Fixed-term bank deposits are one of the safest ways to grow your savings. In exchange for locking your capital for a set period, the bank guarantees a fixed return. APYData compares the best deposits available across Europe in real time, including options from European banks accessible through platforms like Raisin.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
ING Australia
|
ING — Savings Maximiser (AU) | 6.00% | 8.3 | Low | Instant | View → |
| 2 |
ANZ
|
ANZ Plus — Save (AU) | 5.10% | 8.1 | Low | Instant | View → |
| 3 |
Ibercaja
|
Cuenta Vamos | 5.09% | 8.1 | Low | Instant | View → |
| 4 |
Marcus by Goldman Sachs
|
Marcus — Easy Access Savings (UK) | 3.75% | 7.8 | Low | Instant | View → |
| 5 |
Monzo
|
Monzo — Instant Access Savings Pot (UK) | 3.65% | 7.8 | Low | Instant | View → |
| 6 |
SME Bank
|
SME Bank — Depósito 1 año (Raisin) | 3.51% | 7.0 | Low | Al vencimiento | View → |
| 7 |
Mano Bank
|
Mano Bank — Depósito 1 año (Raisin) | 3.46% | 7.0 | Low | Al vencimiento | View → |
| 8 |
Fjord Bank
|
Fjord Bank — Depósito 1 año (Raisin) | 3.40% | 6.9 | Low | Al vencimiento | View → |
| 9 |
Mano Bank
|
Mano Bank — Depósito 2 años (Raisin) | 3.40% | 5.7 | Low | Locked | View → |
| 10 |
SME Bank
|
SME Bank — Depósito 2 años (Raisin) | 3.39% | 5.7 | Low | Locked | View → |
| 11 |
BluOr Bank
|
BluOr Bank — Depósito 1 año (Raisin) | 3.35% | 5.9 | Low | 12-month term | View → |
| 12 |
Fjord Bank
|
Fjord Bank — Depósito 2 años (Raisin) | 3.30% | 6.9 | Low | Al vencimiento | View → |
| 13 |
Renault Bank
|
Depósito Tú+ 36 meses | 3.24% | 6.9 | Low | — | View → |
| 14 |
Achmea Bank
|
Achmea Bank — Depósito 7 años (Raisin) | 3.18% | 5.7 | Low | Locked | View → |
| 15 |
Achmea Bank
|
Achmea Bank — Depósito 5 años (Raisin) | 3.17% | 5.7 | Low | Locked | View → |
| 16 |
Achmea Bank
|
Achmea Bank — Depósito 4 años (Raisin) | 3.17% | 5.7 | Low | Locked | View → |
| 17 |
Renault Bank
|
Depósito Tú+ 24 meses | 3.14% | 6.9 | Low | — | View → |
| 18 |
Haitong Bank
|
Haitong Bank — Depósito 3 años (Raisin) | 3.14% | 5.7 | Low | Locked | View → |
| 19 |
Klarna Bank
|
Klarna Bank — Depósito 4 años (Raisin) | 3.10% | 6.9 | Low | Al vencimiento | View → |
| 20 |
Fjord Bank
|
Fjord Bank — Depósito 3 años (Raisin) | 3.10% | 6.9 | Low | Al vencimiento | View → |
Not all deposits are equal. The difference between a 2% and a 3.5% deposit on €50,000 over 12 months is €750 in interest — enough to justify 15 minutes of comparison. These are the factors that matter:
Always compare using the APY, which standardises rates across different terms and compounding frequencies. APYData shows the APY directly for every product — no manual calculation needed.
The most common terms in 2026 are 6, 12 and 24 months. The yield curve is currently fairly flat — the difference between 12-month and 24-month deposit rates is small. For most savers, 12 months offers the best balance of yield and flexibility.
All deposits at EU banks are covered up to €100,000 per depositor per institution by the national Deposit Guarantee Scheme. In the UK, FSCS covers up to £85,000. In the US, FDIC covers up to $250,000. If you have more than the limit, distribute across multiple institutions to maintain full coverage at each.
Most fixed-term deposits do not allow early withdrawal, or apply penalties (typically loss of some or all interest earned). Make sure you will not need the money before maturity, or look for deposits with an early cancellation clause.
Raisin aggregates the best deposit offers from banks across the EU — Germany, Estonia, Latvia, and more — all accessible from a single account. All deposits remain covered by their home country DGS. In 2026, Raisin consistently offers some of the highest rates available to European savers.
If you need immediate access (emergency fund, short-term savings), an instant-access account like Trade Republic (2.02%) or Bunq (2.31%) is better even at a slightly lower rate. If the money will not be needed for 12+ months, a fixed-term deposit almost always pays more. Many savers combine both: instant-access for the emergency fund, fixed-term for medium-term savings.
APYData aggregates rates and yields from official sources: the European Central Bank, national treasuries (bonds & T-bills), the Spanish Deposit Guarantee Fund (FGD) and banks’ official rates. Figures are updated automatically. (how it works · about us)
· Published by APYData
Cite this page: “Best Fixed-Term Bank Deposits in Europe 2026”, APYData — https://apydata.com/en/best-fixed-term-deposits-europe