#1
HB
Holm Bank AS
Estonia · Commercial banks
APY
9.00%APY
Country
Estonia
EU - ENGLISH - UPDATED TODAY
A site that helps you choose the best banking in Europe.
Independent, editor-reviewed comparisons of 894 EU and EEA banks — savings rates, fees, neobanks, deposit insurance, and SWIFT codes. Updated daily, no advertising on rankings.
Banks Tracked
EU-27 + EEA
894
+12 added this week · across 30 countries
Avg Savings APY
↑ 0.18 PP
2.94 %
Reviews This Month
Oct 2026
47
By 9 editors · 100% independent
Data Points
Verified
23,118
Last sweep · today 06:00 CET
Market overview
Full data →Banks Tracked
894
+12 this week
Avg APY
2.94 %
↑ 0.18 PP
Reviews · Oct
47
9 editors
Data Points
23.1K
Today 06:00
Rates · Savings · Updated today
Best savings rates in Europe right now
Live editor-verified APYs across high-yield, easy-access, and fixed-term products. Filter by country, term, or deposit insurance.
#
Bank · Product
APY
Review
#2
BC
Banque Chalus
France · Commercial banks
APY
8.00%APY
Country
France
#3
MB
Milleis Banque
France · Commercial banks
APY
8.00%APY
Country
France
#4
SS
Sparda-Bank Südwest eG
Germany · Cooperative banks
APY
8.00%APY
Country
Germany
#5
SÍ
Seðlabanki Íslands
Iceland · Central Banks
APY
7.75%APY
Country
Iceland
Showing 5 of 158 · APY = Annual Percentage Yield · Promotional tiers excluded
View methodology ↗ Editorial Ranking · Q4 2026
Top-rated banks in Europe
Compare editorial ratings, savings rates, regulatory standing, app quality, customer support, and deposit insurance.
#1
WD
Wise Dialog Bank S.p.a.
Italy
4.8 / 5 · Editorial
“Commercial banks”
Health score
7.4
Top APY
—
Region
Italy
Editorial rating and available source data
#2
VB
Volkswagen Bank GmbH
Germany
4.5 / 5 · Editorial
“Commercial banks”
Health score
10
Top APY
2.90%
Region
Germany
Editorial rating and available source data
#3
UB
Ulster Bank Ltd
United Kingdom
4.2 / 5 · Editorial
“United Kingdom”
Health score
—
Top APY
—
Region
United Kingdom
Editorial rating and available source data
Data Center · Latest
The state of EU neobanks, 2026
An in-house study of 38 EU/EEA-licensed digital banks: adoption, profitability, and the path to a Spanish licence wave.
Retail Users · EEA · Millions
240M
+21.2% YoY
201820192020202120222023202420252026
Quarterly Study · Q4 2026
Neobanks crossed 240M EEA users — and just 4 are profitable.
Five years of compounding double-digit growth. We track licences, P&L disclosures, and 21 product changes across the sector to map the next consolidation wave.
Licensed Operators
38
Profitable in 2025
4
Median ARPU
€38
Top Market Share
31%
By Sofia Reinhardt · 18 min read · 42 charts
Editorial Policy
100% independent — no bank pays for placement
Affiliate links exist on review pages, but never affect rankings. Read the policy →
Editorial Board
9 editors · 4 EU countries · banking experience
Avg. 11 years in retail banking, FX, or financial journalism.
Update Cadence
Rates verified every 24h · reviews every 90 days
Each page shows its last-verified timestamp at the top.
Methodology
Independent rating sources
Editorial and Trustpilot ratings use separate five-point values. Health scores retain their source scale.
Why bestbanks.eu
Banking is a regulated, slow-moving industry. The ranks that change weekly aren’t trustworthy. We publish what changed, when, and why — and stand behind it with a name.
As referenced in
Financial Times
Handelsblatt
Les Échos
Il Sole 24 Ore
Politico EU
Finextra
By the numbers
894
Banks Tracked
30
EU + EEA Countries
2.4M
Readers / Month
2019
Editorially Active Since