Updated October 18, 2026 · VaultCue Editorial Team

Top fixed-rate bonds and CDs compared

188 accounts, ranked on the terms we checked.

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Top fixed-rate bonds and CDs compared
Order	Account	Score	Features	Key facts	Actions
1	FinomTop pickPartner Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000	8.9/10	No monthly fee Free ATM	Headline rate: 5% Rate type: Fixed Minimum deposit: €0	Review CompareVisit
2	iuvoSAVEPartner	8.7/10	No monthly fee	Headline rate: 5% Rate type: Fixed Term: 3 months	Review CompareVisit
3	EstateGuruPartner 8% Campaign on additional EG Grow investments: Fixed annual interest rate of 8% instead of the standard 7%	8.8/10		Headline rate: 7% Rate type: Fixed Minimum deposit: €100	Review CompareVisit
4	Bank of Scotland DEPartner German online bank offering Festgeld fixed-term deposits and Tagesgeld savings alongside instalment and car loans.	8.5/10		Headline rate: 3% Account kind: Easy access Headquarters: Germany	Review CompareVisit
5	Santander Consumer Bank PLPartner Polish consumer bank offering online lokaty (term deposits), a savings account, cash and car loans and credit cards.	8.5/10	No monthly fee	Headline rate: 3.6% Rate type: Variable Access terms: no minimum or maximum balance on the account	Review CompareVisit
6	Bigbank FIPartner Bigbank in Finland offers a savings account and fixed-term deposits, with deposit protection up to 100,000 euros per customer, alongside vehicle and product financing.	8.0/10	No monthly fee	Headline rate: 2.5% Deposit protection: Up to 100,000 EUR per customer Access terms: Ei kuluja tai nostorajoituksia	Review CompareVisit
7	AmonatbonkPartner	9.8/10		Headline rate: 13% Rate type: Fixed Term: 36 months	Review CompareSee alternatives
8	ANSA Merchant Bank BarbadosPartner	9.6/10		Rate type: Fixed Term: 12 to 36 months Access terms: Fixed deposits only, one to three-year commitment, business and corporate customers	Review CompareSee alternatives
9	Danske Bank DKPartner 0 kr. in trading commission right now: 0 DKK trading commission (kurtage)	9.6/10	No monthly fee Free ATM	Rate type: Fixed Term: 3 to 12 months Minimum deposit: DKK 10,000	Review CompareSee alternatives
10	Toss BankPartner Toss Bank 31-day deposit promotional rate: Up to 10.0% p.a. (base rate 1.0% p.a.)	9.6/10	Low FX Free ATM	Headline rate: 1% to 10% Rate type: Fixed Term: 1 month	Review CompareSee alternatives
11	Capita Financial ServicesPartner Smart Start Home Account mortgage interest rate discount: 0.15% to 0.25% discount on CAPITA mortgage interest rate	9.5/10	No monthly fee	Rate type: Fixed Term: 12 to 60 months Minimum deposit: BBD 1,000	Review CompareSee alternatives
12	NBGPartner	9.5/10	No monthly fee	Rate type: Fixed Minimum deposit: €3,000 Deposit protection: EU DGS up to EUR 100,000	Review CompareSee alternatives
13	PriorbankPartner KROK payments moneyback to Priorbank account: 5% cashback	9.5/10	Free ATM	Headline rate: 4% to 12.8% Rate type: Fixed Term: 6 to 38 months	Review CompareSee alternatives
14	Salt BankPartner Prima luna este gratuit (first month free): First month of any Salt plan free	9.5/10	Expats Travelers No monthly fee Low FX Free ATM	Headline rate: 5.3% to 5.9% Rate type: Fixed Term: 3 to 12 months	Review CompareSee alternatives
15	Unibank depositsPartner Gift card with Term deposit (UCard / Mastercard Black Edition): UCard for deposits of 1 000-20 000 AZN / USD; Mastercard Black Edition for deposits over 20 001 AZN / USD / EUR	9.5/10		Headline rate: 7% to 10.5% Rate type: Fixed Term: 3 to 24 months	Review CompareSee alternatives
16	ASA BankaPartner	9.4/10	No monthly fee	Rate type: Fixed Minimum deposit: BAM 1,000 Access terms: Term savings in KM, EUR, USD or other listed currencies; option of automatic prolongation on expiry; deposits insured under the Deposit Insurance Law	Review CompareSee alternatives

