81 banks in 19 countries. The figure on each tile is what you get for doing nothing — no subscription, no minimum turnover, no promo period. 46 banks advertise a higher one; where they do, we show what it costs.
12 %with no conditions attached
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
What a higher rate takes
12 %spending from ₽10,000/mo
12.5 %payroll client (any spending)
16.5 %first 2 months, first account only
We haven't collected this bank's term deposits yet.
1 %back on any purchase
Paid in points inside the bank's own ecosystem.
Balance cap. No more than 5 000 ₽ of cashback per month.
This isn't money. Points can only be spent inside the bank's own ecosystem.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
What a higher rate takes
13 %первые два календарных месяца, начисление на ежедневный остаток
The advertised rate requires: первые два календарных месяца и только новым сберегателям — нужно, чтобы 90 дней до открытия не было вкладов и накопительных счетов в ГПБ от 100 ₽; надбавка действует на сумму до 10 млн ₽, выше — базовая ставка
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
What a higher rate takes
14.2 %максимум со всеми надбавками
The advertised rate requires: Повышенная ставка действует только на первый миллион, и банк пишет это прямо: «Повышенная ставка начисляется на сумму до 1 млн ₽. Если сумма больше, на разницу между 1 млн ₽ и фактической суммой начисляется базовая ставка – 6% годовых». Сами 14,2% собираются из надбавок: +2% за зарплату или пенсию на карту ВТБ, +2% за подписку «ВТБ Плюс», +1,5% за действия в программе «Расти с ВТБ» в прошлом месяце, +0,3% клиентам «ВТБ Привилегия».
We haven't collected this bank's term deposits yet.
—back on any purchase
In chosen categories — up to 15 %. Paid in roubles.
Balance cap. No more than 3 000 ₽ of cashback per month.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 4.20% is made up of a 3.30% base plus +0.25% for direct salary deposit and +0.65% as a three-month boost for new clients.
The bank's own wording: «Your cash earns a base 3.30% APY and higher!»
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Надбавка «円リッチプログラム», которую надо заслуживать заново каждый месяц. Банк пишет: «上乗せ金利は、それぞれの条件について毎月確認を行い、適用条件を満たしたお客さまに上乗せ金利1ヶ月分の税引後利息を入金します» — условия проверяются ежемесячно, и надбавку за месяц получает только тот, кто в этом месяце их выполнил. Не выполнил — остаётся базовая ставка. Отдельно стоит помнить, что все ставки указаны ДО налога, а налог на проценты в Японии банк называет сам: 20,315%.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Money Bridge requires linking a Rakuten Securities brokerage account. That is an investment condition, so under our method it does not count towards the realistic rate. It applies to balances up to ¥10M; above that, 0.42%.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Это ставка «貯蓄預金» (сберегательный вклад), и она растёт ступенями по остатку: до ¥100 тыс — 0,400%, дальше 0,410%, 0,420%, 0,430%, 0,440%, и с ¥3 млн — 0,450%. Выше эта ставка уже не поднимается: и на ¥3 млн, и на ¥10 млн одинаковые 0,450%. У обычного расчётного счёта «普通預金» — ровно 0,400%. Все ставки до налога, который банк называет сам: 20,315%.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Верх диапазона по «ЕКО-депозиту», а не ставка для всех: банк публикует вилку «від 12,0% до 14,0% в грн», и 14% — это длинный срок с выплатой процентов В КОНЦЕ срока. Вариант с ежемесячной выплатой идёт ниже — «від 12,45% до 13,45%».
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Банк расписывает разницу сам, дословно: 7% годовых — это ставка «без урахування програми лояльності» на 30 дней от 500 грн, а 13% — «з урахуванням програми лояльності» на сроки 93, 184, 274, 367 и 548 дней. То есть верхняя цифра требует и длинного срока, и участия в программе лояльности. Обе ставки указаны ДО налогообложения — на депозиты в Украине удерживается налог.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Базовая ставка плюс бонус за оформление в приложении: банк даёт «бонус до базової ставки 0,50%–1,00% у грн» при открытии депозита в Sense SuperApp, минимальный срок 3 месяца. Важная оговорка их же словами: ставка с бонусом «діє на період дії відкритого депозиту і не розповсюджується на його пролонгацію», — то есть при продлении надбавка не сохраняется.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Ставка не текущего счёта, а срочного вклада bluDeposit, и это потолок вилки: банк пишет «suku bunga hingga 4,75% p.a» — «до 4,75%» по разным срокам и типам (Non-ARO, ARO, ARO+). Показательно, что собственный калькулятор на той же странице считает доход по 3,5%. Открыть можно от 1 млн рупий.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: requires a Santander Edge or Edge Explorer current account; the 6% applies to balances up to £4,000, and 2.5 percentage points of it is a bonus for the first 12 months
Balance cap. Interest is paid on up to 4000; anything above earns nothing.
The bank's own wording: «6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.50% AER / 2.47% gross (variable) bonus rate for the first 12 months from opening)»
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Бонус на первый год, и банк говорит это прямым текстом: «Includes a bonus rate of 0.49% gross fixed for the first 12 months». В их же таблице две колонки — «interest rate without bonus (underlying interest rate) 3.24% AER» и «with bonus 3.75% AER». Что будет потом, там тоже написано: «only the underlying interest rate of 3.24% AER is paid for months 13 to 24». Ставка переменная, банк вправе её менять.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 4.00% AER is an introductory rate that includes a fixed 1.50% AER bonus for the first 12 months; after that it drops to the 2.50% base.
