Overview
- Topline savings promos reported Friday include Consorsbank at 3.40% for three months, Santander at 3.3% for four months, and TF Bank at 3% for four months.
- For fixed terms, Bank of Scotland is paying 3.0% on a one-year deposit under Germany’s deposit guarantee.
- These headline rates are temporary for new customers, with follow-on yields far lower such as 0.8% at Consorsbank, 0.3% at Santander, and 1.45% at TF Bank after the promo.
- A separate 4% offer from French neo-bank Deblock uses crypto finance by sweeping euros into a stablecoin vault and it carries no standard deposit insurance.
- Savers should check the term, caps, and which national scheme protects funds, since cover is usually €100,000 per bank in the EU and about 1,150,000 SEK in Sweden with payout tied to the euro–krona rate.