Compare Fixed-Rate Deposits in Austria

Live offers across tracked providers in Austria — updated daily from the Giraffy database.

Live offers

20 live offers compared from 20 providers, from 2.90% brutto. Updated daily.

Bank Austria Festgeld Bank Austria AT

2.90% brutto

Festgeldanlage bei der Bank Austria (UniCredit-Gruppe). Garantierter Zinssatz.

Zinssatz: 2,9 % p.a.
Begriff: 6–24 Monate
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Raiffeisen Festgeld Raiffeisen Bank AT

3% brutto

Festgeldanlage bei Raiffeisen Austria mit regionaler Filialbetreuung.

Zinssatz: 3,0 % p.a.
Begriff: 1–60 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Hypo Tirol Festgeld AT Hypo Tirol AT

3.10% brutto

Zinssatz: 3,1 % p.a.
Begriff: 1–5 Jahre
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

BAWAG Festgeld BAWAG P.S.K.

3.10% brutto

Festzins-Ersparnisse von BAWAG P.S.K. — einfache Online-Einrichtung.

Zinssatz: 3,1 % p.a.
Begriff: 3–24 Monate
Mindesteinzahlung: 2.500 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Erste Bank Festgeld Erste Bank

3.20% brutto

Festgeldanlage bei der Erste Bank mit garantiertem Zinssatz für 6–24 Monate.

Zinssatz: 3,2 % p.a.
Begriff: 6–24 Monate
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Volksbank Festgeld AT Volksbank AT

3.20% brutto

Zinssatz: 3,2 % p.a.
Begriff: 1–5 Jahre
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

ING Festgeld ING Austria

3.30% brutto

Online-Festgeldanlage bei ING Österreich ohne Einrichtungsgebühr.

Zinssatz: 3,3 % p.a.
Begriff: 1–18 Monate
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Hypo NÖ Festgeld AT Hypo NÖ AT

3.30% brutto

Zinssatz: 3,3 % p.a.
Begriff: 1–5 Jahre
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

BKS Bank Festgeld AT BKS Bank AT

3.30% brutto

Zinssatz: 3,3 % p.a.
Begriff: 1–5 Jahre
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

easybank Festgeld easybank AT

3.35% brutto

Online-Festgeldanlage bei easybank – einer der wettbewerbsfähigsten Zinssätze von AT.

Zinssatz: 3,35 % p.a.
Begriff: 3–12 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Consorsbank Festgeld AT Consorsbank

3.40% brutto

Wettbewerbsfähiger Festzins von Consorsbank AT (BNP Paribas Gruppe).

Zinssatz: 3,4 % p.a.
Begriff: 3–12 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Oberbank Festgeld AT Oberbank AT

3.40% brutto

Zinssatz: 3,4 % p.a.
Begriff: 1–3 Jahre
Mindesteinzahlung: 5.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

N26 Feste Einsparungen AT N26 AT

3.50% brutto

Zinssatz: 3,5 % p.a.
Begriff: 3–12 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Bigbank Festgeld AT Bigbank AT

3.60% brutto

Festgeldanlage mit Spitzenzinsen bei Bigbank (Estland). Abgesichert durch die Europäische Einlagensicherung.

Zinssatz: 3,6 % p.a.
Begriff: 6–60 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Advanzia Tagesgeld AT Advanzia Bank

3.60% brutto

Zinssatz: 3,6 % p.a.
Begriff: 3–12 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Skalierbare AT-Fixeinsparungen Scalable AT

3.70% brutto

Zinssatz: 3,7 % p.a.
Begriff: 3–12 Monate
Mindesteinzahlung: 1.000 €
Tutela del deposito: EU DGS – bis zu 100.000 €

DKB Festgeld AT DKB Austria

3.80% brutto

Zinssatz: 3,8 % p.a.
Begriff: 3 Monate bis 5 Jahre
Mindesteinzahlung: 2.500 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Flatex Festgeld AT Flatex AT

3.80% brutto

Zinssatz: 3,8 % p.a.
Begriff: 1–12 Monate
Mindesteinzahlung: 500 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Santander Festgeld AT Santander Consumer Bank AT

3.90% brutto

Zinssatz: 3,9 % p.a.
Begriff: 1–3 Jahre
Mindesteinzahlung: 2.500 €
Tutela del deposito: EU DGS – bis zu 100.000 €

Trade Republic Festgeld AT Trade Republic

4% brutto

Zinssatz: 4,0 % p.a.
Begriff: 6–12 Monate
Mindesteinzahlung: 500 €
Tutela del deposito: EU DGS – bis zu 100.000 €

What are fixed deposits in Austria?