About Top fixed-rate bonds and CDs compared

Fixed-rate bonds and certificates of deposit pay a set rate for a set length of time, so the return is known in advance and nothing moves with the market. This ranking covers 185 of them, and the fixed rate group makes up 100% of the table. Most people comparing these are weighing a plain trade-off: the headline rate on offer, where the median across this ranking is 6%, against how easily the money comes back before the term ends. A better rate often arrives with a longer term, a larger minimum deposit, or interest that only settles at the end rather than monthly. The median minimum deposit here is €190 and the median term is 12, so read each entry with both figures to hand: what you earn, and what it costs to get in and out.

How we picked

Each brand in this ranking is scored on the three things that decide whether a fixed deposit is worth opening: trust, cost and offer. Trust carries the heaviest weight at 40%, pulling in the licence and the regulatory footing behind the account, because your money has to be safe before the rate matters. Cost is weighted at 35% and covers the monthly fee, the headline rate and the minimum deposit you must part with. Offer is weighted at 25% and covers the term length, the routes in and out, and how the account is run day to day. Every rate, fee, minimum, term, protection statement and support channel comes from the provider's own published terms, legal notices and support pages, and nothing is estimated. Partners are placed at the top of the table, so those slots are paid placements, with the highest scoring non-partners listed after them. Order inside each group follows the score rather than the rate, which is how an easy-access account can sit above a longer fixed deposit.

How we rank

Our top picks

2. iuvoSAVE
iuvoSAVE is in this ranking as a true fixed account: the money is committed for a term of 3 and pays 5%, with a €100 minimum and a €0 monthly fee. You can add funds at any time, and the balance becomes available automatically after the due date unless you select renewal, so the process is predictable. Leaving early is possible before the due date and carries a fee on the amount exited, with a cap on how much can leave each month, which is the first detail to read. Support runs on email, phone and help centre, and the provider is IUVO GROUP OÜ in EE. Imon International, ranked next, also locks money away but across a far longer window in a different market.
- Headline rate: 5%
- Rate type: Fixed
- Term: 3 months
Pros
- Clear focus on purchasing receivables
- Originators reviewed before offers appear
- Operated by a company registered in Estonia
Cons
- Lending through a platform carries credit risk
- Delayed payments can take time to resolve
4. Bank of Scotland DE: best for Bank of Scotland DE
German online bank offering Festgeld fixed-term deposits and Tagesgeld savings alongside instalment and car loans.
- Headline rate: 3%
- Account kind: Easy access
- Headquarters: Germany
Pros
- Operates as an online direct bank with fully digital application steps
- Offers flexible savings alongside fixed term savings for planned deposits
- Provides car loans and general loans alongside savings products
- Allows savings to sit separately while daily banking stays elsewhere
Cons
- Provides service online only without branch access for personal advice
- Focuses on a narrow product set centred on savings and loans
- Operates in Germany only with residence required for account opening
5. Santander Consumer Bank PL: best for Santander Consumer Bank PL
Polish consumer bank offering online lokaty (term deposits), a savings account, cash and car loans and credit cards.
- Headline rate: 3.6%
- Rate type: Variable
- Access terms: no minimum or maximum balance on the account
Pros
- Online fixed term savings plus a savings account among seven options
- Mobile tool covers many everyday tasks with online account access
- Branch list and contact form add choice beyond phone lines
- Cash, car and instalment lending sit beside cards and insurance
Cons
- Savings choice centres on fixed term offers plus one deposit account
- Phone help runs Monday to Friday with set daytime hours
- Deposits sit beside loans, cards and insurance rather than alone
6. Bigbank FI: best for Bigbank FI
Bigbank in Finland offers a savings account and fixed-term deposits, with deposit protection up to 100,000 euros per customer, alongside vehicle and product financing.
- Headline rate: 2.5%
- Deposit protection: Up to 100,000 EUR per customer
- Access terms: Ei kuluja tai nostorajoituksia
Pros
- Savings account alongside fixed term deposits for different goals
- Fixed term option with a steady return through market changes
- Flexible saving shaped for everyday deposits and withdrawals
- Accounts that work for personal goals or business use
Cons
- Focused range built around saving and instalment financing
- Fixed term saving asks you to stay for the agreed period
- Online account handling with no branch service mentioned

