Compare Fixed Deposits in Austria

Fixed-term deposits in Austria are offered by 1 institution across the market, with deposits protected under Austria's deposit guarantee scheme up to €100,000. Lock in only funds you can commit for the full term — early withdrawal penalties on fixed-rate bonds can wipe out months of interest; compare the AER, not the gross rate.

18 live fixed deposits offers tracked across 18 Austrian providers, with rates from 2.90% gross. Data current as of 23 October 2026 and updated daily from the Giraffy database.

Live offers

18 live offers compared from 18 providers, from 2.90% gross. Updated daily.

Bank Austria Festgeld Bank Austria AT

2.90% gross

Fixed-rate deposit from Bank Austria (UniCredit group). Guaranteed rate.

Interest Rate: 2.9% p.a.
Term: 6–24 months
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

Raiffeisen Festgeld Raiffeisen Bank AT

3% gross

Term deposit from Raiffeisen Austria with regional branch support.

Interest Rate: 3.0% p.a.
Term: 1–60 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Hypo Tirol Festgeld AT Hypo Tirol AT

3.10% gross

Interest Rate: 3.1% p.a.
Term: 1–5 years
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

BAWAG Festgeld BAWAG P.S.K.

3.10% gross

Fixed-rate savings from BAWAG P.S.K. — simple online setup.

Interest Rate: 3.1% p.a.
Term: 3–24 months
Min. Deposit: €2,500
Deposit Protection: EU DGS — up to €100,000

Erste Bank Festgeld Erste Bank

3.20% gross

Fixed-term deposit from Erste Bank with guaranteed rate for 6–24 months.

Interest Rate: 3.2% p.a.
Term: 6–24 months
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

Volksbank Festgeld AT Volksbank AT

3.20% gross

Interest Rate: 3.2% p.a.
Term: 1–5 years
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

ING Festgeld ING Austria

3.30% gross

Online fixed-rate deposit from ING Österreich with no setup fee.

Interest Rate: 3.3% p.a.
Term: 1–18 months
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

BKS Bank Festgeld AT BKS Bank AT

3.30% gross

Interest Rate: 3.3% p.a.
Term: 1–5 years
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

easybank Festgeld easybank AT

3.35% gross

Online fixed deposit from easybank — one of AT's most competitive rates.

Interest Rate: 3.35% p.a.
Term: 3–12 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Consorsbank Festgeld AT Consorsbank

3.40% gross

Competitive fixed-term rate from Consorsbank AT (BNP Paribas group).

Interest Rate: 3.4% p.a.
Term: 3–12 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Oberbank Festgeld AT Oberbank AT

3.40% gross

Oberbank Festgeld AT: Interest Rate 3.4% p.a.; Term 1–3 years; Min. Deposit €5,000; Deposit Protection EU DGS — up to €100,000.

Interest Rate: 3.4% p.a.
Term: 1–3 years
Min. Deposit: €5,000
Deposit Protection: EU DGS — up to €100,000

N26 Fixed Savings AT N26 AT

3.50% gross

Interest Rate: 3.5% p.a.
Term: 3–12 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Bigbank Festgeld AT Bigbank AT

3.60% gross

Top-rate fixed deposit from Bigbank (Estonia). Via European Deposit Guarantee.

Interest Rate: 3.6% p.a.
Term: 6–60 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Advanzia Tagesgeld AT Advanzia Bank

3.60% gross

Interest Rate: 3.6% p.a.
Term: 3–12 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

Scalable AT Fixed Savings Scalable AT

3.70% gross

Scalable AT Fixed Savings is a fixed deposits offer from Scalable AT in Austria. Key details — Interest Rate: 3.7% p.a.; Term: 3–12 months; Min. Deposit: €1,000; Deposit Protection: EU DGS — up to €100,000.

Interest Rate: 3.7% p.a.
Term: 3–12 months
Min. Deposit: €1,000
Deposit Protection: EU DGS — up to €100,000

DKB Festgeld AT DKB Austria

3.80% gross

Interest Rate: 3.8% p.a.
Term: 3 months–5 years
Min. Deposit: €2,500
Deposit Protection: EU DGS — up to €100,000

Flatex Festgeld AT Flatex AT

3.80% gross

Flatex Festgeld AT is a fixed deposits offer from Flatex AT. Key details — Interest Rate: 3.8% p.a.; Term: 1–12 months; Min. Deposit: €500; Deposit Protection: EU DGS — up to €100,000.

Interest Rate: 3.8% p.a.
Term: 1–12 months
Min. Deposit: €500
Deposit Protection: EU DGS — up to €100,000

Santander Festgeld AT Santander Consumer Bank AT

3.90% gross

Santander Festgeld AT is a fixed deposits offer from Santander Consumer Bank AT. Key details — Interest Rate: 3.9% p.a.; Term: 1–3 years; Min. Deposit: €2,500; Deposit Protection: EU DGS — up to €100,000.

Interest Rate: 3.9% p.a.
Term: 1–3 years
Min. Deposit: €2,500
Deposit Protection: EU DGS — up to €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 18 fixed-rate deposit accounts across 18 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.