EUR savings rates,
bank by bank.
What your idle euros actually earn at every licensed EU neobank we cover — with a column for whether the rate is DGS-protected or money-market-fund in disguise.
Top EUR rate
80.00%
Highest euro savings rate across the index. Mercado Pago · variable.
DGS-protected
33/60
Of the banks with a savings product, 33 hold your money as DGS-protected deposits.
The rest are money-market-fund returns.
ECB context
3.00%
ECB deposit-facility rate at edition cut-off. A rate above ~2.5% EUR typically means
active spread management by the bank.
Rate-type split
55/60
Variable-rate products (most common). Fixed-term and ECB-linked are flagged separately
in the table.
01 — The table
Rates side by side.
Rank by rate; note the DGS / not-DGS distinction. Rates are variable unless marked otherwise.
| Bank | Best rate | Rate type | Access | Protection | Status |
|---|---|---|---|---|---|
| Mercado Pago Money-market fund (FCI) | 80.00%
ARS AER | variable | instant FCI is investment, not insured deposit. AR SEDESA cover appl | Not DGS · MMF or safeguarded | MMF / safeguard |
| Ualá Money-market fund (FCI) | 75.00%
ARS AER | variable | instant FCI is investment, not insured deposit. AR SEDESA cover appl | Not DGS · MMF or safeguarded | MMF / safeguard |
| Kuda Savings goals + MMF yield | 15.00%
NGN AER | variable | instant NDIC ₦2,000,000 cover (~USD 1.3K) for microfinance-class ban | Not DGS · MMF or safeguarded | MMF / safeguard |
| Opay MMF yield | 15.00%
NGN AER | variable | instant MMF investment, not insured deposit. OBank deposits get stan | Not DGS · MMF or safeguarded | MMF / safeguard |
| C6 Bank Checking yield | 12.20%
BRL AER | variable | instant FGC R$250K. Conditional on direct-deposit (similar to US Var | Not DGS · MMF or safeguarded | MMF / safeguard |
| Nubank Savings pots (Caixinhas) | 12.00%
BRL AER | variable | instant FGC R$250,000 cover. Rate tracks Brazilian CDI (~Selic). | Not DGS · MMF or safeguarded | MMF / safeguard |
| Banco Inter Checking-balance yield | 12.00%
BRL AER | variable | instant FGC R$250K. Idle checking balance auto-yields at 100% CDI. | Not DGS · MMF or safeguarded | MMF / safeguard |
| ALAT by Wema Goal-based savings | 12.00%
NGN AER | fixed | fixed-term NDIC ₦5,000,000 cover via Wema Bank parent licence. | DGS · €100,000 | Protected |
| Stori Savings | 12.00%
MXN AER | variable | instant SOFIPO — limited IPAB scope. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Banco PAN CDBs + savings | 12.00%
BRL AER | variable | mixed FGC R$250,000 cover per depositor. | DGS · €100,000 | Protected |
| Carbon Savings | 12.00%
NGN AER | variable | instant NDIC microfinance ceiling ₦2,000,000 per depositor. | DGS · €100,000 | Protected |
| Klar Savings | 10.00%
MXN AER | variable | instant SOFIPO — limited IPAB cover (SOFIPOs outside full-bank scope | Not DGS · MMF or safeguarded | MMF / safeguard |
| TymeBank Savings goals + tiered terms | 9.00%
ZAR AER | variable | mixed CODI ZAR 100,000 (~USD 5K) cover per depositor per instituti | Not DGS · MMF or safeguarded | MMF / safeguard |
| Discovery Bank Behavioural-banking savings | 9.00%
ZAR AER | variable | mixed CODI ZAR 100,000 (~USD 5K) cover per depositor. | DGS · €100,000 | Protected |
| Bank Zero Sub-accounts (no separate savings tier) | 7.00%
ZAR AER | variable | instant CODI ZAR 100,000 cover per depositor. | DGS · €100,000 | Protected |
| M-Shwari Mobile-banking savings | 7.00%
KES AER | variable | mixed KDIC up to KES 500,000 via NCBA Bank parent. | DGS · €100,000 | Protected |
| Nequi Savings buckets | 6.50%
COP AER | variable | instant FOGAFIN COP 50M cover via Bancolombia parent. | DGS · €100,000 | Protected |
| Tonik Savings + time deposit | 6.00%
PHP AER | variable | mixed PDIC PHP 500,000 cover. Time-deposit ladders boost APY. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Maya Bank Online savings | 6.00%
