Freedom24 is an EU stockbroker that allows investors to directly access the stock markets of USA and Europe under transparent and affordable conditions. In addition to real stocks, ETFs and bonds ownership, the broker offers options and futures trading. With Freedom24, European investors can also access most major Asian stock exchanges, including Hong Kong and Kazakhstan markets. 

Freedom24 2025 Review: more than a million investment opportunities in your pocket

Saving money is great, but if it just sits in your account, inflation eats away at its value. Investing in bonds is one way to put your money to work while keeping risk low. Popular investment options include bank deposits, stocks, cryptocurrency, and bonds. Today, we’ll explain what bonds are, how they work, and their advantages and disadvantages.

Bonds: What Are They and How Do They Work?

<a target="_blank" rel="noopener noreferrer" href="https://lp.freedom24.com/en/welcome?utm_source=2584&amp;utm_medium=affiliates&amp;utm_campaign=mc_inaff_1499&amp;utm_term=2584&amp;s_id=enwelcome">Freedom24</a> is a European brokerage firm and a part of Freedom Holding Corp., a NASDAQ-listed global financial conglomerate. Established in 2013, it is the largest stockbroker regulated by CySEC (license No. CIF275/15). With over 532,000 customer accounts and total client assets of $8.5 billion as of June 30, 2024, Freedom24 provides access to 15 global exchanges and offers over 1 million financial instruments, including stocks, bonds, ETFs, and U.S. stock options.Freedom24 is committed to maintaining the highest industry compliance standards, boasting Euroclear membership and a B/B rating from S&amp;P with a positive outlook. With offices in key European cities such as Berlin, Paris, Milan, and Vienna, the company's presence highlights its reliability and global reach.One of Freedom24’s most attractive offerings is its Savings Plans, which offer competitive interest rates, making them some of the highest-yielding options in Europe. Additionally, Freedom24 provides a savings account with daily interest accrual, delivering solid annual returns in EUR and USD.Clients of Freedom24 also gain access to a free investment academy and weekly investment ideas from the company’s award-winning analysts. New clients can receive up to 20 gift stocks when funding their accounts.Investing with Freedom24 is highly secure, as the company adheres to MiFID II standards, undergoes audits by the Big Four auditor Deloitte, and offers insurance coverage for client funds up to €20,000.Discover the benefits of Freedom24's investment options and begin your journey to financial security <a target="_blank" rel="noopener noreferrer" href="https://lp.freedom24.com/en/welcome?utm_source=2584&amp;utm_medium=affiliates&amp;utm_campaign=mc_inaff_1499&amp;utm_term=2584&amp;s_id=enwelcome">here</a>.

Discover how Freedom24, a leading European brokerage firm regulated by CySEC, offers access to global markets and over 1 million financial instruments, including stocks, bonds, ETFs, and U.S. stock options. Enjoy competitive interest rates while benefiting from the security and expertise of a trusted, NASDAQ-listed broker.

