What is the savings rate at MeDirect?

At MeDirect the highest effective annual rate for €50,000 is currently 2.02% on instant-access savings, 0.50% with a notice period and 2.40% on a 2 years deposit. The table on this page has every offer with its rate and conditions.

Is my money safe at MeDirect?

MeDirect (MeDirect Bank (Malta) plc) takes part in Depositor Compensation Scheme (Malta). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.

MeDirect

MeDirect Bank (Malta) plc · Malta · supervised by MFSA

Website

Offers: 11
Instant access: 2.02%; highest effective
Deposit: 2.40%; highest effective
Deposit guarantee: Until €100,000; Malta scheme

Offers from MeDirect

Your amount€Calculated over

Product	Type	Rate	Effective	Your return
MeMax Savings Account	Instant access	2.00%	2.02%	€1,009 interest per year	Details
Me6 Savings Account	Notice period 6 months	0.50% ▲ 0.30Rate over the last 365 days. Raised on 15 Sep 2026 from 0.20% to 0.50%.	0.50%	€250 interest per year	Details
Me3 Savings Account	Notice period 3 months	0.30%	0.30%	€150 interest per year	Details
Me1 Savings Account	Notice period 30 days	0.20%	0.20%	€100 interest per year	Details
Fixed Term Deposit	Deposit · 3 months	1.00%	1.00%	€502 per year, annualised	Details
Fixed Term Deposit	Deposit · 6 months	1.90%	1.91%	€955 per year, annualised	Details
Fixed Term Deposit	Deposit · 1 year	2.35%	2.35%	€1,175 interest per year	Details
Fixed Term Deposit	Deposit · 2 years	2.40%	2.40%	€1,200 per year, annualised	Details
Fixed Term Deposit	Deposit · 3 years	2.40%	2.40%	€1,200 per year, annualised	Details
Fixed Term Deposit	Deposit · 4 years	2.40%	2.40%	€1,200 per year, annualised	Details
Fixed Term Deposit	Deposit · 5 years	2.40%	2.40%	€1,200 per year, annualised	Details

Saving at MeDirect

MeDirect is a bank from Malta, supervised by MFSA. You open an account with the bank itself, online.

For €50,000 we list 1 instant-access account, 3 notice accounts and 7 deposits from MeDirect, with terms from 3 months to 5 years. The best instant-access account, MeMax Savings Account, pays an effective 2.02% a year. The highest instant-access rate in our comparison is 3.03% right now. With a notice period the highest is 0.50% (Me6 Savings Account). The best-paying deposit runs for 2 years at an effective 2.40% a year.

The lowest minimum deposit is €100.

Savings at MeDirect fall under Depositor Compensation Scheme (Malta), the statutory deposit guarantee scheme of Malta, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Malta does not withhold tax on the interest of a saver who lives in the Netherlands.

What is the savings rate at MeDirect?: At MeDirect the highest effective annual rate for €50,000 is currently 2.02% on instant-access savings, 0.50% with a notice period and 2.40% on a 2 years deposit. The table on this page has every offer with its rate and conditions.
Is my money safe at MeDirect?: MeDirect (MeDirect Bank (Malta) plc) takes part in Depositor Compensation Scheme (Malta). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
Do I pay withholding tax on interest from MeDirect?: Malta does not withhold tax on the interest of a saver who lives in the Netherlands.
How do I open an account at MeDirect?: You open an account with the bank itself, online.

Deposit guarantee and licence

Institution: MeDirect Bank (Malta) plc
Status: Verified European deposit guarantee scheme
Scheme: Depositor Compensation Scheme (Malta)
Guarantee: €100,000 per person per institution
Verification: Malta Depositor Compensation Scheme deelnemerslijst
details
gelezen 2026-09-02
source ↗ · 2 Sep 2026

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