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Save Smart and Stay Flexible

Benefit from daily flexibility and secure returns with overnight deposits.

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Overnight Deposit Investments

Take advantage of competitive overnight deposit offers with interest rates of up to 3.10%. We offer you attractive rates that allow your capital to grow securely and profitably. Thanks to our exclusive partnerships, you gain access to first-class conditions. Start investing today and benefit from flexible interest earnings on your savings.

Flexible
Accessible
Liquid

Overnight deposit investments provide flexible and instant access to your funds while offering modest interest returns with minimal risk.

Enjoy regularly adjusted interest rates and the safety of a stable financial product. Our overnight deposit options provide a simple, flexible way to grow your funds — without commitment and with minimal risks.

Why Choose Overnight Deposits?

Overnight deposits are a flexible, secure investment solution, ideal for those who want short-term access to their funds without risk. You benefit from attractive interest rates that adjust regularly and can withdraw your money at any time without penalties or waiting periods. This type of investment offers the perfect balance between return and liquidity.

Key Benefits

  • Attractive Interest Rates: Benefit from competitive, market-adjusted rates
  • Full Flexibility: Access your capital anytime, without restrictions
  • Security: Funds are secured by the bank and protected by deposit insurance
  • No Risk: No price fluctuations or unexpected losses — your capital remains intact

Requirements

  • Minimum Deposit: Typically €25,000
  • Proof of Identity: Valid passport or ID card
  • Required Documents: Completed and signed application form

Process Overview

  • Express Interest Inform us of your intention to open an overnight deposit account.
  • Receive Contract The bank will send you a contract, which you can easily complete online.
  • Verification The bank will quickly verify your details.
  • Receive Account Details Once verified, you will receive login information and account details.
  • Start Investing Your overnight deposit account becomes active, and you can enjoy full access and flexible interest earnings.

An overnight deposit account offers the perfect balance between security and flexibility. Unlike fixed-term deposits, your funds remain accessible at all times while still earning competitive interest. Whether you're looking to park excess cash, manage liquidity, or take advantage of changing interest rates, an overnight deposit ensures you stay in control of your savings.

Rethinking Overnight Deposits: Three Surprising Aspects

Overnight Deposits as Inflation Protection

Although often seen as conservative, overnight deposits can help offset inflation during high-interest phases, particularly with banks offering above-average rates.

Sustainable Overnight Deposits

Some banks offer overnight deposit accounts that finance sustainable projects. This allows you to park your money short-term while supporting environmentally or socially responsible initiatives.

A Liquidity Buffer for Investors

Investors use overnight deposits strategically to keep capital ready for spontaneous market opportunities, allowing them to make quick investments without selling other assets prematurely.

Security or Opportunity — Which Suits You Best?

Feature Fixed Deposit Overnight Deposit
Early accessNot allowedAvailable anytime
Interest rateTypically higherVariable, may rise or fall
Minimum depositRequired (e.g., €10,000–€25,000)Low minimum deposit
TermFixed (e.g., 6 months to 10 years)Unlimited, available daily
SecurityHigh, fixed interestSubject to rate fluctuations
FlexibilityFunds locked for the termFull access at all times