Savings deposit options offer up to 3.25% TAE in October 2026

Various banking institutions are offering competitive interest rates on fixed-term deposits for October 2026. Top options include Openbank, which provides a 3.25% TAE for a 6-month term when combined with a payroll account, and SME Bank via Raisin, offering 3.24% TAE for 12 months.

Other notable rates include EBN at 3.10% TAE for 12 months, BFF Bank at 2.779% TAE for 9 months, and Self Bank at 2.75% TAE for 12 months. For savers preferring quarterly interest payments, options such as Cetelem (3.10% TAE), Renault Bank (3.03% TAE), and WiZink (3.00% TAE) are available, though terms regarding early cancellation vary significantly between providers.

While fixed-term deposits lock in rates until maturity, remunerated accounts offer more liquidity with potentially variable returns. Investors should consider the trade-off between higher guaranteed rates and the ability to access funds without penalty.