Login

Fixed deposit

Fixed-term deposits are among the safest and most popular forms of investment.

Fixed-term deposits are one of the most proven forms of investment for investors who value security, predictability and fixed returns. With a clearly defined term and a guaranteed interest rate, fixed-term deposits offer a reliable way to protect capital and increase it in a calculable manner.

As an experienced partner in the field of investments, we provide you with access to selected fixed-term deposit offers from renowned financial institutions. You benefit from attractive interest rates, different terms and transparent contractual conditions. Our experts will help you find a fixed-term deposit solution that optimally suits your financial goals.

Top Fixed-Term Deposit Comparison

Our current fixed-term deposit comparison provides you with a quick overview of particularly attractive conditions from various banks.
  • – Option to invest fixed-term deposits in different banks via a central account
  • – No fees for account opening or account management
  • – Simple and fast online identification via video identification procedure

Smart investment solutions for different investment goals

  • Company fixed-term deposits

Company fixed-term deposits

Efficient solution for companies that want to invest free liquidity safely and predictably. Corporate fixed-term deposits offer stable conditions and individually selectable terms for structured financial planning.
  • Savings Accounts

Savings Accounts

Maximum flexibility with daily availability of capital. Overnight deposits are particularly suitable for short-term investments where security and liquidity are paramount.
  • ETF's

Fixed-interest investments

Broadly diversified investment options for long-term asset planning. Fixed-interest investments provide access to various markets with clearly calculable returns.
  • Fixed deposit

Fixed deposit

Fixed interest rates and defined terms ensure predictable returns. A proven investment option for security-oriented investors.

Frequently Asked Questions

What is Flexgled?
A fixed-term deposit is a classic form of investment in which investors invest their capital for a fixed period at a guaranteed interest rate. During the term, the capital is generally not available, but investors benefit from stable and predictable returns. Fixed-term deposits are protected within the EU by the statutory deposit insurance.
The interest rate depends, among other things, on the term, the investment amount and the respective credit institution. As a rule, longer terms offer higher interest rates. You can find current conditions in our fixed-term deposit comparison.
With the so-called ladder strategy, the investment capital is distributed across several fixed-term deposits with different terms. This means that regularly released amounts can be reinvested at current conditions, which combines flexibility and return opportunities.
The optimal term depends on your financial goals and your liquidity planning. Short-term investments offer more flexibility, while longer terms usually offer more attractive interest rates.
Fixed-term deposits are particularly suitable for investors who value security, fixed returns and clear planning. It is suitable for both private investors and companies who want to invest surplus liquidity with low risk.

Through Heim Global Investor German Branch, you gain access to selected fixed-term deposit offers from various banks. Our advisors will support you in selecting suitable conditions and accompany you through the entire investment process.

Transfer Money for Investment

After selecting your fixed-term deposit, transfer the desired investment amount to the corresponding fixed-term deposit account. As a rule, interest begins to accrue after receipt of the amount within a few bank working days.

Fixed-term deposits within the EU are protected by the statutory deposit insurance up to 100,000 euros per customer and bank. In addition, many banks participate in voluntary protection schemes that may exceed this limit.

How Safe is a Fixed-Term Deposit?

Fixed-term deposits are among the safest forms of investment. The repayment of the invested capital and interest is tied to the solvency of the respective bank. Within the EU, the statutory deposit insurance applies, which secures deposits up to 100,000 euros.

Depending on the country and bank, additional security systems may exist that offer further protection.

European deposit insurance for fixed-term deposit accounts

All fixed-term deposits with banks within the European Union are subject to the harmonized EU deposit insurance. This protects deposits up to 100,000 euros per customer and bank.

The corresponding guidelines (EU 2014/49/EU) have been implemented in national law in all member states and guarantee a uniform level of protection. As a result, fixed-term deposits are comparably secured even with banks in other European countries.

Home

Login

About Us

Fixed deposit

Savings Accounts

Savings Accounts

Flex money

Contact