Why You Should Consider an Investment Plan with Freedom24

Best Business Accounts in Spain (November 2024)<ol><li><a target="_blank" rel="noopener noreferrer">Revolut Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.51% EUR</td><td>Free for most plans</td><td>Multi-currency with great exchange rates</td><td>Freelancers, SMEs, large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Basic Plan) to custom pricing for the Enterprise Plan.&nbsp;Interest Rate: Up to 3.51% EUR (Enterprise Plan).&nbsp;SEPA Payment Price: Free for most plans, subject to limits. Additional charges may apply.&nbsp;Great For: Freelancers, SMEs, and large corporations that need multi-currency accounts and low-cost international transactions.&nbsp;But Be Aware That: Some users report occasional delays in customer support. Higher transfer limits only available on paid plans.&nbsp;Available In: Netherlands, European Economic Area (EEA), United Kingdom, Switzerland, Australia, Canada, Japan, Singapore, United States.</li></ol><hr>&nbsp;<ol start="2"><li>Airwallex Business&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for local payments</td><td>Multi-currency available</td><td>International businesses and global payments</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Explore Plan) to €999/month for the Accelerate Plan.&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not available.&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for local transfers, additional charges for SWIFT payments.&nbsp;Great For: Businesses with international operations needing multi-currency accounts and competitive foreign exchange rates.&nbsp;But Be Aware That: Airwallex does not provide interest on account balances. May face challenges during the account approval process.&nbsp;Available In: Netherlands, Australia, United Kingdom, United States, and more.</li></ol><hr>&nbsp;<ol start="3"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C5178120878T">Vivid Money Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.5%</td><td>Free for limited transfers, additional fee for extra transfers</td><td>Multi-currency supported</td><td>Freelancers, SMEs, cashback enthusiasts</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Free Start Plan) to €249/month (Enterprise+ Plan).&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Up to 3.5% annual interest (available on specific plans or balances).&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a limited number of transfers per month, additional charges of €0.20 per transaction.&nbsp;Great For: Freelancers and businesses seeking digital banking solutions with cashback on purchases.&nbsp;But Be Aware That: Higher cashback rates and increased transfer limits only available on premium plans.&nbsp;Available In: Germany, France, Spain, Italy.</li></ol><hr>&nbsp;<ol start="4"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C433698492T">Finom Business</a>&nbsp;Features Table:<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:19.26%;"><col style="width:24.12%;"><col style="width:28.48%;"><col style="width:28.14%;"></colgroup><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for limited transfers</td><td>Available for most EU countries</td><td>SMEs and large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Solo Plan) to €249/month (Enterprise Plan).&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not offered.&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a limited number of outgoing transfers per month; additional transfers incur a fee.&nbsp;Great For: SMEs and large corporations seeking integrated invoicing, expense management, and accounting software.&nbsp;But Be Aware That: No interest-bearing savings accounts available. Some advanced features are only available on premium plans.&nbsp;Available In: Netherlands, Belgium, France, Germany, and more.</li></ol><hr>&nbsp;<ol start="5"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C276650850T">Qonto Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for a set number of transfers</td><td>EUR-only</td><td>Startups, freelancers, SMEs</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €9 (Basic Plan) to €249 (Enterprise Plan).&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not offered.&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a set number of outgoing SEPA transfers, additional transfers at €0.40 each.&nbsp;Great For: Startups, freelancers, and SMEs needing a digital banking solution with multi-user access and expense management tools.&nbsp;But Be Aware That: Higher-tier plans required for some of the advanced features.&nbsp;Available In: Netherlands, France, Germany, Italy, Spain, Austria, and Portugal.</li></ol><hr>&nbsp;<ol start="6"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C4530103474T">MultiPass Business Account</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Incoming SEPA payments at €2 each, outgoing from 0.10% of transaction amount (min. €10)</td><td>Multi-currency supporting 70+ currencies</td><td>International trade and global businesses</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From £100, with fees varying based on the selected plan and services.&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: MultiPass does not currently offer interest-bearing savings accounts.&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Incoming SEPA payments are charged at €2 per transaction; outgoing SEPA payments start from 0.10% of the transaction amount, with a minimum fee of €10.&nbsp;Great For: Businesses engaged in international trade seeking multi-currency accounts, competitive foreign exchange rates, and the ability to hold, receive, convert, and send over 70 currencies across 200 countries and regions using a single account.&nbsp;But Be Aware That: MultiPass requires a minimum balance equivalent to three monthly fees. Failure to meet this minimum balance incurs a monthly charge of €100. Additionally, there is an account opening fee starting from €500.&nbsp;Available In: Netherlands, United Kingdom, United States, Australia, Austria, Belgium, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, and Sweden.</li></ol><hr>&nbsp;ConclusionChoosing the right business account in Spain in November 2024 depends on your business needs. Whether you prioritize low fees, high interest rates, or advanced international payment solutions, there is an option available for every business type. Compare the plans carefully to find the one that best fits your goals.This comparison is based on available information for November 2024. Prices and features may change over time, so always check with the provider for the most current details.<hr>

Compare the best business accounts available in Spain in November 2024, including fees, interest rates, and available features for businesses of all sizes.

