High daily interest rates of up to 3.5% are tempting in December! Find out how you can secure the best conditions for your savings.
Despite the recent Interest rate cut the European Central Bank, the current account remains an attractive option for many savers. Numerous banks still offer tempting conditions, especially for new customers. We examined and compared the best offers on the market in a detailed analysis. This overview provides savers with valuable insights so that they can make an informed decision in the current interest rate situation
The top providers in direct comparison
Consorsbank*: 3.50% interest pa in the first three months, 40 euros starting bonus, double deposit protection.
TF Bank*: 3.40% interest pa in the first three months.
Barclays*: 3.25% interest pa in the first four months.
Suresse Direct Bank*: 3.30% interest pa in the first four months.
Santander*: 3.00% interest pa in the first six months.
Openbank*: 3.45% interest pa in the first three months.
The Consorsbank offer
The Consorsbank* presents new customers with an attractive daily money offer with 3.50 percent annual interest for the first three months on deposits of up to 100,000 euros. There is an additional starting bonus of 40 euros with a minimum deposit of 25,000 euros.
This free account with no minimum deposit features quarterly interest credits and comprehensive deposit protection. With a guaranteed interest rate, easy online management and flexible conditions, it is particularly interesting for savers looking for high returns with flexibility
Open your daily money account with Consorsbank directly here*
The TF Bank offer
The TF Bank* offers new customers a daily money account with 3.40 percent annual interest for the first quarter. This account scores with daily availability, monthly interest credits and free management. Deposits up to 100,000 euros are protected by the Swedish deposit insurance. The completely digital management via “My TF Bank” as well as fee-free transactions make this offer particularly attractive for investors who value flexibility and high returns.
Open your daily money account with TF Bank directly here*
The Barclays offer
Barclays* currently offers an attractive current account with an interest rate of 3.25 percent pa for new customers. This interest rate is valid for 3 months and for deposits up to 250,000 euros. The account is free, with no minimum deposit and available daily. After the promotional phase, the standard variable interest rate applies. The German deposit insurance is particularly advantageous, as it protects deposits of up to 100,000 euros per customer. The account can be opened conveniently online, which makes the offer particularly interesting for savers.
Open your current account with Barclays directly here*
The Suresse Direkt Bank offer
The Suresse Direct Bank*, a brand of Santander Consumer Finance SA, offers new customers a daily money account with 3.40 percent annual interest, guaranteed for the first five months. The fee-free account allows daily access and monthly interest credits with no minimum deposit. Deposits up to 100,000 euros are protected by the Belgian Deposit Protection Fund. With easy online opening and administration, this offer is particularly attractive for savers who want to combine high interest rates with a long guarantee and flexibility.
Open your daily money account with Suresse directly here*
Santander’s offer
The Santander Bank* currently offers an attractive daily money account with a promotional interest rate of 3.0% pa for new customers. This interest rate applies for the first 6 months. The offer is aimed at customers who have not had a Santander current account in the last 6 months. Opening and maintaining an account are free, and funds are available daily. However, transfers are only possible to a stored reference account.
Open your daily money account with Santander directly here*
The Openbank offer
The Openbank*, part of Santander Consumer Finance SA, offers new customers an attractive current account with 3.45 percent annual interest for the first three months on deposits of up to 1 million euros. The offer includes a free checking account with debit card, monthly interest credits and availability at all times. Account management is free of charge and deposits up to 100,000 euros are protected by the Spanish Deposit Protection Fund. New customers activate the offer when opening online using the code “WELCOME”.
Open your daily money account with Openbank directly here*
Conclusion
Call money remains attractive for short-term, flexible investments. Despite ECB interest rate cuts, many banks, especially online institutions, are enticing new customers with interest rates of up to 3.60 percent. These offers, which are often limited in time, offer savers a good combination of flexibility and security. Regularly comparing conditions and occasionally switching providers can be worthwhile in order to benefit from the best interest rates.
By the way: You can also find the currently best daily money offers in our daily money comparison.
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