SmartSaver’s base rate is now 7.5% APY, up from 7.25%.
Here’s how €20,000 grows with SmartSaver vs. the ECB average composite rate over two years:
And it’s not just a bump — it’s a signal. While others lower returns and add complexity, we’re making it simpler for everyone to earn more, with less friction and no fine print.
Why the increase?
Because investing isn’t a one-size-fits-all journey — it’s personal.
You might be just setting off. Or perhaps you have bold goals, or want to explore new ways to grow what you’ve already built.
SmartSaver supports every step of that journey — not just reward the end.
Raising our rate is part of that commitment. It’s about making sure SmartSaver always reflects where you are and where you’re going.
That’s why we’ve simplified how SmartSaver works.
Every customer — whether you joined yesterday or two years ago, whether you’ve got €1,000 or €100,000 — earns the same exceptional 7.5% APY.
When it comes to building your future, everyone deserves a head start.
Want to earn even more?
If you’re open to planning ahead, our Vaults are still available and offer higher fixed-term rates — up to 10.52% APY when you commit for 24 months.
Vaults let you:
- Choose a fixed date to access your funds
- Lock in a higher return
- Get monthly returns paid directly into your main SmartSaver account
It’s the perfect way to grow your money with a goal in mind.
What’s next?
You don’t need to do anything to unlock the new rate. If you’re verified, you’re already earning 7.5% APY.
If you haven’t added funds yet — now’s the time to put your money to work.
Because when others pull back, we move forward.
And your future should grow at full speed.
*The information presented in this blog post is valid as of the time it is published. The content is intended to provide information only and is not meant and should not be considered as financial or investment advice of any kind.