EU Neobank Savings Rates 2026
Interest rates on savings, pots, and money market balances — updated March 2026. Rates change with ECB / Bank of England policy.
⚠️ Rates are variable and change with central bank decisions. Always verify current rates on each bank's app before depositing.
💰 Savings Rate Leaderboard
Savings Accounts in Detail
Interest paid daily. Rate tracks ECB deposit rate. No minimum balance. Covered by Lithuanian DGS (EDIS) up to €100K. Higher rates locked behind paid plan tiers.
N26 Spaces are sub-accounts used as savings pots. Rate depends on subscription plan. Covered by German DGS (EDIS) up to €100K. Interest credited monthly.
Easy Savings rate linked to ECB deposit rate. Higher rate requires premium subscription. Interest paid monthly. Covered by Dutch DGS (EDIS) up to €100K.
Wise Assets invests idle balances in BlackRock and Goldman Sachs money market funds. Not deposit insurance — funds are safeguarded (ring-fenced) but not EDIS/FSCS covered. Rates track central bank rates per currency. EUR rate tracks ECB, GBP tracks Bank of England base rate.
Interest on uninvested cash (Tagesgeld). Rate was 4.0% at peak ECB rates in 2023, reduced to 2.0% by early 2026 following ECB rate cuts. No minimum balance. All accounts same rate — no tier dependency. Covered by German DGS (EDIS) up to €100K.
Monzo offers instant-access savings pots (lower rates) and fixed-term savings at higher rates (up to 4.5% AER via partnered providers). FSCS protected up to £85K (~€100K). GBP accounts only. Fixed savings lock funds for the term.
DKK-denominated savings account. Rate follows Danish Nationalbanken (central bank) policy, which differs from ECB. Lower EUR-equivalent rate reflects lower Danish policy rate. Protected by Danish Guarantee Fund (equivalent to EDIS) up to DKK 750K (~€100K).
Savings Spaces earn interest at variable rate tracking Bank of England base rate. FSCS protected up to £85K (~€100K). GBP only — EUR/USD balances do not earn interest. Interest credited monthly. Starling is consistently profitable and one of the UK's strongest digital banks.
🛡️ Deposit Protection on Savings
✅ EDIS / FSCS Protected
Your savings are covered by the EU Deposit Guarantee Scheme (EDIS) or UK FSCS up to €100,000 (£85,000) per person, per bank. If the bank fails, you get your money back.
⚠️ Safeguarded (Not EDIS)
Funds are ring-fenced in separate accounts or invested in money market funds, but are NOT covered by government deposit insurance. Lower risk than unsecured, but not the same protection level.