Trade Republic
Cash Interest
Interest rate
2%APY
Access
Instant
Protection
€100k
Affiliate link — we may earn a commission. Details
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: 29 July 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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