Compare savings accounts in Europe

A savings account you can withdraw from at any time. The rate is variable, so the provider can raise or lower it whenever it wants, usually following the ECB deposit facility rate.

The rate is fixed for the whole term, so it does not fall if the ECB cuts rates. In exchange, the money stays committed until maturity, and early withdrawal is either not allowed or costs you part of the interest.

A fund that holds very short-term debt, such as treasury bills and bank deposits. It is not a bank account: there is no deposit guarantee, the value can move, and the yield changes daily. Several brokers route your idle cash into one of these.

A national scheme that pays you back up to 100.000€ per person, per bank, if the bank fails. What matters is the country of the bank holding your money, not the country you live in, so two accounts at the same bank share one limit.

The equivalent for brokers, usually up to 20.000€. It covers the broker failing to return the cash or securities it holds for you. It never covers a loss on the investment itself.

Every rate on this page is gross, before tax. Interest is taxed differently in each country, so what you keep depends on where you are resident and how the provider reports the income.

A higher rate that only lasts a few months, only applies to new clients, only covers part of the balance, or requires a paid plan. The comparator shows the conditions so you can see what the rate is worth after the promotion ends.