Updated October 13, 2026 · SumCue Editorial Team
BERGFÜRST vs BKM Bausparkasse Mainz
BERGFÜRST
Higher score in this comparison
BKM Bausparkasse Mainz
What sets them apart
| Compare | BERGFÜRSTReviewSee alternativesSee alternatives | BKM Bausparkasse MainzReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7.5% to 10%Higher | 0.75% |
| Term | 12 to 36 months | 12 to 180 monthsHigher |
| Minimum deposit | €10 | €0Lower |
| Access terms | Terms of about one to three years with a fixed repayment date; early exit possible via the secondary market (Handelsplatz) during the term | maxTagesgeld: daily availability, no minimum investment, interest from the first euro |
| Account kind | Fixed | Easy access |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), IHK Berlin / Vermittlerregister (Finanzanlagenvermittler nach 34f GewO) | Not confirmed |
Same on both: Rate type (Fixed), Deposit protection (EU DGS up to EUR 100,000), Monthly fee (€0).
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Key differences
- Founded is lower at BKM Bausparkasse Mainz: 1930 vs 2011.
- Minimum deposit is lower at BKM Bausparkasse Mainz: €0 vs €10.
- Headline rate is higher at BERGFÜRST: 7.5% to 10% vs 0.75%.
- Term is higher at BKM Bausparkasse Mainz: 12 to 180 months vs 12 to 36 months.
- Support channels: only BERGFÜRST offers Help centre.
- Pricing model: only BERGFÜRST offers No monthly fee.
Our verdict on each
BERGFÜRST
BERGFÜRST offers euro savers a sharp fixed-rate deal, with headline rates of 7.5% to 10% over terms of 12 to 36 and no account or monthly fee. It suits savers who can leave money locked to a fixed repayment date, since early exit runs through the secondary market rather than an on-demand withdrawal.
BKM Bausparkasse Mainz
BKM Bausparkasse Mainz centres on Baufinanzierung, Bausparen and property purchase for households shaping a secure financial future. For planners who want personal dialogue and structured steps, it links housing finance, savings choice and renovation guidance in one place together clearly.
Score breakdown
| Area | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Cost | 8.8Fees are €0 and €0 on the fixed term deposits, so cost rests on the rate, not on charges. | Not confirmed |
| Offer | 9.4Higher | 8.8 |
| Trust | 9.2 | 9.8Higher |
Positions in our rankings
| Ranking | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Savings | 341 of 1492 | 990 of 1492 |
Every fact side by side
| Fact | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Legal entity | BERGFUERSST AG | Bausparkasse Mainz Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 2011 | 1930Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Email |
Brokers
| Fact | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Account fee | €0 | Not confirmed |
| Investor protection | EU ICS up to EUR 20,000 | Not confirmed |
| Features | Not confirmed | Same day funding |
Loans
| Fact | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Loan amount | Not confirmed | from €1,000 |
| Funding time | Not confirmed | Immediate disbursement (Direkt-Darlehen) |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Loan types | Not confirmed | Personal |
| Use cases | Not confirmed | Home improvement |
Where each stands against the rest
| Fact | BERGFÜRST | BKM Bausparkasse Mainz | Median |
|---|---|---|---|
| Headline rate | 7.5% to 10%highest quarter | 0.75%lowest quarter | 3.3 |
| Term | 12 to 36 monthsbelow the median | 12 to 180 monthshighest quarter | 60 |
| Minimum deposit | €10above the median | €0below the median | €1 |
| Monthly fee | €0at the median | €0at the median | €0 |
Median across 710 listed providers.
Pros and cons
BERGFÜRST
Pros
- Headline rates of 7.5% to 10% at a fixed rate type, above the 6% typical of fixed term deposits
- Nothing to deduct: account fee €0 and monthly fee €0
- Deposits sit under EU DGS up to EUR 100,000
Cons
- The cash is tied for 12 to 36 to a fixed repayment date, and getting out during the term means selling on the secondary market at whatever a buyer pays
- The account type is fixed, so there is no easy-access balance to park short-term cash in
- It is a German platform, based in Germany, and pricing is in euros, so it suits euro savers rather than sterling accounts
BKM Bausparkasse Mainz
Pros
- Centres on building finance, home savings and property purchase planning.
- Maintains several savings variants alongside housing finance for future goals.
- Publishes practical guides on heat pumps and energy efficient modernisation.
Cons
- Financing options depend on individual review rather than a standard overview.
- Range stays centred on housing and long term financial planning topics.
Who each suits
BERGFÜRST
Who it suits
- Euro savers who want a known return set at the start and can wait for the fixed repayment date
- Savers able to start small, since the minimum deposit is €10 and the account fee is €0 with a monthly fee of €0
- People who want to reach a person: support covers phone, email and help centre
Who should look elsewhere
- bunq, whose headline rate of 3.01% is well below the fixed-rate range here, if a locked repayment date is not for you
- Wise, at 3.29%, for anyone who wants a plain balance rather than a dated term deposit
BKM Bausparkasse Mainz
Who it suits
- Households planning homeownership in clear incremental steps
- Savers building dedicated reserves for future housing goals
- Owners considering energy efficient renovation of their home
Who should look elsewhere
- Borrowers seeking instant standard terms without personal advice
Current offers
BKM Bausparkasse Mainz
Current offer
Bonus
ZinsPlus savings bonus on regular savings contributions: 2% after 7 years of saving, 3% after 10 years of saving
Paid once on the regular savings contributions of each year for the ZinsPlus Bausparvertrag (PlusLine Tarif J)
Source, checked September 26, 2026
Country by country
| Country | BERGFÜRST | BKM Bausparkasse Mainz |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
BERGFÜRST
What rate can I get on a BERGFÜRST deposit?+
BERGFÜRST lists headline rates of 7.5% to 10%, and the rate type is fixed, so the return is set when the deposit starts rather than moving later in the term. That range sits above the 6% typical of fixed term deposits on the comparison.
How long do I have to leave the money in?+
Terms run 12 to 36, and the repayment date is fixed once the deposit is placed. The pricing sheet pairs that with a fixed rate, so nothing resets at maturity. A shorter commitment here suits savers who want a defined end date rather than a rolling product.
BKM Bausparkasse Mainz
What does BKM Bausparkasse Mainz offer for homebuyers?+
BKM Bausparkasse Mainz supports building finance, home savings and property purchase with secure and clearly structured plans. It speaks with households about wishes and possibilities before identifying a suitable financing product. Personal advisers listen closely and shape solutions around individual circumstances.
Which savings products are available?+
BKM Bausparkasse Mainz provides Tagesgeld, Festgeld, Sparbrief, Entnahmeplan, Zuwachssparen and Festgeld mit Nachrangabrede. The range sits alongside building finance and supports step by step reserves for later freedom. Details for each variant explain features and intended use.
Other options to compare
BERGFÜRST
BKM Bausparkasse Mainz