2:I[4196,["648","static/chunks/648-1186a9b62566c1d6.js","29","static/chunks/29-15ae7fe4c2ae3e5a.js","145","static/chunks/145-d55997858fecfc74.js","333","static/chunks/333-6d9a238594daf613.js","329","static/chunks/app/news/%5Bslug%5D/page-b712c8abfc8955bf.js"],"default"] 3:I[2374,["648","static/chunks/648-1186a9b62566c1d6.js","29","static/chunks/29-15ae7fe4c2ae3e5a.js","145","static/chunks/145-d55997858fecfc74.js","333","static/chunks/333-6d9a238594daf613.js","329","static/chunks/app/news/%5Bslug%5D/page-b712c8abfc8955bf.js"],"default"] 5:I[8349,["648","static/chunks/648-1186a9b62566c1d6.js","29","static/chunks/29-15ae7fe4c2ae3e5a.js","145","static/chunks/145-d55997858fecfc74.js","333","static/chunks/333-6d9a238594daf613.js","329","static/chunks/app/news/%5Bslug%5D/page-b712c8abfc8955bf.js"],"default"] 6:I[4707,[],""] 8:I[6423,[],""] 9:I[9980,["185","static/chunks/app/layout-1f0c3d7503b24947.js"],"default"] 4:T6a2,Während die EZB die Leitzinsen senkt, gehen mehrere deutsche Banken einen ungewöhnlichen Weg: Sie erhöhen ihre Festgeld-Konditionen. Dieser scheinbare Widerspruch hat klare Gründe. ## Warum steigen die Festgeld-Zinsen? ### Liquiditätsbedarf der Banken Viele Institute benötigen Kundeneinlagen zur Refinanzierung und sind bereit, höhere Zinsen zu zahlen. Besonders Online-Banken und kleinere Institute locken mit attraktiven Konditionen. ### Aktuelle Top-Angebote (Stand: August 2025) - **1 Jahr Laufzeit**: bis zu 4,1% p.a. - **2 Jahre Laufzeit**: bis zu 3,9% p.a. - **3 Jahre Laufzeit**: bis zu 3,7% p.a. - **5 Jahre Laufzeit**: bis zu 3,5% p.a. ## Marktanalyse Die Schere zwischen großen Filialbanken und spezialisierten Anbietern wird größer. Während traditionelle Banken oft nur 1-2% bieten, locken Online-Anbieter mit deutlich höheren Zinsen. ### Neue Player am Markt Mehrere europäische Banken drängen mit attraktiven Festgeld-Angeboten auf den deutschen Markt. Die EU-Einlagensicherung macht dies für Sparer sicher und interessant. ## Experteneinschätzung "Sparer erleben gerade ein Zeitfenster mit ungewöhnlich guten Konditionen", erklärt Prof. Dr. Thomas Hartmann von der Universität Frankfurt. "Diese Situation wird nicht ewig anhalten." ### Handlungsempfehlungen: 1. **Vergleichen**: Aktuelle Angebote gründlich prüfen 2. **Timing**: Jetzt noch gute Zinsen für längere Laufzeiten sichern 3. **Streuen**: Einlagensicherung beachten (max. 100.000€ pro Bank) 4. **Flexibilität**: Nicht alles langfristig binden Die Experten erwarten, dass diese Hochzinsphase bei Festgeld noch 3-6 Monate anhält, bevor auch hier die sinkenden EZB-Zinsen durchschlagen.7:["slug","deutsche-bank-festgeld-2025","d"] 0:["B-tHA4_-D0_SCYyF-d88t",[[["",{"children":["news",{"children":[["slug","deutsche-bank-festgeld-2025","d"],{"children":["__PAGE__?{\"slug\":\"deutsche-bank-festgeld-2025\"}",{}]}]}]},"$undefined","$undefined",true],["",{"children":["news",{"children":[["slug","deutsche-bank-festgeld-2025","d"],{"children":["__PAGE__",{},[["$L1",["$","main",null,{"className":"min-h-screen bg-gradient-to-br from-slate-50 via-blue-50 to-indigo-50","children":[["$","$L2",null,{}],["$","$L3",null,{"article":{"id":"deutsche-bank-festgeld-2025","title":"Deutsche Banken erhöhen Festgeld-Zinsen trotz EZB-Senkung","subtitle":"Konkurrenz um Kundeneinlagen verschärft sich","content":"$4","author":"Sarah