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5d ago

Savings Rates Slide to New Lows as ECB Holds Rates Steady

By pausing rate cuts at the neutral level, the ECB has squeezed savers with average yields dipping to just over 1%, prompting banks to roll out selective high-yield deals.

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Overview

  • The ECB halted its easing cycle in June 2025 after cutting the deposit rate to 2.0%, deeming that level neutral for eurozone monetary policy.
  • Average daily money market rates have tumbled to 1.21%, down from a 1.75% peak in March 2024 and marking the steepest five-month drop since records began.
  • Eurozone inflation near target and sluggish growth have pushed real interest rates below zero, eroding returns for savers.
  • Postbank’s ‘Zinssparen’ product still pays 2.25% for new deposits of €2,500 to €100,000 over 12 months but requires a three-month notice before withdrawal.
  • Comdirect and Royal Bank of Scotland are offering up to 3% on short-term savings products while Sparkassen and regional cooperatives now pay under 0.5%.