Best Business Accounts for Spain in November 2024

Best Business Accounts in Germany (November 2024)<ol><li><a target="_blank" rel="noopener noreferrer" href="https://business.revolut.com/signup?promo=b2b-ref-015-H3-ULB&amp;ext=984c406d-0443-4ecb-8df1-8194f4bf779c&amp;context=B2B_REFERRAL">Revolut Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.51% EUR</td><td>Free for most plans</td><td>Multi-currency with great exchange rates</td><td>Freelancers, SMEs, large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Basic Plan) to custom pricing for the Enterprise Plan.&nbsp;Interest Rate: Up to 3.51% EUR (Enterprise Plan).&nbsp;SEPA Payment Price: Free for most plans, subject to limits. Additional charges may apply.&nbsp;Great For: Freelancers, SMEs, and large corporations that need multi-currency accounts and low-cost international transactions.&nbsp;But Be Aware That: Some users report occasional delays in customer support. Higher transfer limits only available on paid plans.&nbsp;Available In: Netherlands, European Economic Area (EEA), United Kingdom, Switzerland, Australia, Canada, Japan, Singapore, United States.</li></ol><hr>&nbsp;<ol start="2"><li>Airwallex Business&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for local payments</td><td>Multi-currency available</td><td>International businesses and global payments</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Explore Plan) to €999/month for the Accelerate Plan. &nbsp;Interest Rate: Not available. &nbsp;SEPA Payment Price: Free for local transfers, additional charges for SWIFT payments.&nbsp;Great For: Businesses with international operations needing multi-currency accounts and competitive foreign exchange rates.&nbsp;But Be Aware That: Airwallex does not provide interest on account balances. May face challenges during the account approval process.&nbsp;Available In: Netherlands, Australia, United Kingdom, United States, and more.</li></ol><hr>&nbsp;<ol start="3"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C5178120878T">Vivid Money Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.5%</td><td>Free for limited transfers, additional fee for extra transfers</td><td>Multi-currency supported</td><td>Freelancers, SMEs, cashback enthusiasts</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Free Start Plan) to €249/month (Enterprise+ Plan). &nbsp;Interest Rate: Up to 3.5% annual interest (available on specific plans or balances). &nbsp;SEPA Payment Price: Free for a limited number of transfers per month, additional charges of €0.20 per transaction.&nbsp;Great For: Freelancers and businesses seeking digital banking solutions with cashback on purchases.&nbsp;But Be Aware That: Higher cashback rates and increased transfer limits only available on premium plans.&nbsp;Available In: Germany, France, Spain, Italy.</li></ol><hr>&nbsp;<ol start="4"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C433698492T">Finom Business</a>&nbsp;Features Table:<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:19.26%;"><col style="width:24.12%;"><col style="width:28.48%;"><col style="width:28.14%;"></colgroup><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for limited transfers</td><td>Available for most EU countries</td><td>SMEs and large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Solo Plan) to €249/month (Enterprise Plan). &nbsp;Interest Rate: Not offered. &nbsp;SEPA Payment Price: Free for a limited number of outgoing transfers per month; additional transfers incur a fee.&nbsp;Great For: SMEs and large corporations seeking integrated invoicing, expense management, and accounting software.&nbsp;But Be Aware That: No interest-bearing savings accounts available. Some advanced features are only available on premium plans.&nbsp;Available In: Netherlands, Belgium, France, Germany, and more.</li></ol><hr>&nbsp;<ol start="5"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C276650850T">Qonto Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for a set number of transfers</td><td>EUR-only</td><td>Startups, freelancers, SMEs</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €9 (Basic Plan) to €249 (Enterprise Plan). &nbsp;Interest Rate: Not offered. &nbsp;SEPA Payment Price: Free for a set number of outgoing SEPA transfers, additional transfers at €0.40 each.&nbsp;Great For: Startups, freelancers, and SMEs needing a digital banking solution with multi-user access and expense management tools.&nbsp;But Be Aware That: Higher-tier plans required for some of the advanced features.&nbsp;Available In: Netherlands, France, Germany, Italy, Spain, Austria, and Portugal.</li></ol><hr>&nbsp;<ol start="6"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C4530103474T">MultiPass Business Account</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Incoming SEPA payments at €2 each, outgoing from 0.10% of transaction amount (min. €10)</td><td>Multi-currency supporting 70+ currencies</td><td>International trade and global businesses</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From £100, with fees varying based on the selected plan and services. &nbsp;Interest Rate: MultiPass does not currently offer interest-bearing savings accounts. &nbsp;SEPA Payment Price: Incoming SEPA payments are charged at €2 per transaction; outgoing SEPA payments start from 0.10% of the transaction amount, with a minimum fee of €10.&nbsp;Great For: Businesses engaged in international trade seeking multi-currency accounts, competitive foreign exchange rates, and the ability to hold, receive, convert, and send over 70 currencies across 200 countries and regions using a single account.&nbsp;But Be Aware That: MultiPass requires a minimum balance equivalent to three monthly fees. Failure to meet this minimum balance incurs a monthly charge of €100. Additionally, there is an account opening fee starting from €500.&nbsp;Available In: Netherlands, United Kingdom, United States, Australia, Austria, Belgium, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, and Sweden.</li></ol><hr>&nbsp;ConclusionChoosing the right business account in Germany in November 2024 depends on your business needs. Whether you prioritize low fees, high interest rates, or advanced international payment solutions, there is an option available for every business type. Compare the plans carefully to find the one that best fits your goals.This comparison is based on available information for November 2024. Prices and features may change over time, so always check with the provider for the most current details.<hr>

Compare the best business accounts available in Germany in November 2024, including fees, interest rates, and available features for businesses of all sizes.

