| MS | 4.00% | 3.24% | -1.36% | 1-month term, €1k-€5k only, requires Premium Plan (€7.99/mo), 4.00% TAE |
| BB | 4.00% | 3.24% | -1.36% | 3.93% TIN (4.00% TAE) for 1 month, new clients, Portuguese Deposit Guarantee Fund, April 2026 |
| Bd | 3.63% | 2.94% | -1.66% | 10-year Spanish government bond, long-term benchmark |
| PS | 3.66% | 2.76% | -1.84% | TER: 0.25%, passive AAA/AA EUR CLO index tracker. |
| SS | 3.61% | 2.72% | -1.88% | TER: 0.25%, actively managed AAA EUR CLOs, sub-advised by Blackstone Credit. |
| IE | 3.56% | 2.68% | -1.92% | TER: 0.25%, AAA-rated EUR CLOs, floating rate, adjusts with ECB rates. |
| IE | 3.56% | 2.68% | -1.92% | TER: 0.25%, AAA-rated EUR CLOs, accumulating, ISIN: IE000Y2JPPS4 |
| JH | 3.56% | 2.68% | -1.92% | TER: 0.25%, Janus Henderson EUR AAA CLO UCITS ETF, floating rate, maximum credit rating. |
| Bd | 3.30% | 2.67% | -1.93% | 2-year Spanish government bond, fixed rate |
| UE | 3.56% | 2.66% | -1.94% | TER: 0.25%, AAA-rated EUR CLO tranches, actively managed by UBS. |
| i€ | 3.51% | 2.64% | -1.96% | TER: 0.25%, actively managed AAA CLOs by BlackRock. |
| BB | 3.25% | 2.63% | -1.97% | 3.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Ld | 3.04% | 2.46% | -2.14% | Zero-coupon 12-month Spanish Treasury bill, benchmark asset |
| DB | 3.00% | 2.43% | -2.17% | 12-month term, €10k-€300k, bonuses for nómina + card |
| BB | 3.00% | 2.43% | -2.17% | 2.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Ld | 2.94% | 2.38% | -2.22% | Zero-coupon 6-month Spanish Treasury bill, sold at discount |
| AP | 2.97% | 2.37% | -2.23% | TER: 0.05%, YTM ~2.45%, ultra-short eurozone government bonds |
| VE | 2.97% | 2.35% | -2.25% | TER: 0.07%, ultra-low cost, passive eurozone sovereign 0-1Y |
| i€ | 2.97% | 2.33% | -2.27% | TER: 0.09%, YTM ~2.45%, eurozone sovereign debt 0-1Y duration |
| EB | 2.85% | 2.31% | -2.29% | 12-month term, €10k min, requires investment product |
| OO | 2.78% | 2.25% | -2.35% | 4-month term, salary €900+ required, else 1.76% |
| XI | 2.90% | 2.25% | -2.35% | TER: 0.12%, YTM ~2.90%, eurozone corporate bonds 0-1Y |
| RB | 2.63% | 2.13% | -2.47% | 36-month term, interests at maturity |
| VB | 2.55% | 2.07% | -2.53% | 12-month term deposit via Raisin |
| SC | 2.50% | 2.02% | -2.57% | Variable 2.50% for all customers since Mar 2026, no plan required |
| T2 | 2.40% | 1.94% | -2.66% | UK fintech, investor protection ~€20k, instant access |
| i€ | 2.44% | 1.90% | -2.70% | TER: 0.09%, distributing, very short duration bonds |
| XE | 2.44% | 1.90% | -2.70% | TER: 0.10%, tracks €STR, accumulating, liquid daily |
| AS | 2.44% | 1.90% | -2.70% | TER: 0.10%, accumulating, liquid daily |
| AP | 2.44% | 1.90% | -2.70% | TER: 0.10%, distributing, T+1 liquidity |
| HG | 2.44% | 1.90% | -2.70% | TER: 0.10%, AAA-rated MMF, institutional quality |
| JE | 2.44% | 1.89% | -2.71% | TER: 0.11%, government MMF, daily liquidity |
| IE | 2.44% | 1.88% | -2.72% | TER: 0.12%, accumulating, daily liquidity |
| AE | 2.44% | 1.88% | -2.72% | TER: 0.12%, T+1 liquidity |
| HE | 2.44% | 1.87% | -2.73% | TER: 0.13%, T+1 liquidity, institutional |
| BM | 2.30% | 1.86% | -2.74% | 12-month term, €30k-€300k, online via AVANTIO |
| BI | 2.44% | 1.85% | -2.75% | TER: 0.15%, institutional money market fund |
| GS | 2.44% | 1.85% | -2.75% | TER: 0.15%, prime MMF, T+1 liquidity, AAA-rated |
| BE | 2.26% | 1.83% | -2.77% | Weekly compound, higher balances get 2.26%, base 1.51% |
| TR | 2.25% | 1.82% | -2.78% | Okamžite dostupné, vypláca depozitnú sadzbu ECB, ochrana vkladov 100 000 € na partnerskú banku |
| MD | 2.25% | 1.82% | -2.78% | 3-month term, requires Premium Plan (€7.99/mo), up to 2.25% TAE |
| CD | 2.25% | 1.82% | -2.78% | 24-month term, €1-€250k, quarterly interest, BNP Paribas group |
| BS | 2.20% | 1.78% | -2.82% | 12-month term deposit, €10k minimum |
| LE | 2.45% | 1.78% | -2.82% | TER: 0.25%, inflation-linked bonds, hedges inflation risk |
| MR | 2.10% | 1.70% | -2.90% | Requires Premium Plan (€7.99/mo), up to €70k, instant access |
| CD | 2.10% | 1.70% | -2.90% | 12-month term, €1-€250k, quarterly interest, BNP Paribas group |
| MS | 2.05% | 1.66% | -2.94% | 1-month term, €10k-€100k, no conditions, Q2 2026: 2.05% TAE |
| NS | 2.00% | 1.62% | -2.98% | Metal plan only (€16.90/mo), instant access |
| NM | 2.00% | 1.62% | -2.98% | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| LC | 1.91% | 1.55% | -3.05% | Estónsky broker — ochrana investorov 20 000 €, NIE ochrana vkladov; Vault drží fondy peňažného trhu |
| RS | 1.85% | 1.50% | -3.10% | Premium/Metal plans, instant access, up to €100k |
| OC | 1.80% | 1.46% | -3.14% | Santander subsidiary, salary required, instant access |
| BC | 1.75% | 1.42% | -3.18% | Instant access, up to €50k, monthly interest, neobank |
| BE | 1.56% | 1.26% | -3.34% | Instant access, Dutch deposit guarantee, monthly interest |