Morgan Stanley

Morgan Stanley is a bank from Germany. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Morgan Stanley in your name.

For €50,000 we list 5 deposits from Morgan Stanley, with terms from 3 months to 2 years. The best-paying deposit runs for 2 years at an effective 3.05% a year.

The lowest minimum deposit is €1,000.

Savings at Morgan Stanley fall under Entschädigungseinrichtung deutscher Banken GmbH (EdB), the statutory deposit guarantee scheme of Germany, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Germany does not withhold tax on the interest of a saver who lives in the Netherlands.