Where the best savings interest rates are currently waving
Inflation is on the rear march, the European Central Bank (ECB) lowers the key interest rates – and the savings interest? They have also decreased since then. The magazine “Stiftung Warentest Finance” (7/2025) has determined how much there are on daily and fixed deposits in its monthly interest comparison. Anyone who scans the offers a little before the end can get a lot more out for themselves and their money.
In the case of comparison at the time of comparison, at the beginning of June, a maximum of 2.25 percent interest per year could expect at the beginning of June. This is available from the Swedish Klarna Bank and the French Carrefour Banque. At least 2.21 percent are also available from the French Distingo Bank and 2.20 percent from the Dutch Yapi Kredi Bank. For comparison: Before the start of interest in June 2024, the best offer was 4.0 percent according to Stiftung Warentest.
Fixed deposits offer slightly more interest
If you are not dependent on getting to your money every day, you can secure a somewhat more attractive interest rate for the fixed deposit invested than with the overnight money. The best offers are also available from Klarna Bank for one to four years of term. Here are between 2.67 and 2.74 percent – depending on the investment period.
Klarna Bank does not offer a five -year fixed deposit. If you can and would like to do without your money for so long, with 2.80 percent, it is best to save the Czech J&T direct bank and 2.77 percent with the Swedish Holst saving. However, a minimum amount of 5,000 euros is planned for the Czechs, at least 1,000 euros for the Swedes. There are no these requirements at Klarna Bank.
In its monthly interest comparison, the magazine “Stiftung Warentest Finance” only takes into account banks from EU countries, the European Economic Area and Great Britain, provided that their countries of origin of the three most important rating agencies have a top rating for their economic strength. Only the deposit locks of these countries consider the testers to be so stable that investors can be compensated promptly to a larger banking bank.