PHP AER | variable | instant PDIC up to PHP 500,000. | DGS · €100,000 | Protected |
| Up Bank Savings buckets | 5.10%
AUD AER | variable | instant FCS AUD 250,000 cover via Bendigo and Adelaide Bank parent. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Varo Money Savings account | 5.00%
USD AER | variable | instant FDIC member (Varo Bank, N.A.) — direct cover to $250,000. Ti | Not DGS · MMF or safeguarded | MMF / safeguard |
| Mercury Money-market sweep | 5.00%
USD AER | variable | notice FDIC pass-through to $5M via Sweep program (Choice Financial | Not DGS · MMF or safeguarded | MMF / safeguard |
| GoTyme Savings account | 5.00%
PHP AER | variable | instant PDIC PHP 500,000 cover (~USD 9k). | Not DGS · MMF or safeguarded | MMF / safeguard |
| stc Bank Savings + fixed-term deposits | 5.00%
SAR AER | variable | mixed SAMA Deposit Protection Fund — SAR 200,000 cover per deposit | DGS · €100,000 | Protected |
| Brex Money-market fund | 5.00%
USD AER | variable | instant MMF — investor protection (SIPC), not FDIC. Brex Cash separa | Not DGS · MMF or safeguarded | MMF / safeguard |
| RappiPay Savings | 5.00%
COP AER | variable | instant PSP — Davivienda holds the bank licence + FOGAFIN cover. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Monzo savings-pot | 4.50%
GBP AER | variable | mixed Monzo offers instant-access savings pots (lower rates) and f | DGS · €100,000 | Protected |
| Cash App Savings account | 4.50%
USD AER | variable | instant FDIC pass-through to $250K via Sutton Bank or Wells Fargo Ba | Not DGS · MMF or safeguarded | MMF / safeguard |
| Wio Savings spaces + locked deposits | 4.50%
AED AER | variable | mixed AE DPS AED 250,000 cover per depositor. | DGS · €100,000 | Protected |
| Marcus by Goldman Sachs Online savings + CDs | 4.40%
USD AER | variable | instant FDIC up to $250,000. | DGS · €100,000 | Protected |
| Ally Bank Online savings | 4.20%
USD AER | variable | instant FDIC up to $250,000 per depositor. | DGS · €100,000 | Protected |
| SoFi Savings account | 4.00%
USD AER | variable | instant FDIC member; $250K direct, $2M via Insured Sweep program. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Lili High-yield business savings (tiered by balance) | 4.00%
USD AER | variable | instant FDIC pass-through up to $3M via Sunrise Banks sweep network. | DGS · €100,000 | Protected |
| Bank Jago Multi-pocket savings | 4.00%
IDR AER | variable | instant LPS up to IDR 2,000,000,000 per depositor. | DGS · €100,000 | Protected |
| Zand Savings + fixed-term | 4.00%
AED AER | variable | mixed AE DPS AED 250,000 per depositor. | DGS · €100,000 | Protected |
| Nomo Sharia-compliant savings | 4.00%
GBP AER | variable | mixed FSCS GBP 85,000 (UK) + Kuwait DPS. | DGS · €100,000 | Protected |
| Wise money-market-fund | 3.97%
GBP AER | variable | instant Wise Assets invests idle balances in BlackRock and Goldman S | Not DGS · MMF or safeguarded | MMF / safeguard |
| Discover Bank Online savings | 3.75%
USD AER | variable | instant FDIC up to $250,000. | DGS · €100,000 | Protected |
| K Bank Term deposit | 3.60%
KRW AER | variable | fixed-term KDIC KRW 50,000,000 (~USD 35K) cover per depositor per insti | Not DGS · MMF or safeguarded | MMF / safeguard |
| Revolut Singapore Vaults | 3.50%
SGD AER | variable | instant SDIC SGD 100,000 cover. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Kakao Bank Term deposit | 3.50%
KRW AER | variable | fixed-term KDIC KRW 50,000,000 (~USD 35K) cover per depositor per insti | Not DGS · MMF or safeguarded | MMF / safeguard |
| Mashreq Neo Savings | 3.50%
AED AER | variable | instant AE DPS AED 250,000 via Mashreq Bank parent. | Not DGS · MMF or safeguarded | MMF / safeguard |
| Meem Sharia-compliant savings | 3.50%
SAR AER | variable | mixed SA DPS SAR 200,000 cover via Gulf International Bank parent. | DGS · €100,000 | Protected |
