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 April 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
Quick facts
Provider
Trade Republic
Access time
Instant
Protection
€100k guaranteed