Daily interest rates are sprouting: up to 3.0 percent on top offers!

Daily interest rates are sprouting: up to 3.0 percent on top offers!

On April 17, 2025, the European Central Bank (ECB) set the key interest rate at 2.25 percent. This decision has a direct impact on the interest rates that banks offer for their current and fixed-term deposit accounts. Loud chip Banks and savings banks continue to lower their interest rates, while the average interest rate for current account accounts is currently 1.64 percent per year. With a deposit of 10,000 euros, that would be around 27.34 euros in interest in two months.

Nevertheless, there are some attractive offers for investors. The top interest rate of 3.0 percent per annum is offered by both Bank of Scotland and Openbank. The Bank of Scotland is offering this interest rate until June 3, 2025, after which it falls to 1.25 percent. Openbank offers the same interest scheme for a period of three months, followed by 2.4 percent. These still competitive conditions attract savers.

Available interest rates

Other interesting offers include:

• Consorsbank: 2,80 Prozent p.a. für drei Monate, danach 1 Prozent.
• TF Bank: 2,75 Prozent p.a. für drei Monate, danach 1,45 Prozent (Einlage bis 100.000 Euro).
• Bigbank: 2,75 Prozent p.a. für vier Monate, danach 2,30 Prozent (Einlage bis 100.000 Euro).
• Advanzia Bank: 2,70 Prozent p.a. für drei Monate, danach 2,12 Prozent (Mindestanlage 5.000 Euro).
• Suresse Direkt Bank: 2,60 Prozent p.a. für vier Monate, danach 2,2 Prozent.
• Opel Direktbank: 2,55 Prozent p.a. für drei Monate, danach 1,5 Prozent.

These interest rates vary depending on the bank and the specific conditions; it is worth taking a detailed look at them.

Influence of the ECB on interest rates

The ECB's interest rate policy has far-reaching consequences for the financial market and lending. The key interest rate that applies to certain transactions between banks and the ECB also indirectly influences the conditions under which banks borrow money and thus also the interest rates for their customers. When the key interest rate rises, money becomes more expensive, which affects the interest rates on loans and savings products. Conversely, a reduction in interest rates means that banks pay less for savings deposits and can offer loans more cheaply. Customers who open current account accounts can therefore provide the bank with cheaper funds, which further influences interest rate developments. This illustrates how close the connections are between the key interest rates and the interest rates offered by banks Financial tip.

Overall, the market for money market accounts is still characterized by a certain degree of competition, although interest rates have fallen compared to the peak values ​​of the past. Investors should keep an eye on the current interest rate offers and, if necessary, benefit from the best conditions.