Asset management, Term deposits
How you can benefit from term deposit investments, Plan ahead and leave your money in safe hands
Flexible
Maturities range from one week up to 60 months, and up to 12 months for foreign currencies.
Transparent
You can look forward to attractive interest rates in line with prevailing market terms, i.e. to predictable returns.
Diverse
You're not bound to the euro. Our online term deposit offer comprises six foreign currencies.
Investing spare cash – simply and efficiently, Your investment opportunities at a glance
| ServiceInvestments can be made in EUR and in foreign currencies | Fixed-Term Deposit OnlineDeposits can be made in EUR, AUD, CAD, CHF, GBP, JPY, and USD |
| ServiceAmount invested per transaction in EUR - Variable overnight deposits until further notice - Term deposits with maturities of between 1 week and 12 months - Term deposits with maturities of between 12 and 60 months | Fixed-Term Deposit Online ≥ €1 up to ≤ €20 million ≥ €10,000 up to ≤ €60 million ≥ €10,000 up to ≤ €5 million |
| ServiceInvestment amount per foreign-currency transaction - Variable overnight deposits until further notice - Term deposits with maturities of between 1 week and 12 months | Fixed-Term Deposit Online ≥ up to the equivalent of approx. €10 million in USD and GBP ≥ equivalent of approx. €10,000 up to €10 million in the relevant foreign currency |
| ServiceAccess to your money 24/7 | Fixed-Term Deposit Online |
| ServiceFlexible start dates, up to two bank business days following order entry | Fixed-Term Deposit Online |
| ServiceAutomatic or manual renewal options | Fixed-Term Deposit Online |
| ServiceFast inclusion of investments into the portal's financial overview | Fixed-Term Deposit Online |
| Service"Second pair of eyes" option for transactions | Fixed-Term Deposit Online |
| ServiceRelease via photoTAN | Fixed-Term Deposit Online |
Attractive add-on services for your term deposit
Converting demand deposits into term deposits
Cash that you will probably not need in the short term is better invested as a term deposit than as a demand deposit. We'd be happy to juggle the numbers with you.
Converting term deposits into securities
Securities might be a more lucrative investment form for term deposits that are renewed again and again. We'd be happy to create a pros and cons list with you.
Questions and answers, Frequently asked questions regarding Fixed-Term Deposit Online
To use Fixed-Term Deposit Online you will need a domestic customer number and access to Commerzbank's Corporate Client portal. Orders are released via photoTAN.
You also need a Commerzbank account which can be used as a reference account.
If you would like to invest in foreign currencies, you will also need a clearing account in the relevant currency.
We offer investments in US dollars (USD), Australian dollars (AUD), Canadian dollars (CAD), British pound sterling (GBP), Swiss francs (CHF) and Japanese yen (JPY), plus the euro. Please contact us if you are looking for term deposit investments in other currencies.
Yes, €10,000 or the equivalent in the foreign currency.
Upper limits apply to all individual transactions, various investments per day are possible.
Yes. Please contact us if you are looking to invest more than €20 million, or corresponding foreign-currency amounts.
Start dates are flexible and can be arranged up to two bank business days before. Same-day value trading is only possible until 18:00. Investment orders executed after 18:00 CET, on weekends, or holidays (New Year's Eve, Good Friday, Easter Monday, Labour Day [May 1st], Christmas Day, and Boxing Day) cannot start before the following bank business day.