Zimmermann","publishedAt":"2025-08-20T14:20:00Z","readTime":"3 min","category":"Festgeld","tags":["Festgeld","Zinsen","Banking","Vergleich"],"image":"/img/2.png","relatedArticles":["ezb-zinsentscheidung-august-2025","tagesgeld-vergleich-2025"]}}],["$","$L5",null,{}]]}],null],null],null]},[null,["$","$L6",null,{"parallelRouterKey":"children","segmentPath":["children","news","children","$7","children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L8",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","notFoundStyles":"$undefined"}]],null]},[null,["$","$L6",null,{"parallelRouterKey":"children","segmentPath":["children","news","children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L8",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":"$undefined","notFoundStyles":"$undefined"}]],null]},[[[["$","link","0",{"rel":"stylesheet","href":"/_next/static/css/1cae45ca84d855d5.css","precedence":"next","crossOrigin":"$undefined"}],["$","link","1",{"rel":"stylesheet","href":"/_next/static/css/ad28453ff64770a0.css","precedence":"next","crossOrigin":"$undefined"}]],["$","html",null,{"lang":"de","suppressHydrationWarning":true,"children":[["$","head",null,{"children":[["$","link",null,{"rel":"icon","href":"data:image/svg+xml,📈"}],["$","meta",null,{"name":"theme-color","content":"#3B82F6"}],["$","link",null,{"href":"https://cdn.jsdelivr.net/npm/remixicon@4.3.0/fonts/remixicon.css","rel":"stylesheet"}]]}],["$","body",null,{"className":"__variable_e8ce0c __variable_5899e0 __variable_5f64cf antialiased","suppressHydrationWarning":true,"children":[["$","$L6",null,{"parallelRouterKey":"children","segmentPath":["children"],"error":"$undefined","errorStyles":"$undefined","errorScripts":"$undefined","template":["$","$L8",null,{}],"templateStyles":"$undefined","templateScripts":"$undefined","notFound":[["$","title",null,{"children":"404: This page could not be found."}],["$","div",null,{"style":{"fontFamily":"system-ui,\"Segoe UI\",Roboto,Helvetica,Arial,sans-serif,\"Apple Color Emoji\",\"Segoe UI Emoji\"","height":"100vh","textAlign":"center","display":"flex","flexDirection":"column","alignItems":"center","justifyContent":"center"},"children":["$","div",null,{"children":[["$","style",null,{"dangerouslySetInnerHTML":{"__html":"body{color:#000;background:#fff;margin:0}.next-error-h1{border-right:1px solid rgba(0,0,0,.3)}@media (prefers-color-scheme:dark){body{color:#fff;background:#000}.next-error-h1{border-right:1px solid rgba(255,255,255,.3)}}"}}],["$","h1",null,{"className":"next-error-h1","style":{"display":"inline-block","margin":"0 20px 0 0","padding":"0 23px 0 0","fontSize":24,"fontWeight":500,"verticalAlign":"top","lineHeight":"49px"},"children":"404"}],["$","div",null,{"style":{"display":"inline-block"},"children":["$","h2",null,{"style":{"fontSize":14,"fontWeight":400,"lineHeight":"49px","margin":0},"children":"This page could not be found."}]}]]}]}]],"notFoundStyles":[]}],["$","$L9",null,{}]]}]]}]],null],null],["$La",null]]]] a:[["$","meta","0",{"name":"viewport","content":"width=device-width, initial-scale=1"}],["$","meta","1",{"charSet":"utf-8"}],["$","title","2",{"children":"📈 Mezzanin Finanzierungs GmbH - Intelligente Geldanlage"}],["$","meta","3",{"name":"description","content":"Professionelle Finanzdienstleistungen für nachhaltigen Vermögensaufbau. 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