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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: 27
Number of offers: 27
tested by justETF
New clients (4 months): 4.20 % p.a.
Existing clients: 3.50 % 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
750.10 €
Ø
3.75 % 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.
tested by justETF
New clients (4 months): 4.10 % p.a.
Existing clients: 2.00 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- French deposit protection
Interest income
480.69 €
Ø
2.40 % p.a.
popular
tested by justETF
New and existing clients: 2.25 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- Offer has to be activated in the app
- Client funds are distributed among partner banks and qualified money market funds
Interest income
459.84 €
Ø
2.30 % p.a.
tested by justETF
New and existing clients: 2.00 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- Requirement: minimum of three transactions (orders or savings plans) per quarter
Interest income
407.07 €
Ø
2.04 % p.a.
tested by justETF
New and existing clients: 2.00 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- can only be set up in combination with a securities account
Interest income
407.07 €
Ø
2.04 % p.a.
tested by justETF
New clients (6 months): 3.01 % p.a.
Existing clients: 1.51 % p.a.
Payment interval: Weekly
Account fee: 0.00 €
- Dutch deposit protection
- no automated tax reporting
Interest income
384.12 €
Ø
1.92 % p.a.
tested by justETF
New clients (4 months): 3.62 % p.a.
Existing clients: 1.35 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- French deposit protection
Interest income
351.39 €
Ø
1.76 % p.a.
tested by justETF
New clients (3 months): 3.52 % p.a.
Existing clients: 1.35 % p.a.
Payment interval: Monthly
Account fee: 0.00 €
- French deposit protection
Interest income
329.29 €
Ø
1.65 % p.a.
tested by justETF
New and existing clients: 1.60 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- also available as a joint or junior account
- maximum investment amount capped at 100,000 €
Interest income
324.52 €
Ø
1.62 % 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: 1.50 % p.a.
Existing clients: 0.75 % p.a.
Payment interval: Quarterly
Account fee: 0.00 €
- 1.75 % p.a. interest rate for new clients when also opening a current account or brokerage account
Interest income
303.97 €
Ø
1.52 % p.a.
tested by justETF
New clients (12 months): 2.25 % 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
303.82 €
Ø
1.52 % p.a.
tested by justETF
New clients (5 months): 3.60 % 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
279.76 €
Ø
1.40 % 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.
popular
tested by justETF
New clients (4 months): 3.20 % p.a.
Existing clients: 0.75 % p.a.
Payment interval: Annually
Account fee: 0.00 €
- also available as a joint or junior account
Interest income
232.84 €
Ø
1.16 % p.a.
tested by justETF
New clients (4 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
227.08 €
Ø
1.14 % 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 €
- Unlimited max. amount
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 clients (3 months): 3.00 % p.a.
Existing clients: -
Payment interval: Monthly
Account fee: 0.00 €
- in-house interest offer is limited to 3 months and 50.000 € (automatic switch to other offers on the Raisin platform is possible)
Interest income
75.19 €
Ø
0.38 % 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 8 September 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.