Best Business Accounts for Germany in November 2024

Best Business Accounts in the Netherlands (November 2024)<ol><li><a target="_blank" rel="noopener noreferrer" href="https://business.revolut.com/signup?promo=b2b-ref-015-H3-ULB&amp;ext=984c406d-0443-4ecb-8df1-8194f4bf779c&amp;context=B2B_REFERRAL">Revolut Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.51% EUR</td><td>Free for most plans</td><td>Multi-currency with great exchange rates</td><td>Freelancers, SMEs, large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Basic Plan) to custom pricing for the Enterprise Plan.&nbsp;Interest Rate: Up to 3.51% EUR (Enterprise Plan).&nbsp;SEPA Payment Price: Free for most plans, subject to limits. Additional charges may apply.&nbsp;Great For: Freelancers, SMEs, and large corporations that need multi-currency accounts and low-cost international transactions.&nbsp;But Be Aware That: Some users report occasional delays in customer support. Higher transfer limits only available on paid plans.&nbsp;Available In: Netherlands, European Economic Area (EEA), United Kingdom, Switzerland, Australia, Canada, Japan, Singapore, United States.</li></ol><hr>&nbsp;<ol start="2"><li>Airwallex Business&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for local payments</td><td>Multi-currency available</td><td>International businesses and global payments</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Explore Plan) to €999/month for the Accelerate Plan.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not available.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for local transfers, additional charges for SWIFT payments.&nbsp;Great For: Businesses with international operations needing multi-currency accounts and competitive foreign exchange rates.&nbsp;But Be Aware That: Airwallex does not provide interest on account balances. May face challenges during the account approval process.&nbsp;Available In: Netherlands, Australia, United Kingdom, United States, and more.</li></ol><hr>&nbsp;<ol start="3"><li><a target="_blank" rel="noopener noreferrer" href="https://www.financeads.net/tc.php?t=59406C5178120878T">Vivid Money Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>Up to 3.5%</td><td>Free for limited transfers, additional fee for extra transfers</td><td>Multi-currency supported</td><td>Freelancers, SMEs, cashback enthusiasts</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Free Start Plan) to €249/month (Enterprise+ Plan).&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Up to 3.5% annual interest (available on specific plans or balances).&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a limited number of transfers per month, additional charges of €0.20 per transaction.&nbsp;Great For: Freelancers and businesses seeking digital banking solutions with cashback on purchases.&nbsp;But Be Aware That: Higher cashback rates and increased transfer limits only available on premium plans.&nbsp;Available In: Germany, France, Spain, Italy.</li></ol><hr>&nbsp;<ol start="4"><li><a target="_blank" rel="noopener noreferrer" href="https://finom.co/nl-nl/?utm_source=financeads&amp;utm_medium=cps&amp;utm_campaign=fa-banking-.co-Netherlands-59406&amp;s_id=1706269388X59406C433698492T">Finom Business</a>&nbsp;Features Table:<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:19.26%;"><col style="width:24.12%;"><col style="width:28.48%;"><col style="width:28.14%;"></colgroup><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for limited transfers</td><td>Available for most EU countries</td><td>SMEs and large corporations</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €0 (Solo Plan) to €249/month (Enterprise Plan).&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not offered.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a limited number of outgoing transfers per month; additional transfers incur a fee.&nbsp;Great For: SMEs and large corporations seeking integrated invoicing, expense management, and accounting software.&nbsp;But Be Aware That: No interest-bearing savings accounts available. Some advanced features are only available on premium plans.&nbsp;Available In: Netherlands, Belgium, France, Germany, and more.</li></ol><hr>&nbsp;<ol start="5"><li><a target="_blank" rel="noopener noreferrer" href="https://qonto.com/fr?utm_source=affiliate&amp;utm_medium=financeadsfr&amp;utm_campaign=59406&amp;p=2766&amp;s_id=1706269412X59406C276650850T">Qonto Business</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Free for a set number of transfers</td><td>EUR-only</td><td>Startups, freelancers, SMEs</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From €9 (Basic Plan) to €249 (Enterprise Plan).&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: Not offered.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Free for a set number of outgoing SEPA transfers, additional transfers at €0.40 each.&nbsp;Great For: Startups, freelancers, and SMEs needing a digital banking solution with multi-user access and expense management tools.&nbsp;But Be Aware That: Higher-tier plans required for some of the advanced features.&nbsp;Available In: Netherlands, France, Germany, Italy, Spain, Austria, and Portugal.</li></ol><hr>&nbsp;<ol start="6"><li><a target="_blank" rel="noopener noreferrer" href="https://multipass.co/lp/open-account?utm_source=financeads&amp;utm_medium=affiliate&amp;utm_campaign=FA-59406&amp;s_id=1706269424X59406C4530103474T">MultiPass Business Account</a>&nbsp;Features Table:<figure class="table"><table><thead><tr><th>Interest Rate</th><th>SEPA Payments</th><th>Currencies</th><th>Best For</th></tr></thead><tbody><tr><td>No interest offered</td><td>Incoming SEPA payments at €2 each, outgoing from 0.10% of transaction amount (min. €10)</td><td>Multi-currency supporting 70+ currencies</td><td>International trade and global businesses</td></tr></tbody></table></figure>&nbsp;Monthly Fee: From £100, with fees varying based on the selected plan and services.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;Interest Rate: MultiPass does not currently offer interest-bearing savings accounts.&nbsp;&nbsp;&nbsp;&nbsp; &nbsp;SEPA Payment Price: Incoming SEPA payments are charged at €2 per transaction; outgoing SEPA payments start from 0.10% of the transaction amount, with a minimum fee of €10.&nbsp;Great For: Businesses engaged in international trade seeking multi-currency accounts, competitive foreign exchange rates, and the ability to hold, receive, convert, and send over 70 currencies across 200 countries and regions using a single account.&nbsp;But Be Aware That: MultiPass requires a minimum balance equivalent to three monthly fees. Failure to meet this minimum balance incurs a monthly charge of €100. Additionally, there is an account opening fee starting from €500.&nbsp;Available In: Netherlands, United Kingdom, United States, Australia, Austria, Belgium, Canada, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, India, Indonesia, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malaysia, Malta, Norway, Philippines, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, and Sweden.</li></ol><hr>ConclusionChoosing the right business account in the Netherlands in November 2024 depends on your business needs. Whether you prioritize low fees, high interest rates, or advanced international payment solutions, there is an option available for every business type. Compare the plans carefully to find the one that best fits your goals.This comparison is based on available information for November 2024. Prices and features may change over time, so always check with the provider for the most current details.<hr>