A fixed deposit or term deposit (Festgeld or Termineinlage) in Austria locks a lump sum with a bank for a set term, from a few months to several years, in return for a fixed, guaranteed interest rate for the whole period. Unlike a flexible savings account, you commit to leaving the money untouched until maturity, which typically earns a higher and predictable rate.

How the Austrian market works

Domestic banks, direct banks and EU banks passporting into Austria via deposit platforms all offer Festgeld, competing on rate and term. The rate is fixed at opening and does not change with the market, so fixed deposits suit savers who want certainty and do not need access. Longer terms usually pay more, though the yield curve can invert. As with savings interest, the 25% KESt applies to the interest earned. A common strategy is laddering, splitting a sum across staggered maturities so that a portion frees up regularly while the rest keeps earning the higher fixed rate. Savers can also access competitive term-deposit rates from EU banks through deposit-marketplace platforms, but should confirm which country's guarantee scheme applies and keep amounts within the €100,000 limit per bank to stay fully protected.

Benefits

Guaranteed rate — the interest is locked for the whole term regardless of market moves.

Higher returns — term deposits generally pay more than instant-access savings.

Predictable outcome — you know exactly what you will receive at maturity.

Deposit protection — balances are covered up to €100,000 per bank.

How to choose

Pick a term you are certain you will not need the money for, since early withdrawal is usually restricted or penalised. Compare fixed rates across banks and terms, considering laddering (splitting across several maturities) to balance rate and access. Check the minimum deposit, whether interest is paid annually or at maturity, and confirm the deposit-guarantee scheme, especially for cross-border EU banks offering top rates.

Leading providers in Austria

Banks such as Erste Bank, easybank, ING, Raiffeisen and DKB offer term deposits, alongside value providers like Bigbank and Consorsbank and neo-broker flatex. Cross-border EU banks accessed through deposit platforms sometimes lead on rate. They compete on the fixed rate, available terms and minimum deposit, with the deposit-guarantee scheme an important consideration for foreign banks.

What it costs

Fixed deposits charge no fee and pay interest, commonly ranging from around 2.9% to 4.0% depending on the term and provider, before the 25% KESt is deducted. Longer terms often pay more, though not always. The main trade-off is cost of access: withdrawing early typically forfeits interest or is not permitted, so the money is committed until maturity.

Protections and regulation

Banks are supervised by the FMA and the Oesterreichische Nationalbank, and eligible term deposits are covered by the statutory deposit guarantee scheme up to €100,000 per depositor per bank. Deposits at EU banks passporting into Austria fall under that bank's home-country guarantee up to the EU limit. Interest is subject to the 25% KESt, withheld at source by Austrian banks.

Common questions

Can I withdraw early? Usually not, or only with a penalty; the money is committed until maturity. Is the rate fixed? Yes, it is locked for the entire term. Is interest taxed? Yes, at 25% KESt. Are foreign EU banks safe? They are covered by their home-country guarantee up to the EU limit, so check the scheme.

Fixed-Rate Deposits in Austria — FAQ

What is the best fixed deposit rate in Austria right now?

Giraffy tracks 5 fixed-rate deposit accounts across Bank Austria AT,Raiffeisen Bank AT,Hypo Tirol AT,BAWAG P.S.K.,Erste Bank banks in Austria. Sort by highest rate and compare term lengths to see which account suits your timeline.

What is a fixed-rate deposit and how does it work?

A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.

Are fixed deposits safe?

Yes — the Austrian deposit guarantee protects up to €100,000 per person, per bank. Fixed deposits at FMA-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.

Can I withdraw money early from a fixed deposit?

Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.

What is the difference between a fixed deposit and an easy-access savings account?

Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.

What happens at the end of a fixed deposit term?

At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.

How are fixed deposit rates set in Austria?

Fixed deposit rates are closely linked to the central bank's benchmark rate. When the Financial Market Authority Austria (FMA) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.