Personal Accounts
Find the right account to fit your financial goals - with no hidden fees and always deposit protected.
Choose the Account That Works for You
All Refund Guides accounts come with free online banking, a mobile app, and 24/7 customer support - no matter which account you choose.
Free Current Account
The simplest, most flexible way to manage your everyday money with zero fees and zero stress.
- No minimum balance required
- Free Visa debit card included
- Unlimited transactions
- Mobile & online banking
- Free mobile check deposit
- Overdraft protection available
- 60,000+ fee-free ATMs
High-Yield Savings
Earn one of the highest savings rates in the industry with no monthly fees and easy online access.
- Competitive 4.50% AER
- No monthly maintenance fees
- EUR 100 minimum to open
- Deposit protected up to EUR 100,000
- Instant online transfers
- Automatic savings tools
Money Market
Higher yields on larger balances plus the flexibility to write checks - the best of both worlds.
- 4.75% AER with tiered rates
- Check-writing privileges
- EUR 2,500 minimum balance
- Deposit protected up to EUR 100,000
- Up to 6 free withdrawals/month
- Dedicated relationship manager
Certificate of Deposit
Lock in a guaranteed rate for a fixed term. The safest way to grow your savings with zero market risk.
- Guaranteed 5.00% AER (12 months)
- Terms from 3 to 60 months
- EUR 500 minimum deposit
- Deposit protected up to EUR 100,000
- Auto-renewal option
- Early withdrawal options available
Why Refund Guides
Every Account Comes With Our Commitment to You
No matter which Refund Guides account you choose, you get the full power of our digital banking platform, dedicated customer support, and the security of a 70-year institution.
Every euro protected up to EUR 100,000 per depositor.
Transparent pricing with no hidden fees, ever.
Full-featured mobile app and online portal at no cost.
