YieldMeisterEurope · Brokers & neobanks
How much interest do brokers and neobanks pay on cash?
The rate each platform pays on uninvested euro cash, read from its own page every day and set against the ECB deposit facility rate (2.50%). Updated 2026-10-07. Affiliate-free, so the order is by rate alone.
| Platform | Rate (p.a.) | Verified |
|---|---|---|
Easy Savings |
3.01% | live 2026-10-11 |
Scalable Overnight (cash) |
2.60% | live 2026-10-11 |
Cash interest |
2.50% | live 2026-10-11 |
Instant Savings |
1.50% | live 2026-10-11 |
Interest (EUR) |
1.20% | live 2026-10-11 |
Protection differs: cash at a bank (N26, bunq) falls under that bank's deposit-guarantee scheme up to €100,000; broker cash may sit in client-money accounts at partner banks or in money-market funds (Lightyear), which are not deposits. Wise's figure is gross, before its annual fee.
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Questions
What interest does bunq pay on cash?
bunq pays 3.01% a year on euro cash (Easy Savings; Easy access), as verified by YieldMeister on 2026-10-11 from bunq's own page. That is 0.51 percentage points above the ECB deposit facility rate of 2.50%.
What interest does Scalable Capital pay on cash?
Scalable Capital pays 2.60% a year on euro cash (Scalable Overnight (cash); Tiered by subscription plan), as verified by YieldMeister on 2026-10-11 from Scalable Capital's own page. That is 0.10 percentage points above the ECB deposit facility rate of 2.50%.
What interest does Trade Republic pay on cash?
Trade Republic pays 2.50% a year on euro cash (Cash interest; On uninvested cash, up to €50k), as verified by YieldMeister on 2026-10-11 from Trade Republic's own page. That matches the ECB deposit facility rate of 2.50%.
What interest does N26 pay on cash?
N26 pays 1.50% a year on euro cash (Instant Savings; Instant access), as verified by YieldMeister on 2026-10-11 from N26's own page. That is 1.00 percentage points below the ECB deposit facility rate of 2.50%.
What interest does Wise pay on cash?
Wise pays 1.20% a year on euro cash (Interest (EUR); Gross rate; 0.26% annual fee applies), as verified by YieldMeister on 2026-10-11 from Wise's own page. That is 1.30 percentage points below the ECB deposit facility rate of 2.50%.
Why do broker cash rates follow the ECB?
Brokers and neobanks park client cash with banks, in money-market funds or at central banks, and pass on part of what that earns. That return is set by the ECB deposit facility rate (2.50% today), so when the ECB cuts or raises, these rates usually follow within days.
See also: all easy-access savings rates · term deposits · German government bond yields · rates API