Fixed-Term Deposit Comparison
Compare fixed-term deposit offers across Europe for May 2026. The current market view points to around 3.00% for 12 months and up to 3.20% for 24 to 60 months.Built for expats and international investors in the DACH region
May 2026 rate note
The ECB left its rates unchanged on 30 April 2026. That keeps fixed-term deposits attractive, especially for readers who want predictable yield instead of temporary promotional call money rates.
What matters most right now
The highest headline rate is not always the best choice. For many savers, 12 or 24 months offer the cleanest mix of yield, flexibility, and practical account-opening requirements.
That is especially relevant for expats, who often care as much about account eligibility, onboarding language, and deposit protection as about the final 0.10% of yield.
Fixed-Term Deposits for Expats and International Investors
- Strong deposit protection under local statutory schemes
- Direct banks often offer the best rates and easiest online onboarding
- Requirements usually include passport, proof of address, and sometimes a tax ID
- The best lead path is usually: learn the rate picture, then narrow down offers with the quiz
Ready to filter the best offers?
Use the quiz to narrow down offers by maturity, budget, and protection context.
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