Compare the best business accounts available in the Netherlands in November 2024, including fees, interest rates, and available features for businesses of all sizes.

Best Business Accounts for Netherlands in November 2024

<h2>Fixed-Term Deposits in Cypriot Banks</h2>Let’s explore what fixed-term deposits look like for Cyprus residents.Since January 2024, interest rates on term deposits in Cypriot banks have remained steady, with the highest average rate for 12-month deposits peaking at 2.06%. Currently, it hovers around 1.96%.Here’s a snapshot of the best offers from local banks:<ul><li>Alpha Bank: 2.25% for 12 months</li><li>Ancoria Bank: 2.00% for 12 months</li><li>Ancoria Bank: 1.50% for 9 months</li><li>Alpha Bank: 1.25% for 6 months</li></ul>However, sometimes these offers are only available in branches and are not always available to open online.While the market is growing, Cyprus still ranks low in Europe for average interest rates on deposits up to 12 months, behind Slovenia and Greece. On the other hand, the Baltic countries offer some of the best rates in Europe — Estonia at 3.55%, Finland at 3.51%, and Latvia at 3.10%.Here’s the good news: Cypriots can still open fixed-term deposits online at some of banks.<h2>Better Fixed-Term Deposit Offers for Cypriots</h2>Cypriots can take advantage of higher interest rates by exploring options outside Cyprus. Many EU banks allow Cypriots to open fixed-term deposits online, offering better rates and returns on savings.PickTheBank, a platform that simplifies the search for the best fixed-term deposit offers, has analyzed over 1,000 banks and found the best option for Cypriots.<h3>The Best Fixed-Term Deposit Offer for Cypriots</h3>For Cypriots, the top offer is from <a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/redirect/?bank_index=bank3378LV&amp;product_index=999000688&amp;bank_name=BluOr+bank">BluOr Bank (Latvia)</a>, offering <a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/redirect/?bank_index=bank3378LV&amp;product_index=999000688&amp;bank_name=BluOr+bank">3.50% for 12 months</a>. Other options range from 3 to 60 months.<h3>Why choose BluOr Bank?</h3><ul><li>Online opening without the need for a current account</li><li>Minimum deposit of just EUR 1,000</li><li>Available to individuals and companies</li><li>Deposits guaranteed by the state up to EUR 100,000</li></ul>This definitely looks better than the 1.50% offered by local banks, doesn’t it? &nbsp; <a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/redirect/?bank_index=bank3378LV&amp;product_index=999000688&amp;bank_name=BluOr+bank">Visit the bank’s website and apply online today!</a> &nbsp;

