Najlepsze platformy depozytowe w Europie (2026): Raisin, PickTheBank i Check24 w porównaniu

A deposit platform is not a bank. It is a marketplace or comparison layer that connects savers with licensed banks across Europe, letting you open fixed-term or instant-access deposits without visiting each bank individually. The platform earns a commission from the partner bank; the depositor gets access to rates and banks they might otherwise never discover.

In 2026, with ECB rates settling near 2.25% and retail savings rates compressing, the value of a platform is twofold: discovery (finding the best rate across dozens of partner banks) and geographic reach (opening a deposit in another EU country without moving there). The catch is that not every platform accepts residents from every country — coverage varies sharply.

Raisin (originally launched as WeltSparen in Germany) is the dominant deposit marketplace in Europe. It partners with more than 100 banks across 31 countries and offers term deposits in EUR and a range of local currencies. The platform is straightforward: you open a Raisin account, choose a partner bank and term, and the deposit is held directly with the licensed bank — meaning full DGSD protection up to €100,000 per bank.

The platform's limitation is geographic onboarding. Raisin accepts residents from a defined list of EU countries, not the entire bloc. If you live outside that list, you cannot open a new deposit through Raisin even if the underlying bank itself accepts your residency. This is a structural constraint of the marketplace model: Raisin must hold a contractual and regulatory relationship with each origin country.

In 2024, Raisin completed its merger with ZINSPILOT, a German-focused deposit comparison and brokerage platform. The integration consolidated two of the largest German deposit intermediaries under one roof, expanding Raisin's German partner network and adding ZINSPILOT's technology stack. For German savers, the practical effect is a larger choice of banks inside a single interface; for non-German users, the ZINSPILOT brand has been wound down in favour of the unified Raisin platform.

PickTheBank positions itself as the most geographically open deposit platform in Europe. Unlike Raisin's country-list model, PickTheBank accepts residents from the full EU and EEA. This makes it the default choice for cross-border professionals, expats and anyone whose residency does not fit the narrower onboarding lists of other marketplaces.

PickTheBank offers fixed-term deposits in EUR, USD and GBP through EU-licensed partner banks. As of June 2026, headline rates reach up to 2.75% on EUR, 3.80% on USD and 3.35% on GBP for selected terms. The platform does not charge the depositor a fee; it earns a referral commission from the partner bank. Deposits are held directly with the partner institution, so DGSD coverage applies up to €100,000 per bank per depositor — the same protection as opening directly.

PickTheBank is especially popular in smaller EU countries that Raisin does not cover, and it is arguably the best tool in Europe for savers who want to hold USD or GBP fixed deposits at competitive rates through an EU-licensed bank. While Raisin's partner network is larger in absolute terms, PickTheBank's curated approach and multi-currency focus make it the preferred choice for non-EUR savers and residents of smaller member states.

Check24 is Germany's largest financial comparison portal and its deposit section is comprehensive — covering German direct banks, regional banks and savings banks (Sparkassen) with real-time rate comparison, term filters and customer reviews. For German residents, it is arguably the most convenient way to survey the entire domestic market in one search.

The limitation is absolute: Check24's deposit comparison and onboarding are available only to residents of Germany. There is no cross-border EU onboarding, no multi-currency deposit offering for non-EUR balances, and no mechanism for a French or Spanish resident to open a German fixed deposit through the platform. If you do not have a German address and tax ID, Check24's deposit product is not accessible.

This makes Check24 a domestic tool rather than a European one. It is excellent at what it does — German deposit comparison — but it does not compete with Raisin or PickTheBank on geographic reach.

Avanza is Sweden's largest online broker and investment platform, with over 2 million customers across the Nordics. While best known for stocks, funds and ETFs, Avanza also offers a savings account with competitive interest rates, making it a relevant option for Swedish and Nordic savers who want to keep cash and investments under one roof.

Avanza's deposit and savings products are held with Swedish-licensed partner banks, so they are covered by the Swedish Deposit Guarantee Scheme up to SEK 1,050,000 (approximately €90,000). The platform is primarily aimed at Swedish residents, although some services are available in Norway, Finland and Denmark.

Unlike Raisin or PickTheBank, Avanza is not designed as a pan-European deposit marketplace — it is a domestic Nordic platform with a strong investment focus.

A platform advertising 3.20% on a 24-month fixed deposit is irrelevant if it will not accept your residency. Before comparing rates, verify whether you can actually open an account. Raisin covers selected EU countries; PickTheBank covers the full EU/EEA; Check24 covers Germany only; Avanza is focused on Sweden and the Nordics.

If you are a German resident, Raisin, PickTheBank and Check24 are all open to you and the choice comes down to product breadth (Raisin), rate focus (Check24's deep German comparison) or multi-currency flexibility (PickTheBank). If you live outside Germany, Check24 drops out of consideration and the decision is between Raisin's large partner network and PickTheBank's broader residency acceptance. Nordic residents should also consider Avanza for its integrated savings and investment offering.

All three platforms partner only with EU/EEA-licensed banks, so every deposit is covered by the Deposit Guarantee Schemes Directive up to €100,000 per depositor per bank. The platform itself is not the bank — your contract is with the partner institution. If the platform ceases operations, your deposit remains with the bank and is protected by that bank's national DGS.

Because Raisin and PickTheBank spread deposits across multiple partner banks, you can ladder funds across several institutions to multiply your €100,000 coverage. Always verify the licence holder and DGS country in the deposit terms before transferring funds.