Saving via Raisin

Every partner bank and every term, with the statutory deposit guarantee of the bank's country and the withholding tax rules per country.

This week 70 rates up, 4 down all changes →

How much do you want to save?

3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks

Highest effective annual rate for €50,000, after promotions and fees

57 offers · instant access

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Also without full deposit guarantee

Deposit guarantee

Trade Republic
Rente op kassaldo
Instant accesscompounded monthly
- promotional rate with no end date for new customers, then 2.50%
Effective annual rate
3.03%

E-mail me when this changes

As soon as the highest rate for instant access changes, you get one e-mail. Every mail has a one-click unsubscribe link.

News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

What is Raisin?

A platform that lets you open savings accounts and deposits at banks across Europe with one account. Your money is held at the partner bank, not at Raisin itself.

Does the deposit guarantee also apply when I save via Raisin?

Yes, the one of the partner bank's country, up to €100,000 per person per bank. Each offer states which scheme that is.

Does saving via Raisin cost money?

Not for the saver; Raisin is paid by the partner banks. Do watch out for withholding tax in some countries.

Saving via Raisin

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Frequently asked questions

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