Fixed-Term Deposits for Cypriots: Are Local Bank Offers Competitive?

In August 2024, deposit rates in Germany are experiencing moderate fluctuations. Following the European Central Bank's (ECB) recent policy adjustments, interest rates on savings accounts and term deposits have seen incremental changes. The ECB's ongoing approach to managing inflation and economic growth continues to impact deposit rates across the Eurozone, including Germany.Inflation remains a critical factor influencing the deposit market. Although deposit rates have increased, they often lag behind inflation (Germany's inflation rate hovering around 2.3%), which can erode purchasing power over time.The German financial regulatory environment is also undergoing changes. The Federal Financial Supervisory Authority (BaFin) has introduced new regulations aimed at enhancing transparency and protecting depositors. These changes include stricter requirements for banks regarding deposit insurance and more detailed disclosures on deposit terms and conditions.As a result, depositors are seeking more short-term and reliable investment options for their assets.&nbsp; Savings accounts continue to be favored for their liquidity and flexibility. Depositors can access their funds at any time without penalties, making these accounts ideal for emergency funds or short-term savings goals. Interest rates on savings accounts range from 0.10% to 3.70%.&nbsp; Term deposits, also known as fixed deposits, are experiencing a more significant rise in interest rates compared to savings accounts. Interest rates on term deposits in euros vary widely based on the duration and amount deposited, ranging from 0.50% to 3.75%.Here are the tables showing the most attractive interest rates as of August 2024:&nbsp;🔥Top EUR deposit rates – any term&nbsp;The following banks offer the maximum EUR interest rates for ordinary deposits available in Germany:<figure class="table" style="width:99.25%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>3.75%</td><td>DHB bank</td><td>EUR</td><td>3 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/308180/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>Sparkasse Leverkusen</td><td>EUR</td><td>6&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/378322/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>TF Bank AB</td><td>EUR</td><td>6&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/105501/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>Stadtsparkasse Bad Pyrmont</td><td>EUR</td><td>12&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/378413/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>Sparkasse Jena-Saale-Holzland</td><td>EUR</td><td>120 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/362259/">More -&gt;</a></td></tr><tr><td>3.70%</td><td>PSA Bank Deutschland GmbH</td><td>EUR</td><td>3&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/110442/">More -&gt;</a></td></tr></tbody></table></figure>&nbsp;The following banks offer the maximum EUR interest rates on subordinated deposits available in Germany:<figure class="table" style="width:98.5%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>5.00%</td><td>Bausparkasse Mainz Aktiengesellschaft &nbsp;(BKM Deine &nbsp;Bausparkasse)</td><td>EUR</td><td>240 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/111810/">More -&gt;</a></td></tr><tr><td>4.75%</td><td>Bausparkasse Mainz Aktiengesellschaft &nbsp;(BKM Deine &nbsp;Bausparkasse)</td><td>EUR</td><td>180&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/111809/">More -&gt;</a></td></tr><tr><td>4.50%</td><td>Bausparkasse Mainz Aktiengesellschaft &nbsp;(BKM Deine &nbsp;Bausparkasse)</td><td>EUR</td><td>144 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/111808/">More -&gt;</a></td></tr><tr><td>4.50%</td><td>Volksbank Mittweida eG</td><td>EUR</td><td>120&nbsp;mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/312617/">More -&gt;</a></td></tr><tr><td>4.25%</td><td>Volksbank Mittweida eG</td><td>EUR</td><td>84 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/312616/">More -&gt;</a></td></tr><tr><td>4.25%</td><td>Raiffeisenbank im Hochtaunus eG MeineBank</td><td>EUR</td><td>120 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/363635/">More -&gt;</a></td></tr><tr><td>4.25%</td><td>Bausparkasse Mainz Aktiengesellschaft &nbsp;(BKM Deine &nbsp;Bausparkasse)</td><td>EUR</td><td>120 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/111807/">More -&gt;</a></td></tr></tbody></table></figure>&nbsp;🔥Top US dollar and GBP deposit rates – any term:&nbsp;<figure class="table" style="width:100%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>5.10%</td><td>KT Bank AG</td><td>USD</td><td>6 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/308425/">More -&gt;</a></td></tr><tr><td>5.00%</td><td>KT Bank AG</td><td>USD</td><td>3 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/308424/">More -&gt;</a></td></tr><tr><td>5.00%</td><td>pbb direkt&nbsp;</td><td>USD</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/360342/">More -&gt;</a></td></tr><tr><td>5.00%</td><td>pbb direkt&nbsp;</td><td>USD</td><td>120 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/127970/">More -&gt;</a></td></tr><tr><td>4.90%</td><td>KT Bank AG</td><td>USD</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/308426/">More -&gt;</a></td></tr><tr><td>4.50%</td><td>COMMERZBANK Aktiengesellschaft</td><td>GBP</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/127971/">More -&gt;</a></td></tr></tbody></table></figure>&nbsp;Our analysis is grounded in detailed research of 550 leading German banks, resulting in a curated selection of over 11,000 deposit options tailored to meet a range of financial requirements. The interest rates provided are pre-tax and do not account for differences in interest payment frequencies, offering a general reference for potential returns. Depositors are advised to confirm the most current rates and specific terms directly with the respective banks, as conditions can vary depending on the deposit amount, term length, and other factors.At PickTheBank, we provide access to fixed-term deposit options from over 5,000 banks across 27 European countries. Our platform empowers you to make sound financial choices and improve your savings approach. For the most up-to-date information and expert guidance on fixed-term deposits and other financial products, please visit <a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/">PickTheBank.eu.</a>&nbsp;