| Toss Bank Online savings | 3.50%
KRW AER | variable | instant KDIC up to KRW 50,000,000 per depositor. | DGS · €100,000 | Protected |
| Starling Bank savings-space | 3.25%
GBP AER | variable | instant Savings Spaces earn interest at variable rate tracking Bank | DGS · €100,000 | Protected |
| Liv. Savings goals | 3.00%
AED AER | variable | instant AE DPS via Emirates NBD parent — AED 250,000 cover per depos | Not DGS · MMF or safeguarded | MMF / safeguard |
| ila Bank Savings pots | 3.00%
BHD AER | variable | instant BH DCS BHD 20,000 cover per depositor per institution. | DGS · €100,000 | Protected |
| Bluevine Business checking yield (interest on operating balance) | 3.00%
USD AER | variable | instant FDIC pass-through up to $3M via 17-bank sweep network. Coast | DGS · €100,000 | Protected |
| Trust Bank Savings | 3.00%
SGD AER | variable | instant SDIC up to SGD 100,000. | DGS · €100,000 | Protected |
| YAP Savings | 3.00%
AED AER | variable | instant AE DPS via RAK Bank parent — AED 250,000 cover. | DGS · €100,000 | Protected |
| Relay Plan-gated business savings | 2.68%
USD AER | variable | instant FDIC pass-through up to $3M via Thread Bank's Insured Cash S | DGS · €100,000 | Protected |
| Revolut savings-vault | 2.59%
EUR AER | ecb-linked | instant Interest paid daily. Rate tracks ECB deposit rate. No minimu | DGS · €100,000 | Protected |
| Found Interest on operating-account balance (no separate savings) | 2.50%
USD AER | variable | instant FDIC pass-through $250,000 single-bank via Lead Bank. No mul | DGS · €100,000 | Protected |
| WeBank Online savings | 2.50%
CNY AER | variable | instant China Deposit Insurance Scheme — CNY 500,000 per depositor. | DGS · €100,000 | Protected |
| bunq easy-savings | 2.46%
EUR AER | ecb-linked | instant Easy Savings rate linked to ECB deposit rate. Higher rate re | DGS · €100,000 | Protected |
| N26 savings-space | 2.26%
EUR AER | ecb-linked | instant N26 Spaces are sub-accounts used as savings pots. Rate depen | DGS · €100,000 | Protected |
| Trade Republic cash-interest | 2.00%
EUR AER | ecb-linked | instant Interest on uninvested cash (Tagesgeld). Rate was 4.0% at pe | DGS · €100,000 | Protected |
| Chime Savings account | 2.00%
USD AER | variable | instant FDIC pass-through to $250,000 via The Bancorp Bank or Stride | Not DGS · MMF or safeguarded | MMF / safeguard |
| Lunar savings-account | 1.55%
DKK AER | variable | instant DKK-denominated savings account. Rate follows Danish Nationa | DGS · €100,000 | Protected |
| Rakuten Bank Term deposit | 0.30%
JPY AER | variable | fixed-term DICJ JPY 10,000,000 (~USD 65K) cover per depositor per insti | Not DGS · MMF or safeguarded | MMF / safeguard |
DGS-protected deposit — €100k legal cover
Money-market fund or safeguarded — market risk, not insurance
60 banks with a savings product
02 — The distinction
Deposit interest vs. money-market yield.
Two different products that both show up as "savings rate" in a neobank app. Know the difference.
DGS-protected savings deposit
Your money is a bank deposit. The rate is paid by the bank, set at its discretion, and subject to change. Up to €100,000 is insured under the relevant national DGS.
Offered by the credit-institution banks in our index: Revolut, N26, bunq, Trade Republic, Lunar. For the ranked picks prioritised by headline rate and protection together, see our ranked list of the best savings-account neobanks.
Money-market-fund yield
Your money is invested in a money-market fund (short-term government / corporate paper). The yield tracks market conditions, not the bank's discretion. MMF assets are segregated but not insured — there is market risk, albeit small for top-rated instruments.
Offered by Wise (GBP) and some tiers of Vivid Money. Understand the trade-off before chasing the highest number.