The db Time Deposit information sheet is updated to 30 June 2025 and shows a single set of terms: 12-month lock, €50,000 minimum, 0.01% rate. The promotional terms the product appears to offer on new money appear in no published document: they are placement offers that do not enter the information sheet. The db Conto Deposito document that would contain them, updated to 9 February 2026, does not itself carry the fixed-term rates.
For this reason this service does not appear in our rankings, comparator or comparison pages: it will once its terms can be verified against a dated official document.
Deutsche Bank — db Time Deposit
Deutsche Bank S.p.A.
db Time Deposit is the locking service Deutsche Bank offers on top of the db Conto Deposito: not a standalone product but an add-on reserved for existing account holders. The case is instructive about how the market works: the information sheet, which is the contractually binding document, states a 0.01% rate over twelve months with a €50,000 minimum, while the terms actually offered on new deposits live in separate promotional offers that do not appear in the document.
Data & conditions
| Deposit guarantee | EU guarantee €100,000 |
|---|---|
| Supported countries | EEA · 1+ countries |
| Regulator | Banca d'Italia · BaFin (gruppo) |
| Segment | B2C |
| Funding / solidity | Italian subsidiary of Deutsche Bank AG, subject to its direction and coordination |
| MiCA / License status | Licenza bancaria (Banca d'Italia) Italian banking licence (Bank of Italy) |
Strengths
- An international-scale issuer: the Italian subsidiary of Deutsche Bank AG, with the balance-sheet strength that implies.
- The lock sits alongside a full deposit account with payment services, not a deposit-only relationship.
- No notable sovereignty advantage documented.
Weaknesses
- The service's information sheet is stuck at June 2025 and shows a 0.01% rate with a €50,000 minimum: the real terms live in promotions not published in the document.
- It is an add-on: an existing Deutsche Bank account is required, so that account's costs must be assessed too.
- The €50,000 threshold in the document is five times the category norm and eats into the €100,000 guaranteed limit when added to other balances.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (Italian banking licence (Bank of Italy)): reporting to authorities and freezes on order.
Verdict
Score 3.0/5, average profile. In its favour: an international-scale issuer: the Italian subsidiary of Deutsche Bank AG, with the balance-sheet strength that implies. The trade-off to weigh: the service's information sheet is stuck at June 2025 and shows a 0.01% rate with a €50,000 minimum: the real terms live in promotions not published in the document.
On the Sovereignty lens the score is 0.4/5 (weak): the strength is censorship resistance (1.5/5), while fund control (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Is 0.01% really this product's rate?
It is the rate stated in the db Time Deposit information sheet, updated to 30 June 2025, for a twelve-month lock with a €50,000 minimum. That is the contractually binding document. The better terms the bank offers on new money do exist, but live in separate promotional offers that do not appear in the information sheet: they must be asked for and put in writing.
Why would a large bank publish such a low rate?
Because the information sheet describes the standing condition, the one applying in the absence of promotions, while deposit-raising is done through time-limited offers on new money. It is a widespread and entirely legitimate practice, but it means the official document and what you are offered at the branch can tell two very different stories. This applies to Deutsche Bank as to many others.
Sources
- trasparenza.deutsche-bank.it Data verified on Jul 27, 2026