This overview of PickTheBank explores the key developments in the deposit market in Germany, providing insights into the current state of deposits, interest rates, and broader economic implications.

August 2024 Overview: Germany Deposit Market

As we progress through August 2024, the Latvian deposit market continues to transform, mirroring broader economic trends within the European Union. This month’s PickTheBank focus highlights key developments and offers insights into the fixed-term deposit interest rates provided by Latvian banks. Our analysis is rooted in meticulous research of 10 leading Latvian banks, resulting in a curated selection of 320 deposit options tailored to meet diverse financial needs.The latest statistics from the European Central Bank (ECB) indicate a notable shift in the average interest rate on annual deposits in Latvia. Over the past month, these rates have ranged from 3.00% to 3.15%, with the maximum EUR fixed-term ordinary deposit interest rate peaking at 4.40%. This trend suggests a favorable environment for depositors seeking to maximize returns on their savings.Below, we present some of the most attractive fixed-term deposit interest rates currently available in Latvia:&nbsp;<h4 style="text-align:center;">Top EUR deposit rates - short term</h4>&nbsp;<figure class="table" style="width:99.26%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>4.40%</td><td>Bigbank</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100231/">More -&gt;</a></td></tr><tr><td>4.00%</td><td>Bigbank</td><td>EUR</td><td>9 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/307801/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>Bigbank</td><td>EUR</td><td>6 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/378102/">More -&gt;</a></td></tr><tr><td>3.75%</td><td>Signet Bank AS</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100158/">More -&gt;</a></td></tr><tr><td>3.70%</td><td>AS Magnetiq Bank</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/312463/">More -&gt;</a></td></tr><tr><td>3.65%</td><td>Rietumu Banka</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/299758/">More -&gt;</a></td></tr></tbody></table></figure>&nbsp;<h4 style="text-align:center;">Top EUR deposit rates - long term</h4>&nbsp;<figure class="table" style="width:98.51%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>3.75%</td><td>Bigbank</td><td>EUR</td><td>36 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100235/">More -&gt;</a></td></tr><tr><td>3.70%</td><td>Bigbank</td><td>EUR</td><td>24 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100233/">More -&gt;</a></td></tr><tr><td>3.60%</td><td>Signet Bank AS</td><td>EUR</td><td>24 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100159/">More -&gt;</a></td></tr><tr><td>3.50%</td><td>Signet Bank AS</td><td>EUR</td><td>36 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100160/">More -&gt;</a></td></tr><tr><td>3.50%</td><td><style type="text/css"></style>Rietumu Banka</td><td>EUR</td><td>24 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/299759/">More -&gt;</a></td></tr><tr><td>3.50%</td><td>Bigbank</td><td>EUR</td><td>48 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/100237/">More -&gt;</a></td></tr></tbody></table></figure> While the interest rates highlighted above are pre-tax and do not account for variations in interest payment frequencies, they serve as a valuable benchmark for potential returns. Depositors are encouraged to verify the latest rates and specific terms directly with the respective banks, as conditions can vary based on the amount deposited, term, and other factors.The competitive rates offered by various banks highlight the dynamism within the Latvian banking sector, driven by the need to attract and retain customers.At PickTheBank, we are dedicated to providing comprehensive insights and tailored solutions for your financial needs. With access to fixed-term deposit options from over 5,000 banks across 25 European countries, we empower you to make informed decisions and optimize your savings strategy by choosing from over 30,000 options.Visit <a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/">PickTheBank.eu</a> for the latest updates and expert guidance on fixed-term deposits and more.

