Best term deposit account 2026
The best term deposit accounts compared on rate of return, withdrawal flexibility, term length and institution soundness. Ranking scored out of 100 according to our methodology.
- A term deposit account locks in a sum for a term set in advance (from one month to five years) in exchange for a rate known from the outset: the longer the term, the higher the rate generally is.
- Distingo (Distingo Bank, a subsidiary of Stellantis Financial Services) is authorised and carries the deposit guarantee itself; Cashbee and Ramify rely on a partner bank (My Money Bank, Memo Bank).
- Orders of magnitude recorded in mid-2026: most offers range between ~2.2% and ~3% gross depending on the term and conditions, with the best long terms sometimes approaching ~4% gross.
- ⚠️ This comparison does not constitute personalised advice: rates change, an early withdrawal reduces the return and interest is taxed. Check the up-to-date rates and conditions with each institution.
The term deposit account appeals to savers who accept locking in a sum in exchange for a return known in advance. Beyond the advertised rate, withdrawal flexibility, the terms offered and the institution’s soundness make the difference — especially when a fintech relies on a partner bank that carries the authorisation and the deposit guarantee. The interest on a term deposit account is taxed and an early withdrawal reduces the return: this investment suits precautionary savings over a defined horizon. This comparison is an editorial ranking scored out of 100 using the same grid for all institutions; it does not replace a personalised study of your needs.
Our methodology
Each option is scored out of 100 against weighted criteria, using the same grid for all.
| Criterion | What we look at | Weight |
|---|---|---|
| Rate of return | Level and progression depending on the term | 30 |
| Flexibility | Early withdrawal, available terms | 25 |
| Access conditions | Minimum amount, online subscription | 20 |
| Soundness | Authorisation, deposit guarantee | 15 |
| Customer service | Availability and responsiveness | 10 |
The 2026 ranking
Distingo (Distingo Bank)
Cashbee
Ramify
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Comparison table
| Institution | Fees | Terms | Early withdrawal | Score |
|---|---|---|---|---|
| Distingo | No set-up fees | Several | Possible, notice + reduced rate | 92 |
| Cashbee | No set-up fees | Several | Depends on product | 89 |
| Ramify | No set-up fees | Several | Depends on product | 86 |
Frequently asked questions
How does a term deposit account work?
You lock in a sum for a defined term (from one month to five years generally) in exchange for a rate known from the outset. The term must exceed one month to be entitled to a return, and the longer the commitment, the higher the rate served generally is. A withdrawal before maturity often remains possible, with notice, but reduces the rate served.
What rate to expect in 2026?
Rates change with market conditions. On mid-2026 records, most term deposit accounts ranged between around 2.2% and 3% gross depending on the institution and the term, with the best offers on long terms sometimes approaching 4% gross. This interest is taxed (flat-rate levy by default). Check the applicable rate before subscribing.
Is a term deposit account guaranteed?
Term deposit accounts from authorised institutions benefit from the deposit guarantee up to €100,000 per depositor per institution (FGDR). Note: when a fintech relies on a partner bank, it is that bank's authorisation that carries the guarantee. Check the institution holding the account.
Term deposit account or savings passbook?
The passbook offers immediate availability, the term deposit account a known return in exchange for a lock-in. The choice depends on your horizon and your liquidity needs.
🗓️ Update history
- 05/08/2026 — Verification of players and facts, 2026 update.
- 13/07/2026 — Updated 2026 terms and access conditions.
- 08/03/2026 — Comparison created.
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