Savings

Reserves that work harder

Flexible access or a fixed term, daily interest and no fees. Up to 6.50% AER, funded from your Euro account in a few clicks.

Open a savings account Try the calculator

Account types

Choose how you save.

Flex · instant access

Flex Account

4.50%p.a.

Instant access. Interest accrues daily, withdraw any time.

Minimum
100 €
Interest paid
Daily
Open Flex Account
Plus · 6 months

Plus Account

5.90%p.a.

Six-month lock for a higher rate. Interest paid daily.

Minimum
1.000 €
Interest paid
Daily
Open Plus Account
Fixed · 12 months

Fixed 12

4.50%p.a.

Twelve-month fixed term. Rate secured for the whole period.

Minimum
25.000 €
Interest paid
Daily
Open Fixed 12
Fixed · 24 months

Fixed 24

5.90%p.a.

Twenty-four-month fixed term with a boosted rate.

Minimum
50.000 €
Interest paid
Daily
Open Fixed 24
Fixed · 36 monthsBest rate

Fixed 36

6.50%p.a.

Our best rate. Thirty-six-month term for larger reserves.

Minimum
100.000 €
Interest paid
Daily
Open Fixed 36

How it works

Three steps to daily interest.

  1. 1

    Open your account

    Register in minutes and verify your identity once. Your Euro account is ready immediately.

  2. 2

    Fund your savings pot

    Move money from your Euro account into a flexible or fixed-term pot. Name it after your goal.

  3. 3

    Watch it grow

    Interest accrues every day and is credited automatically. Withdraw any time on flexible accounts.

Questions

Savings, explained

Is my money locked?

Only on fixed-term and Plus accounts, for the term shown. Flexible accounts can be withdrawn at any time, instantly, to your Euro account.

When is interest paid?

Interest accrues daily and is credited to the pot automatically, so you earn interest on interest.

Are the rates guaranteed?

Fixed-term rates are locked for the whole term. Flexible rates are variable and may change; we notify you in advance.

Is there a minimum?

Each account type has its own minimum, from 100 € for flexible pots. There are no fees of any kind.

Morgen Fund is presented here as a demonstration. Figures such as investor counts, ratings and awards are illustrative. Investing involves risk, including the possible loss of capital.