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EU ProtectedUpdated 12 June 2026

Trade Republic

Cash Interest

Interest rate
2%APY
Access
Instant
Protection
€100k

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Best for:High InterestNo FeesDigital
EU Deposit Guarantee
Protected up to €100,000

German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.

Rates last verified: 12 June 2026

The verdict

What we like

  • 2.00% interest (matches ECB rate)
  • No account fees
  • Dutch IBAN available
  • Monthly interest payments

What to consider

  • Primarily an investment platform
  • German bank (not Dutch)
  • Rate follows ECB (will drop when ECB cuts)
  • Less established than traditional banks

Account details

Standard interest rate2% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
2%
annual interest

Affiliate link — we may earn a commission. Details

You'll need your BSN and valid ID

Quick facts

Provider
Trade Republic
Access time
Instant
Protection
€100k guaranteed
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