The bank's own wording: «Underlying standard rate 2.50% AER (2.46% gross) variable»
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 1.75% only if you open a Girokonto at the same time (plus a bonus of up to €100); 1.5% is a promotional rate for new clients.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 3.20% only on a first Extra-Konto and only for 4 months; 3.75% if opened together with a Girokonto (promo until 30.09.2026, plus €200).
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Это не ставка накопительного счёта, а срочный депозит и только на новые деньги: «Place a Time Deposit with New Funds to enjoy the following competitive interest rates». 3,7% годовых дают в ДОЛЛАРАХ на сроках от 6 месяцев; на месяц — 3,35%, на три — 3,6%. В гонконгских долларах ставки заметно ниже: 2,55% на три месяца.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 18% requires either in-app gamified tasks, or a promo, or a foreign-currency deposit with FX risk; with no conditions it is only 0.5%.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 3,01% начисляют ТОЛЬКО на сумму сверх личного порога, а порог = максимальный остаток за последние 6 месяцев. Если баланс не растёт, через полгода порог пересчитывается и вся сумма съезжает на 1,51%.
Deposit insurance. DGS до €100 000
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Это не повышенная ставка, а средняя ступень лестницы по остатку, и верхняя ступень — ноль. В таблице банка: от €0 до €500 000 — 1,25%, от €500 000 до €1 000 000 — 1,45%, а от €1 000 000 — 0,00%. То есть 1,45% достаётся только куску между полумиллионом и миллионом, а на всё, что выше миллиона, проценты не начисляются вовсе.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Ставка Special Jars, и она требует трат: банк пишет «Unlock Special Jars to start earning 3.3% p.a. daily interest! Just spend with our eligible partners». Без этого доступны 2,5% на обычном счёте и 3% на Savings Jars.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Не ставка на остаток, а награда за то, что вы не трогали деньги. FAQ банка дословно: «You get 3.18% p.a. for the 3-month tenure, or 3.70% p.a. for the 6-month tenure. This is inclusive of the 2.00% p.a. base rate», — то есть 3,70% дают за Bonus Pocket, закрытый на шесть месяцев, и внутри этой цифры уже сидит базовые 2%. Надбавка считается только на остаток до RM 50 000. Отдельно стоит заметить, что на той же странице крупно обещано «Higher Interest, ZERO Lock-Ins» и «Withdraw anytime», а шагом ниже — «Commit to the full tenure»: снять деньги можно, но бонус тогда теряется.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: Ставка не для всех: 0,825% — это «愛心/樂齡活期儲蓄存款», сберегательный счёт для пожилых и благотворительных организаций, и он ограничен суммой 3 млн NT$. Обычный сберегательный счёт в той же таблице банка идёт под 0,695%, депозит до востребования — 0,635%, а счёт при брокерском — вовсе 0,005%. Отдельно: сама таблица помечена «更新日期: 2024/04/11», то есть банк не обновлял её с апреля 2024 года.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 1.50% is a first-month promo; extending it requires buying into a mutual fund. Under our method, buying an investment product does not count towards the realistic rate.
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: requires an Orange Everyday account, monthly top-ups to the Savings Maximiser, card purchases and a growing balance; the rate applies to one account only and only up to $100,000
The bank's own wording: «The standard variable rate is 0.01% p.a.»
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
What a higher rate takes
27 %balance ₺0–150,000
29 %₺0–150,000 with 'Ayın Enparalısı' status
32.5 %balance ₺150,000–750,000
34 %balance ₺750,000–1,500,000
35 %balance above ₺1,500,000
The advertised rate requires: 37% is the top tier: a balance above ₺1,500,000 AND 'Ayın Enparalısı' (client of the month) status. An ordinary saver with up to ₺150,000 gets 27%.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
Vadeli mevduat30 %
32 days
balance up to ₺150,000; larger balances earn more — up to 37%
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 5% a year only for the first 4 months, only on a first Livret + and only up to €100,000; promo runs 24.08–30.09.2026.
The bank's own wording: «à l'issue de la période de bonification, les versements nets seront rémunérés au taux d'intérêt annuel de base brut de 1,60 %»
We haven't collected this bank's term deposits yet.
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
What a higher rate takes
0.05 %Celowe Konto Oszczędnościowe
2 %Konto Oszczędnościowe Premium
3.75 %IKE retirement account
4 %VeloSkarbonka — the rate is stated without an 'up to' caveat
The advertised rate requires: Two products promise 6%, both with strings attached: Elastyczne Konto Oszczędnościowe advertises 'up to 6%', while VeloLokata dla Aktywnych is for new clients only, requiring inflows to a current account AND marketing consent.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
VeloLokata dla Aktywnych6 %
new clients only; account inflows and marketing consent required
The money stays free — withdraw and top up whenever you like, interest doesn't burn.
The advertised rate requires: 6.5% comes only from 'Duet idealny' — a deposit bundled with buying investment fund units; on its own the rate does not exist.
The money is locked for a term: withdraw early and the interest is recalculated to almost nothing. In exchange the rate is fixed for the whole term.
Duet idealny6.5 %
only bundled with an investment sub-fund — part of the money goes into the market
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.
Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.
Yield
