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Overnight account comparison 2026
Compare current savings account offers
Compare the interest offers for your individual investment amount and duration.
Number of offers: 25
Number of offers: 25
tested by justETF
New clients (4 months): 4,20 % p.a.
Existing clients: 2,80 % p.a.
Payment interval: Daily
Account fee: 0.00 €
- Interest rate above ECB deposit rate for new and existing customers
- Interest is paid daily
Interest income
625.42 €
Ø 3,13 % p.a.
tested by justETF
New clients (6 months): 3,00 % p.a.
Existing clients: 0,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- 3.25 % p.a. interest rate for new clients when also opening a current account or brokerage account
Interest income
615.99 €
Ø 3,08 % p.a.
popular
tested by justETF
New and existing clients: 2,60 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- Interest above the ECB rate for all customers
- Client funds are partially distributed among qualified money market funds (only in FREE Broker) and partner banks
Interest income
533.16 €
Ø 2,67 % p.a.
popular
tested by justETF
New and existing clients: 2,50 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- Interest is linked dynamically to the ECB reference rate
- Offer has to be activated in the app
- Client funds are distributed among partner banks and qualified money market funds
Interest income
512.16 €
Ø 2,56 % p.a.
tested by justETF
New clients (4 months): 3,50 % p.a.
Existing clients: 2,00 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- French deposit protection
Interest income
459.81 €
Ø 2,30 % p.a.
tested by justETF
New and existing clients: 2,25 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- Interest is linked dynamically to the ECB reference rate (ECB rate minus 0.25 percentage points)
Interest income
458.96 €
Ø 2,29 % p.a.
tested by justETF
New and existing clients: 2,25 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- Interest is linked dynamically to the ECB reference rate (ECB rate minus 0.25 percentage points)
- can only be set up in combination with a securities account
Interest income
458.96 €
Ø 2,29 % p.a.
tested by justETF
New clients (6 months): 3,11 % p.a.
Existing clients: 1,61 % p.a.
Payment interval: Weekly
Account fee: 0.00 €
- Dutch deposit protection
- no automated tax reporting
Interest income
404.90 €
Ø 2,02 % p.a.
tested by justETF
New and existing clients: 1,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- also available as a joint or junior account
Interest income
355.41 €
Ø 1,78 % p.a.
tested by justETF
New clients (10 months): 3,35 % p.a.
Existing clients: 0,50 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- New client rate guaranteed for 10 months
Interest income
342.08 €
Ø 1,71 % p.a.
tested by justETF
New and existing clients: 1,50 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- Prerequisite: S Broker cash account
Interest income
303.97 €
Ø 1,52 % p.a.
tested by justETF
New clients (5 months): 3,80 % p.a.
Existing clients: 0,80 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- can only be set up in combination with a securities account
Interest income
288.26 €
Ø 1,44 % p.a.
tested by justETF
New clients (6 months): 3,50 % p.a.
Existing clients: 0,60 % p.a.
Payment interval: Annually
Account fee: 0.00 €
- also available as a joint or junior account
Interest income
266.23 €
Ø 1,33 % p.a.
tested by justETF
New clients (6 months): 3,00 % p.a.
Existing clients: 0,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- New client interest rate also applies to new deposits of existing clients
Interest income
265.29 €
Ø 1,33 % p.a.
popular
tested by justETF
New clients (4 months): 3,50 % p.a.
Existing clients: 0,75 % p.a.
Payment interval: Annually
Account fee: 0.00 €
- also available as a joint or junior account
- 3.75 % p.a. interest rate for new clients when also opening a current account
Interest income
242.92 €
Ø 1,21 % p.a.
tested by justETF
New clients (4 months): 3,33 % p.a.
Existing clients: 0,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- New client interest rate also applies to new deposits of existing clients
Interest income
238.26 €
Ø 1,19 % p.a.
tested by justETF
New clients (3 months): 3,00 % p.a.
Existing clients: 0,60 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- subsequent interest rate of 1,75 % p.a. for 3 further months
- new client interest rate applies only up to 50,000 €
Interest income
210.49 €
Ø 1,05 % p.a.
tested by justETF
New clients (4 months): 3,25 % p.a.
Existing clients: 0,60 % p.a.
Payment interval: Annually
Account fee: 0.00 €
- Prerequisite: clearing account (may be opened additionally) or existing current account at Targobank
Interest income
209.22 €
Ø 1,05 % p.a.
tested by justETF
New and existing clients: 1,00 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- Prerequisite: DKB current account
Interest income
201.76 €
Ø 1,01 % p.a.
tested by justETF
New and existing clients: 1,00 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- besides the traditional overnight account, a money market ETF portfolio is offered (Cash-Invest, management fee 0.48% p.a.)
Interest income
201.76 €
Ø 1,01 % p.a.
tested by justETF
New and existing clients: 0,75 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- Prerequisite: C24 current account
- no interest is paid on deposits over 100,000 €
Interest income
151.08 €
Ø 0,76 % p.a.
tested by justETF
New and existing clients: 0,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- You can manage your account entirely online via online banking and the Postbank app, or alternatively at Postbank branches.
Interest income
150.99 €
Ø 0,75 % p.a.
tested by justETF
New and existing clients: 0,75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- no interest is paid on deposits over 100,000 €
Interest income
150.99 €
Ø 0,75 % p.a.
tested by justETF
New clients (4 months): 2,75 % p.a.
Existing clients: 0,30 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- also available as a joint or junior account (these can only be opened in branch, though)
Interest income
142.56 €
Ø 0,71 % p.a.
tested by justETF
New and existing clients: 0,25 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- Prerequisite: N26 banking account
Interest income
50.12 €
Ø 0,25 % p.a.
— The data was last updated on 30 October 2026
— Only offers with an affiliate partnership with justETF are included.
— Please note: No guarantee can be given for the completeness, correctness and accuracy of the content listed. The providers' websites are authoritative.
* You want to open an account? If you use one of the affiliate links marked with an asterisk or the provider logos as a starting point, we will receive a commission. This is how we finance much of our free information offering. If you like our work, we appreciate your support!
** Important note: We are part of the Scalable Group since 2021 and are a wholly owned subsidiary of Scalable AG. This means that we are economically connected, but operate with editorial independence. Conflicts of interest are avoided because brokers and banks — including Scalable — are evaluated according to uniform, objective criteria. Ultimately, it’s up to you to decide how and with whom you want to invest.
— Only offers with an affiliate partnership with justETF are included.
— Please note: No guarantee can be given for the completeness, correctness and accuracy of the content listed. The providers' websites are authoritative.
* You want to open an account? If you use one of the affiliate links marked with an asterisk or the provider logos as a starting point, we will receive a commission. This is how we finance much of our free information offering. If you like our work, we appreciate your support!
** Important note: We are part of the Scalable Group since 2021 and are a wholly owned subsidiary of Scalable AG. This means that we are economically connected, but operate with editorial independence. Conflicts of interest are avoided because brokers and banks — including Scalable — are evaluated according to uniform, objective criteria. Ultimately, it’s up to you to decide how and with whom you want to invest.