Complete Guide to Varčevalni računi in Europe
Everything you need to know about Varčevalni računi, including how they work, what to consider, and country-specific details.
Last updated: June 2026
Kaj so Varčevalni računi?
Varčevalni računi so bančni produkti, pri katerih zaslužite obresti na svojo stanje. V evrskem območju so vloge do 100.000 € na banko zaščitene z nacionalno shemo zajamčenih vlog. Na voljo sta dve vrsti: prosto dostopni računi (dvig kadarkoli) in vezane vloge (denar je zaklenjen za določeno obdobje v zameno za višjo obrestno mero).
Kako delujejo Varčevalni računi?
Odprete račun pri banki, položite sredstva in zaslužite obresti. Pri vezanih vlogah se strinjate, da zaklenete denar za določeno obdobje. Predčasni dvig lahko povzroči kazni. Banke v EU morajo sodelovati v skladu za zajamčene vloge, ki ščiti do 100.000 € na vlagatelja.
Ključna opozorila za vlagatelje v European
- Jamstvo za vloge pokriva do 100.000 € na osebo na banko
- Akcijske obrestne mere se pogosto vrnejo na bistveno nižje po uvodnem obdobju
- Nekatere banke zahtevajo nakazilo plače ali minimalno stanje za najboljšo obrestno mero
- Obresti so obdavčene v večini držav evroobmočja
- Neobanke in tuje banke lahko ponudijo višje obrestne mere — preverite EU-jamstvo za vloge
Varčevalni računi by Country
Compare Varčevalni računi across different European countries to find the best option for your tax residence:
ŠpanijaTax: 19% · Inflation: 3.6%
Spain applies a 19% withholding tax on the first €6,000 of interest income, rising to 21% (€6k–€50k), 23% (€50k–€200k), and 28% above €200k. Many Spanish banks (MyInvestor, Openbank, EBN) offer competitive term deposits — but the best rates usually require salary domiciliation (nómina) or linking other products. The Fondo de Garantía de Depósitos covers €100,000 per depositor per institution.
Varčevalni računi in Španija →PortugalskaTax: 28% · Inflation: 3.1%
Portugal applies a flat 28% withholding tax on interest income. Residents can opt for englobamento (aggregation with other income), which may result in a lower effective rate for low earners. The Fundo de Garantia de Depósitos covers €100,000 per person per institution. Portuguese banks like ActivoBank, BiG, and CGD regularly offer promotional rates for new clients or fresh money.
Varčevalni računi in Portugalska →NemčijaTax: 26% · Inflation: 2.4%
Germany applies a 26.375% flat tax on interest income (25% Kapitalertragsteuer plus 5.5% Solidaritätszuschlag, and optionally Kirchensteuer). There is a Sparerpauschbetrag (saver's allowance) of €1,000 per person (€2,000 for married couples) where interest is tax-free. German neobanks like C24 and Trade Republic offer competitive rates. Foreign banks operating in Germany (Ayvens, BBVA) often top the rate tables.
Varčevalni računi in Nemčija →FrancijaTax: 31% · Inflation: 2.0%
France offers the Livret A (tax-free, €22,950 cap, currently 2.4%) and LDDS (tax-free, €12,000 cap) — these regulated accounts should be maximized first. Beyond these, interest is taxed at the 30% Prélèvement Forfaitaire Unique (PFU), also known as flat tax. Some banks like Fortuneo and BoursoBank offer competitive savings rates for non-regulated accounts.
Varčevalni računi in Francija →ItalijaTax: 26% · Inflation: 3.1%
Italy applies a 26% withholding tax on interest from bank deposits. Deposits up to €100,000 are covered by the Fondo Interbancario di Tutela dei Depositi (FITD). Italian banks historically offered conservative savings rates, but competition from neobanks and EU-wide deposit platforms has improved the landscape.
Varčevalni računi in Italija →NizozemskaTax: 24% · Inflation: 2.5%
The Netherlands uses a unique wealth tax system (Box 3) instead of taxing actual interest income. In 2026, a notional return is applied to your net assets above €57,000 (€114,000 for fiscal partners), taxed at 36%. This means actual interest earned is irrelevant for tax purposes — only your total wealth matters. Dutch neobanks like bunq offer competitive rates.
Varčevalni računi in Nizozemska →BelgijaTax: 30% · Inflation: 3.0%
Belgium applies a 30% withholding tax (précompte mobilier / roerende voorheffing) on interest income, but the first €1,020 per person in interest from regulated savings accounts is tax-exempt. This makes Belgian regulated savings accounts (like those from KBC, BNP Paribas Fortis, or Belfius) attractive up to the exemption threshold. The Fonds de Garantie des Dépôts covers €100,000 per depositor per institution.
Varčevalni računi in Belgija →AvstrijaTax: 28% · Inflation: 3.1%
Austria applies a flat 25% withholding tax (KESt — Kapitalertragsteuer) on interest income. The Einlagensicherung Austria (ESA) guarantees deposits up to €100,000 per person per bank. Austrian banks like DADAT, Easybank, and bank99 compete on savings rates. Bawag PSK and Erste Bank also offer competitive term deposits for new customers.
Varčevalni računi in Avstrija →IrskaTax: 33% · Inflation: 3.2%
Ireland applies DIRT (Deposit Interest Retention Tax) at 33% on savings interest — one of the highest rates in the eurozone. The Deposit Guarantee Scheme covers €100,000 per depositor per institution. Irish banks (AIB, Bank of Ireland, Permanent TSB) have historically offered low savings rates, but competition from EU-wide deposit platforms like Raisin has improved options for Irish savers.
Varčevalni računi in Irska →SlovenijaTax: 28% · Inflation: 3.7%
Slovenija obdavčuje dohodke od obresti z 27,5 % davkom. Shema zajamčenih vlog pokriva do 100.000 € na vlagatelja na banko. Glavni slovenski banki NLB in Nova KBM ponujata konkurenčne obrestne mere za varčevanje. Nekatere manjše banke in EU-platforme lahko ponudijo višje obrestne mere.
Varčevalni računi in Slovenija →Pogosta vprašanja
Ali so varčevalni računi v evroobmočju varni?
Da. Vse države članice EU imajo shemo zajamčenih vlog, ki ščiti do 100.000 € na vlagatelja na banko v skladu z Direktivo EU 2014/49/EU.
Ali izbrati prosto dostopen račun ali vezano vlogo?
Odvisno od vaših potreb po likvidnosti. Vezane vloge običajno ponujajo 0,2–0,8 % več, vendar je denar zaklenjen.
Kaj je realni donos?
Realni donos je donos po davkih in inflaciji. Primer: 3 % bruto obrestna mera z 27,5 % davkom in 2 % inflacijo: 3 %×(1−0,275)−2 % = 0,175 %.
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