposit frameworks, and fully transparent — you can see the rate we pay out every single day.
At Sparkasse’s 2.8%, a €50,000 deposit earns €1,400 in a year. At our Diamond Vault rate of 8.6%, the same €50,000 earns €4,300 in a year — and that’s before compounding.
Same money. Dual deposit protection: CHF 100K Swiss + €100K EU. The only difference is who you trust to hold it. We think the choice is obvious.
Traditional Festgeld pays flat interest on your principal — that’s it. Let your interest sit, and it just sits. At Eisenberg Bank, every euro of accrued interest automatically joins your vault balance at the same rate. Daily.
A €50,000 deposit in a Diamond Vault at 8.6% p.a. earns €4,300 if the interest simply accrues and waits at the end. With daily compounding, the effective rate is 8.95% — and you walk away with roughly €175 more for doing nothing. Over longer terms, the gap widens quickly.
Or, if you’d rather not wait, you can route your accrued interest straight to your Eisenberg Bank Card and spend it every week while your principal keeps compounding. Read about weekly interest withdrawal →
All tiers earn from day one, compound daily, and are covered by dual Swiss + EU deposit protection.
Flexible access with competitive returns. Perfect for your emergency fund or short-term savings.
Higher returns for committed savers. The sweet spot between yield and liquidity for mid-term goals.
Our highest return tier. Maximum growth for serious savers with long-term horizons.
Yes. Eisenberg Bank AG is supervised by FINMA (Swiss Financial Market Supervisory Authority) and operates across the EU via banking passport. Your deposits are protected by Swiss deposit guarantee (esisuisse, up to CHF 100,000) plus the EU Deposit Guarantee Scheme (up to €100,000) via our EU partner bank. Dual protection, Swiss precision.
€5,000 for the Standard Vault, €50,000 for the Platinum Vault, and €100,000 for the Diamond Vault. The higher the tier, the higher the rate — all three compound daily.
The Standard Vault offers flexible early access so you can withdraw if you need to (with a small interest adjustment). Platinum and Diamond are genuine fixed-term products, but you can still take your accrued interest to your card every week while your principal stays locked in and earning.
At term end, your full balance — principal plus accrued interest — can be transferred to your own linked external bank account in a single tap. See how transfers work, or choose to automatically roll your deposit over at the same or a higher tier.
Because we don’t take banks’ money. We pool depositor funds ourselves and deploy them through regulated Tier-1 European asset management partners into short-term sovereign debt, money market instruments, and institutional credit. Each step is supervised by FINMA and audited by an independent big-4 firm.
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