Overview
- New comparisons highlight strong standard rates for existing customers: Trade Republic pays 2.0% on cash balances, calculated daily and paid monthly, with funds partly parked in money‑market instruments and a free securities account required.
- Suresse Bank offers a variable 1.9% with monthly interest crediting and coverage by Spain’s statutory deposit guarantee scheme, positioning it for savers who want to avoid frequent account switching.
- Renault Bank pays 1.8% up to €250,000 for existing customers and 1.0% above that threshold, credits interest monthly, and protects deposits under France’s legal guarantee up to €100,000 per customer.
- Auto‑affiliated banks advertise higher short‑term promos — VW Bank 2.9% for six months, Renault Bank 2.9% for three months, Stellantis 3.0% for three months — that revert to lower follow‑on rates such as 1.0% at VW and 1.35% at Stellantis.
- Analyses report savers forfeited about €4.2 billion in potential interest in December 2025 and roughly €48 billion over the year, even as top promotional rates climbed to around 3.2%, underscoring the importance of standard rates, interest‑crediting cadence, limits and EU deposit protection up to €100,000.