The median yield of safe euro savings: deposits covered by a European guarantee scheme and government debt. One number, updated every day, with history since March 2026.
| Month | Safe savings EUR | Guaranteed deposits | Government debt EUR | Stablecoins | Crypto risk premium |
|---|---|---|---|---|---|
| 2026-10 | 3,02% | 3,00% | 3,11% | 4,18% | 1,17% |
| 2026-09 | 3,04% | 3,00% | 3,38% | 4,12% | 1,08% |
| 2026-08 | 2,80% | 2,77% | 2,94% | 4,12% | 1,32% |
| 2026-07 | 2,75% | 2,75% | 2,83% | 4,30% | 1,55% |
| 2026-06 | 2,58% | 2,60% | 2,58% | 4,14% | 1,56% |
| 2026-05 | 2,53% | 2,47% | 2,67% | 3,85% | 1,32% |
| 2026-04 | 2,38% | 2,11% | 2,66% | 4,52% | 2,14% |
| 2026-03 | 2,34% | 2,27% | 2,69% | 3,75% | 1,42% |
The index is the MEDIAN APY of the products that match the filters, not the average. A promotional 5% deposit running for three months should not move a whole market index.
Safe savings EUR covers euro deposits and savings accounts under a European guarantee scheme plus euro government debt, always at low risk. Stablecoins groups products denominated in stablecoins. The crypto risk premium is the gap between the two.
Data is synced daily from official sources: bank and platform APIs, the ECB, national treasuries, the OECD and DeFiLlama. The index is recalculated every day after the data close.
Caveat: The series before 14 September 2026 is reconstructed from each product daily history using its current classification (country, risk and guarantee). If a product changed category, its past appears reclassified.
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