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Best High-Yield Savings Accounts in Europe 2026 - Compare EUR Interest Rates

Looking for the best high-yield savings account in Europe? Whether you call it a HYSA, euro savings account, or cash management platform, we've compared the top options across fintech apps, neobanks, and trading platforms to help you find the highest EUR interest rates available in 2026.

Click on any platform in the table to visit directly and for some, you'll even unlock an exclusive welcome bonus.

Latest update: January 2026

Best Euro Savings Account Interest Rates

Platform	EUR Interest Rate
Bondora BONUS €5 welcome bonus with our link	6.00%
XTB	2.30%
Trading 212 BONUS Get free fractional shares worth up to €100 with our link	2.20%
Mintos BONUS Get up to €200 in bonuses with our link	2.00%
Trade Republic	2.00%
N26	2.00%
Scalable Capital	2.00%
Revolut	2.00%
Lightyear BONUS Get up to £100 in a US fractional share with our link	1.90%
Wise	1.71%
Interactive Brokers	0.42%

HYSA Europe - What to Consider

When choosing a high-yield savings account (HYSA) in Europe, consider these factors:

Deposit protection: Traditional banks like N26 and Revolut offer up to €100,000 protection under EU deposit guarantee schemes. Fintech platforms like Bondora and Mintos operate differently.
Withdrawal flexibility: Some accounts offer instant access, while others may have notice periods.
Rate changes: Most rates are variable and can change with ECB policy decisions.
Country availability: Not all platforms accept customers from every EU country.

Why Bondora Offers 6% Interest

You might wonder how Bondora can offer 6% when most banks pay under 2%. The key difference is that Bondora's Go & Grow product invests your money in consumer loans rather than holding it as a traditional deposit. This peer-to-peer lending model allows them to pass on higher returns to investors, though it comes with different risk considerations than a bank deposit protected by deposit guarantee schemes.

For those comfortable with this structure, Bondora has paid consistent returns since 2019 and allows withdrawals within 30 days. It remains the highest-yielding option for Euros in Europe. Read our full Bondora Go & Grow review for a detailed analysis of risks and returns.

Provider Bonuses and Promotions

Several platforms on this list offer welcome bonuses when you sign up through our links. Here's a quick overview of the current promotions:

XTB

XTB offers 2.30% interest on uninvested EUR cash, making it one of the highest rates among traditional brokers. New users can get a free stock when opening an account through our link. Read our XTB review for a complete breakdown of features and fees, or check out the XTB free stock promotion details.

Trading 212

Trading 212 pays 2.20% on uninvested EUR and offers free fractional shares worth up to €100 when you sign up with a promo code. The platform is popular for its commission-free trading and user-friendly interface. Learn more in our Trading 212 review or grab your bonus via the Trading 212 promo code page.

Mintos

Mintos offers 2.00% on their Mintos Core ETF and up to €200 in bonuses for new investors. As a peer-to-peer lending marketplace, the actual returns can vary based on the loans you invest in. See the full Mintos bonus code details for the current offer.

Lightyear

Lightyear pays 1.90% on EUR balances and offers new users up to £100 in free US fractional shares. The platform stands out for its competitive FX rates and straightforward pricing. Check out our Lightyear review or get your bonus through the Lightyear promo code page.

Interactive Brokers

While Interactive Brokers offers a lower EUR interest rate (0.42%), it remains a top choice for serious investors due to its professional-grade tools and global market access. New users can earn up to $1,000 in IBKR stock through their referral program. Read our Interactive Brokers review or check the IBKR referral bonus details.

Euro Deposit Rates Calculator

Curious about how much your savings could grow with these competitive European interest rates? Use our interactive calculator to see your potential returns over time. Simply select your preferred currency, enter your deposit amount, and adjust the interest rate based on the options in the table above.

High-Yield Savings Calculator

See how much your savings could grow with Europe's best rates

Initial Deposit (€)

Interest Rate (%)

Time Period (months)

Total Interest Earned

€350.00

Final Balance

€10,350.00

Monthly Interest

€29.17

This calculator provides estimates based on simple interest. Actual returns may vary depending on compounding frequency, tax implications, and changes to variable rates.

Frequently Asked Questions

What is the best high-yield savings account in Europe?

As of January 2026, Bondora offers the highest rate at 6% for Euro deposits through their Go & Grow product. For traditional broker accounts, XTB leads at 2.30%, followed by Trading 212 at 2.20%, and Trade Republic, N26, and Revolut at 2.00%.

Are high-yield savings accounts safe in Europe?

Traditional bank accounts like N26, Revolut, and Trade Republic are protected by EU deposit guarantee schemes up to €100,000. Broker platforms like XTB and Trading 212 hold client funds in segregated accounts. Fintech platforms like Bondora and Mintos operate differently as they invest in consumer loans, which carries different risk considerations but potentially higher returns.

What is a HYSA in Europe?

HYSA stands for High-Yield Savings Account. In Europe, these are savings accounts or cash management platforms that offer interest rates significantly above traditional bank savings rates. Popular options include neobanks like N26 and Revolut, trading apps like Trading 212, XTB, and Trade Republic, and fintech platforms like Bondora.

How do Euro savings account interest rates compare to the US?

Euro savings rates are generally lower than US dollar rates due to ECB monetary policy. While US HYSAs can offer 4-5% APY, Euro accounts typically range from 1.5-2.5% at traditional platforms, with higher rates available through P2P lending platforms like Bondora at 6%.

Not sure which platform is right for you? Try our free BrokerMatch tool to get a personalized broker recommendation based on your location, goals, and investing style.

And don't miss out on our bonuses and exclusive perks page, we've rounded up the best sign-up offers, discounts, and rewards available across dozens of top platforms.