Savings Account
Bank accounts earning interest on deposits.
Rankings
1. Revolut Savings Vaults
Tiered savings vaults with plan-based APY in a digital bank
Revolut Savings Vaults let you park cash in dedicated vaults and earn interest that depends on your plan. The APY is higher on paid plans (Premium/Metal) and lower on the free tier (Standard). The product is designed for users who want easy, flexible savings alongside Revolut’s multi-currency features, international transfers, and spending tools. Deposits can be moved between your main account and Vaults with daily compounding and monthly interest credit. Vaults support withdrawals at any time, and the service is FDIC-insured through a partner bank (Cross River Bank) up to the standard $250,000 per depositor. The product integrates with Revolut’s broader ecosystem, enabling quick transfers, budgeting, and group vaults. Availability and rates vary by region and plan, making it ideal for global travelers and expats who already rely on Revolut for day-to-day banking and currency exchange.
Rated 4.5
2. N26 Instant Savings
ECB-linked interest on Instant Savings for Metal subscribers
N26 Instant Savings offers an ECB-linked interest rate applied to funds parked in an Instant Savings account. New Metal customers signing up from February 19, 2025 onwards can benefit from ECB-linked rates (the rate changes with ECB moves). Existing customers see rates tied to their plan (Standard/Smart, Go, Metal) with adjustments over time. The product is designed for EU residents who want flexible access to savings without locking funds, while still enjoying N26’s broader banking features (multi-currency accounts, free card usage abroad, and digital-first experience). Eligibility is tied to N26 metal membership and German/EU regulatory frameworks. Interest is paid monthly and is insured under German deposit protection up to €100,000. As part of the EU regulatory landscape, rate changes are communicated to customers as ECB decisions unfold.
Rated 4.3
3. bunq MassInterest
MassInterest with multi-currency savings across EU and USD accounts
bunq MassInterest is a multi-currency savings feature that pays interest on Euro accounts (base 1.51% with a biannual 2.01% bonus) and offers USD/GBP savings with competitive rates. Thresholds are recalculated biannually, and interest is paid weekly. The system also supports foreign currency savings with attractive rates in currencies such as USD, GBP, and others via CurrencyCloud infrastructure in some regions. Euro deposits enjoy deposit protection under the EU scheme up to €100,000. This product is ideal for savers who want multi-currency flexibility, frequent payouts, and a highly automated savings experience within bunq’s banking ecosystem.
Rated 4.4
4. Openbank High Yield Savings
FDIC-insured HYSA for US customers via Openbank (Santander)
Openbank High Yield Savings is a U.S. HYSA offered by Openbank, the digital banking arm backed by Santander. It markets a high APY substantially above the national average and requires a minimum opening deposit of $500. The account is designed for liquidity with no monthly fees and FDIC insurance through Santander Bank, N.A. (deposits are combined for FDIC coverage). The product is part of Openbank’s U.S. expansion, which is supported by Santander’s technology platform and deposit base, and it targets consumers seeking a high-yield, low-friction savings option with robust digital access. Rates are dynamic and vary by ZIP code/state.
Rated 4.6
5. Monzo Savings Jars (US via Sutton Bank/Lead Bank)
Monzo Savings Jars in the US with 2% and higher APYs for Pro
Monzo’s Savings Jars in the US let you earmark funds toward goals with transparent yields. Everyday jars earn around 2.00% APY, while higher-yield Pro subscriptions offer tiered rates (3.75% APY or more, depending on plan). Funds are FDIC-insured through Sutton Bank or Lead Bank and can be allocated to multiple Jars with individual goals. The system supports automatic deposits and “round-ups” from linked accounts, making it easy to automate savings. While the product is US-focused via Sutton/Lead banks, Monzo also operates across the UK and Europe, giving it global brand recognition and a strong digital experience.
Rated 4.3
6. Axos Summit Savings
Axos Summit Savings: top online savings with no fees
Axos Summit Savings is an online-only high-yield savings option designed for convenience and simplicity. The account carries no monthly maintenance fees and no minimum balance to open, with an APY around 0.61% (varies with rates). It is FDIC insured up to $250,000 per depositor and can be managed entirely online via Axos’s app and website. The product appeals to savers who want a straightforward, fee-free place to park money with quick transfers between Axos accounts. While AXOS is a US-based bank, it has a broad online footprint and robust customer support, making it a solid option for US-based savers seeking high yields without complexity.
Rated 4.4
7. SoFi Bank Savings
SoFi Bank Savings with promotional APY and integrated SoFi ecosystem
SoFi Bank offers a bundled Checking and Savings experience with competitive promotional APYs. As of 2025, SoFi runs limited-time promos that boost savings APYs (up to about 4.30% for a defined period with eligible direct deposits). After the promo, the baseline APY sits around 1.00% and is subject to change. SoFi’s savings are FDIC insured through SoFi Bank, N.A., and the product is tightly integrated with SoFi’s broader platform (checking, crypto, and loans), making it attractive to existing SoFi members seeking an all-in-one financial app. Direct deposits, ease of use, and automatic transfers round out the value proposition, though users should watch for promo expiration and potential subscription requirements for enhanced yields.
Rated 4.0
8. LendingClub LevelUp Savings
LendingClub LevelUp Savings: boosted APY with monthly deposits
LendingClub LevelUp Savings is a high-yield savings option that rewards consistent monthly deposits with a boosted APY. The LevelUp Rate currently offers 4.00% APY when you deposit at least $250 in a statement cycle; otherwise, you earn the Standard Rate (3.00–3.50% APY depending on tier and balance). The product is FDIC-insured via LendingClub Bank and can be opened with no minimum balance. It’s designed for savers who can commit to a monthly contribution, enabling a strong return while offering the simplicity of an online bank. The LevelUp structure includes automatic eligibility for the top rate during the first two statement cycles as you set up deposits, with ongoing adjustments based on monthly contributions.
Rated 4.3
9. Newtek Bank
Newtek Bank Personal High Yield Savings
Newtek Bank, N.A. is a technology-driven digital bank that offers a personal high-yield savings option with a very competitive APY (4.35% as a showcased rate on its HYSA). There are no monthly charges, and deposits are FDIC insured up to the standard $250,000 per depositor. Newtek Bank focuses on a frictionless digital experience for individuals, with a strong emphasis on transparency and security. The bank is part of NewtekOne, a public company, and has been expanding its deposit base since acquisition in 2023, with a growing national footprint alongside its business banking services.
Rated 4.4
10. First Foundation Online Savings
First Foundation Online Savings with competitive APY
First Foundation Online Savings is a modern digital savings account offered by a diversified financial group with a focus on convenience and strong customer service. The product features a competitive APY (accurate as of mid-December 2025), with no ongoing monthly fees and a relatively accessible minimum opening balance of $1,000. The account is FDIC insured through First Foundation Bank, and it is integrated into the broader First Foundation suite (wealth management, trust services, and advisory). The offering targets savers who want an online-first experience with straightforward terms and clear deposit protection, backed by a well-established regional bank with multiple branches and digital capabilities.
Rated 4.5