Best savings accounts in Slovakia

Checked on 28 September 2026. 11 savings accounts, term deposits and money market funds from 10 providers accept someone resident in Slovakia. The three highest rates:

• bunq, Easy Savings at 3.01%, instant access, no minimum, deposit guarantee: Netherlands, up to €100,000.
• Trade Republic, Interest on cash at 3.00%, instant access, no minimum, deposit guarantee: Germany, up to €100,000.
• Trading 212, Interest on cash (Trading 212 Markets Ltd) at 2.50%, instant access, no minimum, investor compensation: Cyprus ICF, up to €20,000, which is not a deposit guarantee.

7 of the 11 are covered by a national deposit guarantee scheme. The best rate you can withdraw at any time is 3.01% at bunq, and the best fixed term is 2.50% at BluOr Bank. Rates are variable unless the entry says the term is fixed.

What to know if you live in Slovakia

Deposits are covered up to €100,000 per depositor per bank by the Fond ochrany vkladov. A specially protected deposit is compensated in full above that for twelve months, for money from the sale of residential property, an inheritance, a gift, a life insurance payout or a pension distribution, but only if you tell the bank about it when the money arrives or immediately after (Fond ochrany vkladov).

Interest is taxed at 19% in a separate tax base. A Slovak payer withholds it and that settles the liability (Finančná správa). Interest from a bank abroad is declared by you, under §7(1)(h), in section VII of the DPFO typ B return, with the source country in section XIII.