Overview
- Verivox’s report on Thursday shows the top promo for instant‑access savings at 3.5% via Raisin for three months, with money held in trust at Deutsche Bank during the offer and then moved or paid out under product rules.
- Other new‑customer promos cluster near the top of the table, including Consorsbank at 3.4% for three months before a 0.80% standard rate and Ikano Bank at 3.36% for three months before 1.51%.
- For lasting rates without a time limit, Ferratum pays 2.7% for all customers under Malta’s deposit guarantee, while Scalable Capital offers 2.5% and can place part of balances in money market funds for non‑Prime users, which are safe but not covered by deposit insurance.
- Fixed‑term deposits also climbed, with J&T Direktbank raising rates across maturities up to 3.5% for 10 years and cutting the minimum to €1,000 until May 31, while two‑year terms broadly yield about 3% and Crédit Agricole advertises up to 3.2% across product variants.
- Many top deals are short, capped, and followed by much lower rates, so savers should check duration, deposit limits, follow‑up pricing, and the national scheme that insures up to €100,000 before choosing between instant‑access accounts and fixed terms.