Fixed-term deposits and daily money: High interest rates abroad attract savers - but there are risks. Investing in countries with poor credit ratings involves a certain amount of risk.

Stiftung Warentest only considers countries that have been awarded the highest rating (AAA or AA) to be so stable that investors could be compensated as quickly as required by EU law in the event of a major bank failure. Countries with the highest creditworthiness are: Denmark, Liechtenstein, Luxembourg, Netherlands and Norway.