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EU ProtectedUpdated 27 February 2026

Cash Interest

by Trade Republic

Interest rate
2%APY
Access
Instant
Protection
€100k
2
% APY
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.

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

You'll need your BSN and valid ID

Quick facts

Provider
Trade Republic
Access time
Instant
Protection
€100k guaranteed
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