Current Rates
Competitive rates updated daily. All rates are effective as of November 9, 2026. AER = Annual Equivalent Rate. APR = Annual Percentage Rate.
Our Most Competitive Rates
Refund Guides consistently ranks among the highest-yielding institutions for deposit accounts and the most competitive for loans.
High-Yield Savings
4.50%
AER - No monthly fee - EUR 100 min
Money Market
4.75%
AER - EUR 2,500 minimum balance
12-Month CD
5.00%
AER - Guaranteed - EUR 500 min
Auto Loan
5.49%
APR from - New vehicles - Up to 72 mo
Deposit & Savings Rates
| Product | AER | Minimum to Open | Term | Monthly Fee |
|---|---|---|---|---|
| Free Current Account | 0.01% | EUR 0 | None | EUR 0 |
| High-Yield Savings | 4.50% AER | EUR 100 | None | EUR 0 |
| Money Market Account | 4.75% AER | EUR 2,500 | None | EUR 0 (w/ min. balance) |
| CD - 3 Month | 4.60% AER | EUR 500 | 90 days | N/A |
| CD - 6 Month | 4.80% AER | EUR 500 | 180 days | N/A |
| CD - 12 Month | 5.00% AER | EUR 500 | 365 days | N/A |
| CD - 24 Month | 4.90% AER | EUR 500 | 730 days | N/A |
| CD - 60 Month | 4.70% AER | EUR 500 | 5 years | N/A |
AER = Annual Equivalent Rate. Rates accurate as of November 9, 2026 and subject to change without notice. Deposit protected up to EUR 100,000 per depositor.
Loan & Mortgage Rates
| Loan Type | APR Starting From | Max Term | Loan Amount |
|---|---|---|---|
| Personal Loan | 7.99% APR | 84 months | EUR 500 - EUR 50,000 |
| Auto Loan - New Vehicle | 5.49% APR | 72 months | From EUR 5,000 |
| Auto Loan - Used Vehicle | 6.49% APR | 60 months | From EUR 3,000 |
| 30-Year Fixed Mortgage | 6.75% APR | 360 months | From EUR 50,000 |
| 15-Year Fixed Mortgage | 6.25% APR | 180 months | From EUR 50,000 |
| Student Loan | 5.75% APR | 120 months | From EUR 1,000 |
| Business Loan | 8.50% APR | 120 months | EUR 5,000 - EUR 5,000,000 |
| HELOC | Variable | 10-yr draw / 20-yr repay | Up to 85% LTV |
APR = Annual Percentage Rate. Rates shown are the lowest available and depend on credit score, loan-to-value ratio, term, and other qualifying factors. Your actual rate may differ. Subject to credit approval.
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