Only if the fixed rate is higher than what the best instant-access account pays over those three months. The difference is often small; in return, your rate cannot fall in the meantime.
How much interest do I get in three months?
A quarter of the annual rate. At 2.8% a year that is about 0.7% of your deposit. The amounts in the list are calculated for your amount.
What happens after three months?
Usually the money and the interest return to your linked account or savings account. Some banks renew automatically at the rate of that moment; check that when opening.
3-month deposit
Deposits of exactly 3 months: a fixed rate for money you will need again soon. The return is converted to a year, so you can set it fairly against a savings account.
Effective annual rateThe effective annual rate for your amount: what you really earn per year, after fees and with compound interest. Below it the rate the bank advertises; with a promotion that only applies temporarily.
Your returnWhat €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.57%No change seen in the last 90 days.
2.55% rate2.57% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.55% is the rate the bank advertises. More explanation
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.54%▲▲ 0.13%: raised on 14 Sep 2026 from 2.39% to 2.52%.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.52%▲▲ 0.13%: raised on 16 Sep 2026 from 2.37% to 2.50%.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.52%▲▲ 0.20%: raised on 14 Sep 2026 from 2.30% to 2.50%.
3 months fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.48%▲▲ 0.11%: raised on 16 Sep 2026 from 2.35% to 2.46%.
3 months fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.48%▲▲ 0.10%: raised on 15 Sep 2026 from 2.36% to 2.46%.
3 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.47%▼▼ 0.05%: lowered on 14 Sep 2026 from 2.50% to 2.45%.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.47%▲▲ 0.09%: raised on 14 Sep 2026 from 2.36% to 2.45%.
3 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.15%: raised on 14 Sep 2026 from 2.25% to 2.40%.
3 months fixed · no early withdrawalwithholding tax 10%Portugal withholds by default 28% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form. Portugal heft 28%; met een woonplaatsverklaring en formulier Mod. 21-RFI (uiterlijk 4 weken voor de vervaldatum) verlaagd naar 10% (belastingverdrag NL–PT).paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.10%: raised on 14 Sep 2026 from 2.30% to 2.40%.
3 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.37%No change seen in the last 90 days.
2.35% rate2.37% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · early withdrawal allowedno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · early withdrawal allowed
no withholding tax
Effective annual rate
2.32%▲▲ 0.35%: raised on 14 Sep 2026 from 1.95% to 2.30%.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.27%No change seen in the last 90 days.
2.25% rate2.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.22%▲▲ 0.40%: raised on 16 Sep 2026 from 1.80% to 2.20%.
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.12%No change seen in the last 90 days.
2.10% rate2.12% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.03%▲▲ 0.15%: raised on 14 Sep 2026 from 1.86% to 2.01%.
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000 · current account required
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.02%▲▲ 0.05%: raised on 2 Sep 2026 from 1.95% to 2.00%.
3 months fixed · no early withdrawalwithholding tax reclaimable to 0%Spain withholds by default 19% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.02%No change seen in the last 90 days.
2.00% rate2.02% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · early withdrawal with loss of interestwithholding tax reclaimable to 0%Spain withholds by default 19% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.paid out at maturity · current account required
3 months fixed · early withdrawal with loss of interest
3 months fixed · no early withdrawalwithholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form. Litouwen heft 15%; met een Litouwse woonplaatsverklaring (uiterlijk 4 weken voor de vervaldatum) verlaagd naar 10%.paid out at maturity · min. €10,000 · max. €95,000
3 months fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
1.85%No change seen in the last 90 days.
1.84% rate1.85% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.84% is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.85%No change seen in the last 90 days.
1.84% rate1.85% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.83%No change seen in the last 90 days.
1.82% rate1.83% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,500 · max. €1,000,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.81%No change seen in the last 90 days.
1.80% rate1.81% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · current account required
3 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
1.77%No change seen in the last 90 days.
1.76% rate1.77% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.76%No change seen in the last 90 days.
1.75% rate1.76% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.66%No change seen in the last 90 days.
1.65% rate1.66% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.66%No change seen in the last 90 days.
1.65% rate1.66% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
A few European countries withhold tax on the interest you receive there. Per country: what is withheld, which form lowers it, and when the higher rate is still worth it.
Banks attract new customers with a high rate that drops back after a few months. A worked example shows when such a promotion really earns you more, and when a lower steady rate wins.
The highest savings rates often come from banks in Sweden, Estonia or Malta. What the European deposit guarantee covers, who pays out if things go wrong, and what you need to watch yourself.
▲ 0.13
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.39% to 2.52%.
2.52% rate2.54% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.52% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.37% to 2.50%.
2.50% rate2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.50% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.30% to 2.50%.
2.50% rate2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.50% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.35% to 2.46%.
2.46% rate2.48% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.46% is the rate the bank advertises. More explanation
€1,241
per year, annualised€308 total over 3 months
French scheme
Compagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A.
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.36% to 2.46%.
2.46% rate2.48% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.46% is the rate the bank advertises. More explanation
Rate over the last 90 days. Lowered on 14 Sep 2026 from 2.50% to 2.45%.
2.45% rate2.47% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.45% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.36% to 2.45%.
2.45% rate2.47% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.45% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.25% to 2.40%.
2.40% rate2.42% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
2.42% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.30% to 2.40%.
2.40% rate2.42% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 1.95% to 2.30%.
2.30% rate2.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.30% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 1.80% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 1.86% to 2.01%.
2.01% rate2.03% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.01% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 1.95% to 2.00%.
2.00% rate2.02% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.00% is the rate the bank advertises. More explanation
2.02% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.00% is the rate the bank advertises. More explanation
1.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. More explanation
1.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. More explanation
