- Interest per year
- 3.00%promo, then 2.00%
- Access to your money
- Instantwithdraw any day
- Deposit guarantee
- €100,000not re-confirmed: see account details
- Minimum deposit
- Noneno maximum
About this account
German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
Best for: High Interest, No Fees, Digital
Pros and cons
What we like
- 2.00% interest (matches ECB rate)
- No account fees
- Dutch IBAN available
- Monthly interest payments
What to consider
- Primarily an investment platform
- German bank (not Dutch)
- Rate follows ECB (will drop when ECB cuts)
- Less established than traditional banks
Every rate
- Standard rate
- 2.00% a year
- Promotion
- 3.00% promotional rate, then 2.00%
Account details
- Minimum deposit
- None required
- Maximum deposit
- No limit
- Withdrawal access
- Instant access
- What it is
- savings account
- Deposit protection
- Up to €100,000 per person per bank, under the deposit guarantee scheme of the partner bank holding your cash. Cash sits in trust accounts at partner banks in Germany, France, Ireland, Sweden and elsewhere, each covered by its own country's scheme.
- BSN
- Not stated by Trade Republic.
The deposit guarantee follows the bank’s licence, not where you live: up to €100,000 per person per bank, under the scheme of the country that licensed it.
Other accounts
| Account | Interest | Access | Guarantee |
|---|---|---|---|
SpaarrekeningAyvens Bank | 1.85%fixed terms up to 3.10% | Instant | €100,000NLnot re-confirmed |
Flexibel Sparen (via Raisin)Bigbank  | 2.85%promo for 3 months, then 2.10% | Instant | €100,000EEnot re-confirmed |
FCM Bank Savings (via Raisin)FCM Bank  | 1.91% | Instant | €100,000MTnot re-confirmed |