Your savings deserve more than 1-2%
Retirement pensions and current accounts are barely keeping pace with inflation. Lock a guaranteed rate on your money for a fixed term, with the clarity, security and simplicity you'd expect.
The problem
You've spent a lifetime saving. Yet your bank savings and pension pots are earning next to nothing, and rates can be cut without warning. Meanwhile the cost of living keeps climbing.
A better fit
A fixed term deposit locks in a guaranteed rate for a set period. You know exactly what you'll earn, your money stays protected, and there's no guesswork involved.
How it works
Three simple steps, with no jargon and no surprises.
Tell us about you
Share your location, how much you'd like to deposit and the term you're comfortable with.
Get your rate
We match your deposit to a fixed term with a guaranteed, clearly stated interest rate.
Relax
Complete a short application and your savings are protected to €100,000 under EU rules.
Current fixed term rates
Guaranteed for the full term. Illustrative and subject to your profile.
- Minimum deposit €50,000
- Interest paid monthly
- Minimum deposit €50,000
- Interest paid monthly or at maturity
- Minimum deposit €50,000
- Interest paid at maturity
Illustrative figures only. Rates vary by term, currency and amount. request your personal rate below.
"I checked my savings statement again this spring. After the bank's 'bonus' rate expired, I was earning pennies, while everything at the market seemed to cost more every week."
If this sounds familiar, you're not alone. Thousands of retired expats across Europe are rethinking where their savings sit, and a fixed term deposit is the simplest first step.
A different approach to savings, in under a minute
This short film follows two retired expats who were quietly losing out to near-zero bank rates, and how they found a fixed rate on their money instead. If their story sounds like yours, the next step is simple.
- Bank savings and pensions earning next to nothing while living costs keep rising
- Rates that can be cut without warning, just when you need certainty
- A guaranteed rate for the full term, so you know exactly what you'll earn
- Interest paid monthly if you choose, and your capital returned in full at maturity
Check your personalised rate
Answer three short questions to see which options may suit your amount and term.
Deposit comparison questions
Rates can vary by deposit amount, term length and eligibility. Answer a few quick questions to see which options may match your situation.
Free to use · Takes about two minutes
Frequently asked questions
Is my money protected?
Yes. Eligible deposits are protected up to €100,000 per person per institution under the EU Deposit Guarantee Scheme.
What does "fixed term" mean?
Your interest rate is guaranteed for the whole term. It won't be cut mid-way, unlike many bank savings accounts where rates can change at any time.
Can I access my money early?
Fixed term deposits are designed to be held for the full term. Early access may be possible but could reduce the interest earned.
Can I open an account from abroad?
Yes. Most retired expats complete everything remotely, in English, with standard ID documents and a personal call to confirm details.