Deposit calculator 2026 — Germany: interest and the €100,000 deposit guarantee

Deposits at private banks in Germany are protected by the Entschädigungseinrichtung deutscher Banken (EdB) up to EUR 100,000 per customer and bank, regardless of the number of accounts. Temporarily high balances (sale of a home, marriage, retirement) can be protected up to EUR 500,000.

Example for the default values — change any field and the result updates.

Final amount11,047 EUR
Interest earned1,047 EUR
Covered by the deposit guarantee11,047 EUR
Not covered (above the limit)0 EUR

The result is an estimate, not financial or legal advice. Check the exact terms with the company.

Verified companies: Banks · Germany

  1. 1Deutsche Bank97/100
  2. 2Hamburger Sparkasse95/100
  3. 3DKB93/100
  4. 4Berliner Sparkasse92/100
  5. 5Sparkasse KölnBonn85/100

See the full ranking

How it is calculated

Interest is calculated monthly at the annual rate ÷ 12. With monthly capitalization it is added to the balance and earns interest itself: final amount = amount × (1 + r)^n, where r is the monthly rate and n the number of months. Without capitalization interest is charged on the principal only and paid out: interest = amount × r × n.

A top-up is added at the end of every month except the last and earns interest from the next month. Interest earned = final amount − the deposit − all top-ups.

The insured amount is the part of the final amount (principal plus interest) within the guarantee limit per depositor and bank; the rest is uninsured. The limit applies to all your accounts in one bank together, so add up your other balances there. Taxes on interest and the bank's own day-count rules are not included.

Frequently asked questions

How much is protected in a German bank?

EUR 100,000 per customer and bank by law, regardless of the number of accounts; up to EUR 500,000 for certain life events within six months of the money being credited.

Sources