Overview
- Suresse Direkt Bank leads a fresh comparison with an effective annual yield of about 2.3%, based on a 3.00% rate for four months then 1.95%, protected by Spain’s deposit guarantee up to €100,000.
- Renault Bank’s offer yields roughly 2.1% over a year for balances up to €250,000, combining a 3% rate for three months with lower ongoing rates, covered by France’s €100,000 guarantee.
- Trade Republic pays the current ECB deposit rate — reported as 2% — to both new and existing customers, resulting in an effective annual rate near 2%, with coverage up to €100,000 via its partner banks’ national schemes.
- A new index cited by DerWesten reports the top five Tagesgeld rates averaged 3.02% in November, and its authors expect savings rates to remain stable into spring with no ECB hike anticipated in December.
- Consumer advisers stress that Tagesgeld is chiefly a liquidity reserve, urge checks of the applicable national deposit‑guarantee scheme within the EU minimum of €100,000, and recommend spreading larger sums across banks.