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Saving and investing

İŞWEB fixed-rate savings accountremember

You just caught a winner

Your benefits:

  • can be opened online

  • can be opened using the ‘Postident’ identity verification process in any Deutsche Post branch

  • excellent returns

  • very high level of security, excellent for planning

  • small minimum deposit

İŞWEB fixed-rate savings accounts – as individual as you are.

With this proven form of investment, you can arrange fixed terms of between one month and five years – based on your specific personal needs. It goes without saying that the longer you invest, the higher the interest rate, which is guaranteed in advance, will be. So you see, time really is money. And to ensure that you don’t lose either of them, you can sign up for an İŞWEB fixed-rate savings account quickly and easily online – or from the comfort of your own home by faxing, posting or emailing us a scan of the signed application form.

  • İŞWEB fixed-rate savings accounts are available to individuals residing in the Federal Republic of Germany. İŞWEB fixed-rate savings accounts are not available for minors. Joint accounts opened using the Deutsche Post ‘Postident’ identity verification process are operated as ‘either/or’ accounts (joint accounts with each account holder individually authorised to conduct transactions alone) for a maximum of two people.

  • İŞWEB fixed-rate savings accounts can only be opened with a minimum deposit of 2,500 euros.

  • Deposits into a fixed-rate savings account from an İŞWEB account can only be made with a written order submitted by post, fax or by email as a scanned document.

  • The funds deposited into a fixed-rate savings account are not available until the end of the term.

  • Isbank generates monthly statements of account in case a transaction volume accumulates. The statements will be sent for free.

  • There are no fees for opening or maintaining an İŞWEB fixed-rate savings account.

  • Interest is credited at the end of the term, or per annum in case of accounts with terms of two years or more.

  • Customers can indicate on the fixed-rate savings account application form whether the term should automatically be extended at the end of the original term. Should an automatic extension not be desired, the interest and invested funds will be transferred from the customer’s fixed-rate savings account to their İŞWEB account at the end of the term. If an automatic extension is desired, the bank’s interest rates effective on the date the term is extended will apply.

  • If you would like to invest amounts of 250,000 euros and above, the employees at your İşbank branch would be glad to be of service.

Deposits with İşbank AG are insured within the scope of the EdB, which is a statutory deposit protection scheme. As of 1 January 2011, the EdB covers deposits of up to 100,000 euros per investor. Furthermore, İşbank AG is also a member of the Federal Association of German Banks’ Deposit Protection Fund; this fund protects deposits of up to € 29,948,000,- per investor.

  • Minimum deposit: € 2,500

  • Interest paid at the end of the term, or per annum in case of terms longer than 12 months.

term interest
3 months 0.35% p.a.
6 months 0.35% p.a.
12 months 0.50% p.a.
24 months 0.80% p.a.
36 months 1.00% p.a.
48 months 1.05% p.a.
60 months 1.15% p.a.

Deposits with İşbank AG are insured within the scope of the EdB, which is a statutory deposit protection scheme. As of 1 January 2011, the EdB covers deposits of up to 100,000 euros per investor. Furthermore, İşbank AG is also a member of the Federal Association of German Banks’ Deposit Protection Fund; this fund protects deposits of up to € 29,948,000,- per investor.

  • Simply print out the application for the type of account you wish to open, which can be found by clicking on Forms

  • Take the completed application to a Deutsche Post branch, where a Deutsche Post employee will verify your identity using your proof of identity and will complete the ‘Postident’ form, which you must then sign in person.

  • After verification of your identity, your documents will be posted to İşbank.

  • After checking the documents, we will open the desired account and send you your new account number.

  • If your instant-access savings account has sufficient credit balance, you can open a fixed-rate savings account by submitting the application with your account number either by fax, by post or by emailing us a scan of the application.

  • After processing your application for a fixed-rate savings account, we will send you confirmation with details such as the amount deposited, the term and the interest rate.

  • At the end of the term, the balance of the fixed-rate savings account and any interest accrued is transferred to your instant-access savings account. If you use online banking, you can transfer the funds to an account of your choice at any time, otherwise you can transfer the funds to an account at another bank by informing us in writing, by fax or by email.

  • Simply print out the application for the type of account you wish to open, which can be found by clicking on Forms

  • Take the completed application to a Deutsche Post branch, where a Deutsche Post employee will verify your identity using your proof of identity and will complete the ‘Postident’ form, which you must then sign in person.

  • After verification of your identity, your documents will be posted to İşbank.

  • After checking the documents, we will open the desired account and send you your new account number.

  • If your instant-access savings account has sufficient credit balance, you can open a fixed-rate savings account by submitting the application with your account number either by fax, by post or by emailing us a scan of the application.

  • After processing your application for a fixed-rate savings account, we will send you confirmation with details such as the amount deposited, the term and the interest rate.

  • At the end of the term, the balance of the fixed-rate savings account and any interest accrued is transferred to your instant-access savings account. If you use online banking, you can transfer the funds to an account of your choice at any time, otherwise you can transfer the funds to an account at another bank by informing us in writing, by fax or by email.