Deutsche Bank Ramps Up Fundraising: Average Deposit on New Account Exceeds €100,000. Deutsche Bank has reached 70% of its annual deposit target in just three months. The average deposit size is now over €100,000. The bank is strengthening cross-sales and revising terms for high-income clients.
Deutsche Bank has recorded a sharp increase in interest in its annual product — the Depósito Confianza Más DB. In the first three months of 2026, the bank has already achieved 70% of its annual fundraising target, with the average deposit amount exceeding €100,000. This result sets the product apart from other market offerings and highlights the bank's focus on clients with above-average incomes.
Depósito Confianza Más DB is designed for a one-year term and starts with a base rate of 2.25% APR. This is lower than several competitors, where returns reach 3%, and falls short of the annual yield on Letras del Tesoro, which at the latest auction showed 2.63%. However, Deutsche Bank offers clients the possibility to increase the rate to 3.25% APR by meeting certain conditions: salary deposits, active use of a credit card, and investments in the bank's funds. The maximum deposit amount is limited to €150,000, with a minimum of €25,000. Early withdrawals are subject to a 4% penalty.
The bank is focusing not only on attracting large deposits but also on developing cross-selling. According to Deutsche Bank, 77% of new clients who open the deposit account simultaneously open a Cuenta Más DB. This account program offers a €500 bonus for monthly salary deposits starting from €2,000 and requires maintaining an average balance of at least €3,000 for a year. For account balances from €10,000 to €150,000, an interest rate of 1.5% applies.
In the first quarter of 2026, the bank tripled the share of clients transferring funds from deposits to investment products compared to the same period last year. This trend reflects Deutsche Bank's strategy for working with the premium segment and its drive to strengthen its position in the high-net-worth client market. Notably, these changes in the banking sector are taking place amid overall increased competition for affluent depositors and higher service standards.
The context of recent years shows that competition for large deposits and premium clients is becoming an increasingly prominent trend in the Spanish banking sector. Against this backdrop, not only Deutsche Bank but also other major players are adjusting their strategies to maintain their positions. Similar processes involving changes in priorities and competition for resources have previously been observed in other areas, for example, in the reallocation of investments in infrastructure projects, as was the case with the military base in Jaén — for more on this, see the article on the consequences of relocating military investments for the region.
For reference: Depósito Confianza Más DB is not the only product on the market offering increased returns when additional conditions are met. In recent years, Spanish banks have actively implemented such schemes to encourage long-term client relationships and increase cross-selling. At the same time, early termination conditions and minimum deposit amounts remain important factors when choosing a product.
