What currency do you save in?

Why Saving Only in Euros May Cost You More

For most people in the Eurozone, saving in euros feels natural.

Not long ago, it even looked attractive: euro fixed-term deposit rates briefly climbed to 4%.

But after the ECB cut its key rate, euro fixed-term deposits have dropped back to around 2%.

Dollars and Pounds Pay More

Traditionally, fixed-term deposits in US dollars and British pounds offer higher returns than those in euros.

Right now, savers can earn up to 3.8% in USD and up to 3.35% in GBP — well above the average euro rates.

Diversifying into multiple currencies not only boosts your returns but also protects your portfolio from the limitations of low euro yields.

Why PickTheBank

At PickTheBank, we analyze more than 10000 offers from over 1000 banks across the EU.

For years, we’ve been helping savers discover the best rates and open savings products safely online.

All deposits are held exclusively with EU-licensed banks and are fully protected under the Deposit Guarantee Schemes — up to €100,000 per depositor, per bank.

And with PickTheBank, you can compare offers and open fixed-term deposits directly on the platform — no redirects, no extra steps.

Best Offers Available Right Now

USD deposits

• 3.8% Lidion Bank 3 Months 
• 3.6% Lidion Bank 6 Months 
• 3.45% Lidion Bank 9 Months 
• 3.3% Lidion Bank 12 Months  

GBP deposits

• 3.35% Lidion Bank 3 Months 
• 3.35% Lidion Bank 6 Months 
• 3.3% Lidion Bank 9 Months 
• 3.2% Lidion Bank 12 Months  

EUR deposits

• 2.0% Lidion Bank 3 Months 
• 2.0% Lidion Bank 6 Months 
• 2.0% Lidion Bank 9 Months 
• 2.0% Lidion Bank 12 Months
• 2.0% Lidion Bank 18 Months
• 2.0% Lidion Bank 24 Months
• 2.0% Lidion Bank 36 Months
• 2.0% Lidion Bank 48 Months
• 2.0% Lidion Bank 60 Months

Start Earning More Today

Why settle for low euro returns when higher rates are available in other currencies?

With PickTheBank, you can access the most competitive fixed-term deposits across Europe and open them in just a few clicks — either on the website or through our mobile app, now available in the App Store.

Compare, choose, and start growing your savings with PickTheBank today!

A few words on safety

Saving with the PickTheBank platform, clients always place their money in a bank, and deposits are protected by EU deposit guarantee schemes up to €100,000 per bank per customer. PickTheBank never holds client funds acting in a capacity of a service partner to banks. Clients send money directly to the bank; while PickTheBank never touches clients' funds.

The partnership between PickTheBank and Lidion Bank can be independently verified on the Lidion Bank side.

Lidion Bank's participation in the deposit guarantee scheme can be verified on the website of Maltese Financial Services Authority.