With a counterattack shortly before Christmas, the Consorsbank has again taken the lead in the call money comparison. 2.1 percent receive new customers there, guaranteed for six months. This pushed ING into second place.

The Consorsbank has refilled again! After ING was the first bank to break through the two percent mark for call money last week, Consors even increased it to 2.1 percent shortly before Christmas. As usual, the special interest rate is guaranteed for six months and is valid for new deposits of up to one million euros.

Open an overnight money account at the Consorsbank here

ING is now in second place with 2.0 percent, guaranteed for four months. However, the deposit amount is limited to EUR 50,000, higher deposits earn less interest. Bank 11 also continues to be at the forefront. Your 1.8 percent apply to deposits of up to EUR 250,000, also guaranteed for six months.

Open an overnight deposit account with ING here

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All three banks are subject to German deposit insurance and are also members of the deposit insurance fund of the Association of German Banks (BdB). Your credit balances are thus secured up to the millions and not just up to 100,000 euros as with other EU banks.

The mymoneybank from France is also in the top group. It offers 1.85 percent without an interest rate guarantee. Credits are secured by the French state up to 100,000 euros. You can find all the details about the daily money market leaders in the money market comparison from FOCUS online.

Existing customers currently have the best cards with Renault Bank. The French raised the call money rate on existing accounts again in December: to 1.0 percent. DKB also raised the interest rate for its existing customers to 0.4 percent as of December 1, as did ING, which increased the interest rate for its existing customers to 0.3 percent in December 2022. New customers at Dirk Nowitzki’s bank, on the other hand, already receive 2.0 percent. Existing Consorsbank customers will only receive 0.3 percent on overnight money from January 1, 2023. Surprisingly, the bank, which is courting new customers with attractive conditions, has so far paid its existing customers no interest at all on overnight money (0.00 percent).

In the case of the German bank mentioned, the German deposit protection fund of the Federal Association of German Banks (BdB, in the case of ING) and that of the savings banks (in the case of the DKB) also apply, so that customer deposits there are secured with even higher sums.

Are these call money rates still too low for you? Then take a look at our fixed deposit comparison. There, European banks are tempting with interest rates of up to three percent for a term of only one year. With two years, even 3.36 percent per year are possible. The best time deposit offer from a bank with German deposit insurance for a term of twelve months comes from Bank11 with 2.3 percent. For two years, pbb even pays 3.0 percent per annum directly.