This overview highlights the key elements shaping the Latvian deposit market in August 2024. By staying informed with the latest trends through PickTheBank and carefully evaluating available options, investors can strategically enhance their financial portfolios.

August 2024 Overview: Latvian Deposit Market

This overview delves into the current state of the deposit market in Lithuania, offering insight into key trends, interest rates, and available financial products.In the broader European context, the deposit market has been experiencing a period of modest adjustments in interest rates. As central banks across Europe continue to navigate economic uncertainties, interest rates have seen slight fluctuations, reflecting a cautious approach to maintaining economic stability. This environment has led to a diverse array of deposit rates across the continent, with some countries offering more competitive rates to attract savers.As an EU member, Lithuania synchronizes its economic policies with those of the European Central Bank (ECB), which fosters a stable and consistent financial environment. Presently, the Lithuanian economy enjoys moderate expansion, stable inflation rates, and a robust banking sector, collectively reinforcing a resilient deposit market.Despite a slight decrease in interest rates, consumers in the current economic climate continue to prioritize the security and liquidity of their savings. PickTheBank has thoroughly analyzed the websites of 13 Lithuanian banks, gathering data on over 190 unique financial products available for fixed-term deposits. This in-depth analysis allows users to observe interest rate movements, assess different financial products, and decide on the best investments.Highlighted below are some of the most competitive EUR deposit rates currently available in Lithuania:&nbsp;<h4 style="text-align:center;">Top EUR deposit rates - any term</h4>&nbsp;<figure class="table" style="width:99.26%;"><table class="ck-table-resized"><colgroup><col style="width:11.99%;"><col style="width:59.7%;"><col style="width:9.54%;"><col style="width:10.94%;"><col style="width:7.83%;"></colgroup><thead><tr><th>Interest rate</th><th>Bank</th><th>Currency</th><th>Term</th><th>&nbsp;</th></tr></thead><tbody><tr><td>4.15%</td><td>Saldo Bank</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/313145/">More -&gt;</a></td></tr><tr><td>4.05%</td><td><style type="text/css"></style>Bigbank</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/371056/">More -&gt;</a></td></tr><tr><td>4.00%</td><td>SME Bank</td><td>EUR</td><td>12 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/362288/">More -&gt;</a></td></tr><tr><td>4.00%</td><td>Bigbank</td><td>EUR</td><td>18 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/378102/">More -&gt;</a></td></tr><tr><td>4.00%</td><td>GF BANKAS</td><td>EUR</td><td>18 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/362178/">More -&gt;</a></td></tr><tr><td>4.00%</td><td>SME Bank</td><td>EUR</td><td>18 mths</td><td><a target="_blank" rel="noopener noreferrer" href="https://pickthebank.eu/deposits/362289/">More -&gt;</a></td></tr></tbody></table></figure>&nbsp;In conclusion, the Lithuanian deposit market, as of today, is strong and competitive. This stability is supported by rigorous regulatory oversight and careful consumer practices. PickTheBank offers a thorough and current resource, featuring data from over 5,000 banks in 25 European countries and more than 30,000 financial products. It's recommended to check the latest rates and terms directly with banks before making any investment decisions. For detailed and up-to-date information, visit PickTheBank now.&nbsp;

As of July 2024, Lithuania's deposit market is stable and competitive, driven by cautious consumer behavior and strict regulatory oversight. This article provides an overview of the current trends, interest rates, and available financial products in the Lithuanian deposit market, highlighting top EUR deposit rates and insights from PickTheBank's comprehensive analysis. 

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