Top savings accounts compared

About Top savings accounts compared

Savings accounts in this ranking are judged on what decides the worth of a pot: what it costs to hold, how the money behind it is protected and how freely you can reach it. The list covers 1,441 brands, and the trade-off at its centre is the gap between a headline rate that looks generous and a plain deposit that earns less and behaves predictably. Member types differ here: AXI Card and Plazo ES run revolving credit lines, XTB and eToro pay interest on money sitting uninvested, and Crezu ES and Finmercado ES arrange borrowing. Readers weighing cost, safety of the money and how the account works should set every rate beside the account type behind it, because a high rate charged on borrowed money means something different from a high rate paid on money set aside. Fees are the quieter tie-breaker: the median monthly fee sits at €0, the median headline rate at 3.08% and the median minimum deposit at €0.17. Protection also differs, with members sitting under different deposit schemes.

How we picked

Every member is scored on weighted measures. Cost carries 35%, the offer measure carries 25% and trust carries 40%, so protection and licensing pull harder than price on its own. Cost reads the monthly fee first: the median in this ranking sits at €0, the upper quartile at €0 and the highest fee seen at €449, then the headline rate against a category whose median sits at 3.08%. Offer covers the account type, the access terms, the rate type and the minimum deposit, so an account that pays well but ties the money up cannot climb on price alone. Trust reads the legal entity, the home country and the deposit protection scheme on record, which is what a saver is really lending confidence to. Figures come from each provider's published terms, fee pages and legal notices, plus public regulator registers where the entity is licensed. Branded partners are listed first because they carry a commercial relationship with the site, and everything after them follows score order, so an early position among partners is a placement rather than a score claim.

What to look for

Rate and rate type

A headline rate means little until you know what it sits on and whether it moves. Here the median headline rate is 3.08% and the upper quartile 4.5%, while a variable rate accounts for 76.8% of entries and a fixed rate for 23.2%.

Monthly fee

The median monthly fee in this ranking sits at €0 and the upper quartile at €0, so a standing monthly charge is the exception rather than the rule. The top of the range reaches €449, and that gap is worth checking before opening an account.

Minimum deposit

The median minimum deposit sits at €0.17 and the upper quartile at €21.82, with the lowest thresholds at €0. A small floor is friendlier for a first deposit than a high one, especially for a small balance.

Account type and access

Easy-access accounts make up 75.6% of this ranking and fixed accounts 18.2%, with notice accounts at 0.4%. Anything tied to a term or revolving should be read as a different product from a savings pot.

Reaching the money and getting help

A payout to a bank account covers 88.3% of entries and a wallet payout 30.6%, so the route back to your own money matters as much as the rate. On help, phone support appears in 82.6% of entries and a help centre in 76.7%.

Currency and exchange cost

The median number of currencies is 5 and the median exchange cost 0.5%, with the upper quartile of that cost at 2.02%. Multi-currency accounts help savers who earn or spend in more than one currency.

Frequently asked questions

Top savings accounts compared by country

• Australia
• Brazil
• Canada
• China
• France
• Germany
• India
• Ireland
• Italy
• Japan
• Philippines
• Singapore
• Spain
• United Kingdom
• United States

Accounts compared head to head

• Finom vs Linxea
• Finom vs Airwallex
• Linxea vs Airwallex

The data behind this ranking

All data and the CSV