A daily interest account (Tagesgeldkonto) is a flexible interest-bearing account where your money is available at any time without a fixed term. It’s a great place to park short-term savings, as it offers daily access to your funds while earning interest.

A fixed-term deposit (Festgeldkonto) is a savings product where you commit a specific amount of money for a fixed period - ranging from a few months to several years. In return, you receive a guaranteed interest rate for the entire duration. The longer the term, the higher the potential return.

Fixed-term deposits are ideal for risk-averse investors who want a guaranteed return over a set period, regardless of market interest rates. If you can set aside some savings for several months or years, this option can offer attractive returns. Fixed deposits can also help preserve wealth or serve as a conservative component of your retirement plan.

EasyInvesto is a robo-advisor platform that helps you invest in low-cost ETFs based on your financial goals and risk tolerance. It uses automated algorithms to build and manage your portfolio, saving you time and effort - perfect for hands-off investors who still want smart, diversified investments.

DWS has over 60 years of experience in offering both traditional and alternative investment solutions across all asset classes. Their investment experts professionally manage your ETF portfolio at low cost, making high-quality investing accessible and efficient.

WeltSparen gives you access to a wide range of fixed-term and daily interest accounts from across Europe, as well as straightforward investment products and affordable retirement plans through Raisin Pension. The platform has been rated "Very Good" for customer service by the German Institute for Quality Standards and Testing.

With just one login, you can manage all your investments in one place through their intuitive online banking interface.