What to look for

What the rate is really worth: A headline rate only means something next to the term behind it. The median headline rate in this ranking is 6%, the upper quartile reaches 12.88% and the weakest sit at 0.01%. Compare like with like before you commit.
The minimum deposit: The amount you must hand over sets the floor and decides how many of these accounts you can open. The median minimum here is €190, the lower quartile is €10 and the upper quartile is €1,000, so a smaller starting balance simply gives you more choice.
Monthly fees: A monthly fee quietly eats into a fixed return, because it is charged for as long as the money stays put. Most accounts here charge nothing: the median is €0 and the upper quartile is €0, with €29.99 at the top end.
How long you are tied up: Access to your money matters as much as the rate. The median term in this ranking is 12, the shortest terms start at 1 and the longest run to 60, and the fixed account group covers 84.2% of the ranking.
Help when something goes wrong: Reach matters once money is involved. Of the entries in this ranking, 91.3% offer phone support, 74.5% have a help centre and 71.2% offer email, so check the channels before you need them.
Who is holding the money: The licence behind the account decides what protection applies to it. This ranking lists 185 entries, of which 100 are licensed, and the type of licence varies. Read the protection statement in each provider's terms before you deposit, since the stated cover limit is what protects you.

Frequently asked questions

What is the difference between a fixed deposit and an easy-access account?+

A fixed deposit, or certificate of deposit, commits your money for a set term at a rate that does not change, so you know what you will earn but you cannot withdraw without giving something up. An easy-access account pays interest on money you can move at any time, usually at a lower rate. This ranking contains accounts of both kinds, so read the account type and term on each entry before you choose.

Is my money protected in a fixed-rate deposit?+

That depends on the provider and the licence it holds, so the answer differs across this list. Where an entry states a protection scheme, it names the scheme and the cover limit, for example a stated limit under the EU deposit guarantee. Read that limit before you deposit: it is the safety net that matters most if the provider ever fails, and it applies per depositor per institution.

How much do I need to open one of these?+

The minimum deposit varies widely here. The median across this ranking is €190, with a lower quartile of €10 and an upper quartile of €1,000. Some accounts open onto almost nothing, while others are built for larger balances, so start from an amount you can leave untouched for the whole term.

Can I get my money out before the term ends?+

It depends on the provider, and the entries here set out what is allowed. One account allows an early exit before the due date, with a fee on the amount taken out early and a cap on how much can leave each month, while another lets you withdraw or reinvest at any time and auto-renews by default. Longer terms usually pay more, so weigh the rate against the cost of changing your mind.

Why do some accounts here quote a much higher rate than others?+

Because they are not the same product. A revolving credit line, an instant-access cash pocket and a fixed deposit all sit in this ranking, and the headline rates reflect different markets and currencies. Compare the account type, the term, the minimum deposit and the currency before treating one rate as better than another. The median headline rate here is 6%.

Is a monthly fee normal on these accounts?+

Most accounts in this ranking charge no monthly fee: the median is €0 and the upper quartile is €0, though some reach €29.99. On a fixed deposit the fee is worth checking closely, because it is charged every month for as long as the money stays invested.

Ready to try Finom?

Ranked #1 of 10.

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