Observed Signal · Sep 28, 2026 · Market Signal · Source: Verivox · Impact: 3/5
Anschlussfinanzierung: Rate steigt um knapp 400 Euro – Zinsvergleich kann bis zu 10.000 Euro sparen
Verivox reports that the monthly rate for follow-up financing (Anschlussfinanzierung) is rising by nearly 400 euros, but a comparison of interest rates can save up to 10,000 euros.
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Revolut Offers 4.25% Tagesgeld to Win German Customers
Revolut has entered Germany's savings-rate competition by offering new customers 4.25% interest on a Tagesgeld account for four months, the highest currently available according to comparison site Verivox. Deposits for newly opened Revolut savings accounts will be held at Deutsche Bank and protected by German deposit insurance up to €100,000; Revolut previously used Lithuanian deposit insurance. The move follows recent high-rate promotions from entrants such as JPMorgan Chase and Consors Bank and forms part of Revolut's broader marketing push in Germany, which has included campaigns with Mario Götze, Berlin Marathon sponsorship, airport advertising and an Audi F1 team deal.
BNPL Surges for Large Purchases
Buy now, pay later (BNPL) is gaining significant traction for larger online purchases. According to a representative Verivox survey, 15% of respondents would now prefer to pay for an online purchase over 1,000 euros in installments, up from 9% in 2024. This is the strongest growth among common payment methods. Invoice remains the most popular (29%), followed by PayPal (21%) and cards (14%). The trend is particularly pronounced among lower-income households, with 23% of those earning under 2,000 euros net monthly favoring installments, versus only 7% of those earning over 4,000 euros. However, the rise in BNPL usage also increases the risk of over-indebtedness. New stricter regulations on installment financing, including comprehensive creditworthiness checks, will take effect from November 20. For smaller purchases (25-100 euros), PayPal remains dominant, and installments are rarely used.
Digital Daily Use Varies by Age and Income in Germany
A Verivox survey reveals that despite near-universal device ownership (99% have smartphones, 98% have laptops/PCs), a significant portion of Germans still perform everyday tasks offline. 10% do banking without internet, 16% plan trips offline, and 17% close contracts without digital tools. Usage patterns vary strongly by age, gender, and income: older adults (60+) are more likely to do tasks offline, women prefer smartphones more than men, and higher income/education correlates with laptop use. Shopping and online research are highly digitalized across all groups.
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