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This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which may impact the location and order in which brands (and/or their products) are presented, and may also impact the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.
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Last update Sunday 23 February 2025

The Best Deposit Accounts of 2025

Compare Deposit Accounts – Grow Your Money Smarter

Compare the interest rates, fees, and features of various savings accounts to find the one that offers the highest returns and the most flexibility. Whether you’re saving for short-term goals or long-term security, find the right deposit account to help your money grow effortlessly.

Deposited Amount

Deposit Type

Bounded

Unbounded

Deposit Length (months)

3

6

9

12

18

24

36

48

60

120

180

240

1

Revolut

Savings Vaults

  • check No fees for creating or managing Savings Vaults
  • check No fixed-term commitment—access your funds anytime
  • check Competitive interest rates, increasing with higher-tier plans
  • check Available in multiple currencies for global convenience

Net Earning:

€373.70

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  • Gross Rate: 2.02%

Revolut’s Savings Vaults offer a simple and flexible way to grow your savings. With interest rates based on your plan, daily interest calculations, and no fixed-term commitments, you can access your funds whenever you need them. Enjoy the ease of managing your savings directly from the Revolut app while earning competitive returns.

Download the information sheet
2

Trade Republic

Saving Account

  • check 3% annual interest rate on balances up to €50,000
  • check 0 fees for opening or maintaining the savings account
  • check Withdraw your funds anytime without penalties
  • check Deposits insured up to €100,000 through Deutsche Bank

Net Earning:

€555.00

Apply Now

  • Gross Rate: 3.00%

Trade Republic offers an easy and flexible way to grow your savings with a competitive 3% annual interest rate on balances up to €50,000. With no fees and daily interest calculations, it's designed for both short-term and long-term savings goals. Funds are accessible anytime without penalties, and deposits are protected under German banking regulations.

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3

Scalable Capital

Saving Account

  • check 2.3% annual interest rate on balances up to €100,000
  • check Unlimited flexibility to withdraw funds at any time
  • check Daily interest calculation with monthly payouts
  • check Deposits protected up to €100,000 by Baader Bank

Net Earning:

€425.50

Apply Now

  • Gross Rate: 2.30%

Scalable Capital’s savings account combines simplicity with reliability, offering a 2.3% annual interest rate on balances up to €100,000. With no fixed terms or fees, you can enjoy full flexibility while your funds grow securely. Deposits are insured by Baader Bank, ensuring peace of mind for your savings.

Download the information sheet
4

Skipton International

Fixed Rate Bond

  • check Fixed interest rates for guaranteed returns.
  • check Available in multiple currencies (GBP, USD, EUR).
  • check No UK tax deduction for non-UK residents.
  • check Secure and regulated by the Jersey Financial Services Commission.

Net Earning:

€767.75

Apply Now

  • Gross Rate: 4.15%

The Skipton International Fixed Rate Bond is perfect for those looking for stable, long-term savings with guaranteed returns. Available in GBP, USD, and EUR, it’s an excellent choice for expats and international savers. With no UK tax deduction for non-residents and the security of being regulated by the Jersey Financial Services Commission, Skipton offers peace of mind and competitive fixed interest rates. It’s a solid option for disciplined savers who want to maximize their returns.

Download the information sheet
5

NatWest

Savings Account

  • check Competitive interest rates for saving goals.
  • check Flexible access to funds with no withdrawal penalties.
  • check Backed by a trusted UK-based bank with a strong reputation.
  • check Easy online and mobile banking management.

Net Earning:

€767.75

Apply Now

  • Gross Rate: 4.15%

The NatWest Savings Account offers a reliable and flexible way to grow your savings. With competitive interest rates and no penalties for withdrawals, it’s ideal for both short-term and long-term saving goals. Backed by one of the UK’s most trusted banks, NatWest provides a secure and user-friendly platform, complete with easy online and mobile banking access. Whether you’re saving for a rainy day or a specific goal, NatWest makes it simple and stress-free.

Download the information sheet
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Pecunia Score

Our product scores consist of a combination of the following 3 components:

icon Popularity

Digital Pecunia measures user engagement by tracking the number of clicks each listed brand receives over the past 7 days. The clicks for each brand are compared against those of other brands listed in the same query. As a result, the more clicks a brand receives within a specific query, the higher its score. Digital Pecunia accepts advertising compensation from companies, which may influence their position and, in some cases, may also impact their score.

icon Brand Reputation

This indicator measures the overall reputation of the brand, based on ratings and reviews gathered from reputable online platforms such as Trustpilot. Through detailed analysis, this score provides a quantitative representation of how the brand is perceived in the marketplace

icon Feature & Benefits

The editorial team at Digital Pecunia evaluates and reviews financial products by considering various factors, including the variety of products and services available, user-friendliness, online accessibility, customer support, industry recognition, and more. Each brand is assigned a score based on its performance in these areas.

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What are Deposit Account?

Deposit or savings accounts are financial products designed to help you earn interest on the money you set aside. Unlike checking accounts, a deposit account is meant to securely store your funds while generating returns. You can choose between fixed-term and flexible deposit accounts, depending on how long you want to keep your money untouched.

When Should You Use a Deposit Account?

You should use a savings account if you want to grow your savings without taking risks. It’s the perfect choice if you have a sum of money that you don’t need in the short term and want to earn steady interest. If you anticipate needing frequent access to your funds, a checking account may be a better option.

Why Should You Use a Deposit Account?

A deposit account allows you to grow your money securely and effortlessly. With competitive interest rates and the guarantee of fund protection, it’s a reliable way to build value over time. Plus, you can choose from various term options to tailor the account to your specific needs.