Taxas de poupança dos neobancos da UE em 2026
Taxas de juro sobre poupanças, fundos e saldos do mercado monetário — atualizadas em março de 2026. As taxas variam de acordo com a política do BCE / Banco de Inglaterra.
⚠️ As taxas são variáveis e alteram-se de acordo com as decisões do banco central. Verifique sempre as taxas atuais na aplicação de cada banco antes de efetuar um depósito.
💰 Ganhe juros — Top 3
📊 Contexto das taxas do BCE — março de 2026
A taxa da facilidade de depósito do BCE é de aproximadamente 2,5% no início de 2026 (uma descida em relação ao pico de 4% em 2023–2024). A maioria das taxas de poupança dos neobancos está indexada ao BCE e continuará a descer à medida que o BCE reduzir as taxas. As taxas apresentadas são indicativas a partir de março de 2026 — verifique sempre com o prestador antes de efetuar um depósito.
💰 Classificação das taxas de poupança
Contas poupança em detalhe
Interest paid daily. Rate tracks ECB deposit rate. No minimum balance. Covered by Lithuanian DGS (EDIS) up to €100K. Higher rates locked behind paid plan tiers.
N26 Spaces are sub-accounts used as savings pots. Rate depends on subscription plan. Covered by German DGS (EDIS) up to €100K. Interest credited monthly.
Easy Savings rate linked to ECB deposit rate. Higher rate requires premium subscription. Interest paid monthly. Covered by Dutch DGS (EDIS) up to €100K.
Wise Assets invests idle balances in BlackRock and Goldman Sachs money market funds. Not deposit insurance — funds are safeguarded (ring-fenced) but not EDIS/FSCS covered. Rates track central bank rates per currency. EUR rate tracks ECB, GBP tracks Bank of England base rate.
Interest on uninvested cash (Tagesgeld). Rate was 4.0% at peak ECB rates in 2023, reduced to 2.0% by early 2026 following ECB rate cuts. No minimum balance. All accounts same rate — no tier dependency. Covered by German DGS (EDIS) up to €100K.
Monzo offers instant-access savings pots (lower rates) and fixed-term savings at higher rates (up to 4.5% AER via partnered providers). FSCS protected up to £85K (~€100K). GBP accounts only. Fixed savings lock funds for the term.
DKK-denominated savings account. Rate follows Danish Nationalbanken (central bank) policy, which differs from ECB. Lower EUR-equivalent rate reflects lower Danish policy rate. Protected by Danish Guarantee Fund (equivalent to EDIS) up to DKK 750K (~€100K).
Savings Spaces earn interest at variable rate tracking Bank of England base rate. FSCS protected up to £85K (~€100K). GBP only — EUR/USD balances do not earn interest. Interest credited monthly. Starling is consistently profitable and one of the UK's strongest digital banks.
FDIC pass-through to $250,000 via The Bancorp Bank or Stride Bank, N.A.
FDIC member (Varo Bank, N.A.) — direct cover to $250,000. Tier 1 rate requires $1,000+ monthly direct deposits + balance ≤ $5,000.
FDIC member; $250K direct, $2M via Insured Sweep program.
FDIC pass-through to $250K via Sutton Bank or Wells Fargo Bank, N.A. Direct-deposit qualifying threshold applies.
FDIC pass-through to $5M via Sweep program (Choice Financial Group, Evolve Bank & Trust, plus partner network of FDIC banks). Treasury yields are NOT FDIC-insured — they're investment products.
FGC R$250,000 cover. Rate tracks Brazilian CDI (~Selic).
FCI is investment, not insured deposit. AR SEDESA cover applies only to traditional bank deposits, not Mercado Pago wallets.
FGC R$250K. Idle checking balance auto-yields at 100% CDI.
FGC R$250K. Conditional on direct-deposit (similar to US Varo).
FCI is investment, not insured deposit. AR SEDESA cover applies only to Ualá Bank deposits (post-Wilobank acquisition).
SDIC SGD 100,000 cover.
PDIC PHP 500,000 cover (~USD 9k).
PDIC PHP 500,000 cover. Time-deposit ladders boost APY.
KDIC KRW 50,000,000 (~USD 35K) cover per depositor per institution.
KDIC KRW 50,000,000 (~USD 35K) cover per depositor per institution.
DICJ JPY 10,000,000 (~USD 65K) cover per depositor per institution; settlement accounts (決済用預金) fully covered.
FCS AUD 250,000 cover via Bendigo and Adelaide Bank parent.
AE DPS via Emirates NBD parent — AED 250,000 cover per depositor. // TODO(verify)
AE DPS AED 250,000 via Mashreq Bank parent.
NDIC ₦2,000,000 cover (~USD 1.3K) for microfinance-class banks. Microfinance bank cover differs from full-bank cover (₦5M DMB ceiling).
MMF investment, not insured deposit. OBank deposits get standard CBN cover. // TODO(verify)
CODI ZAR 100,000 (~USD 5K) cover per depositor per institution.
AE DPS AED 250,000 cover per depositor.
SAMA Deposit Protection Fund — SAR 200,000 cover per depositor per institution.
SA DPS SAR 200,000 cover via Gulf International Bank parent.
BH DCS BHD 20,000 cover per depositor per institution.
CODI ZAR 100,000 (~USD 5K) cover per depositor.
CODI ZAR 100,000 cover per depositor.
NDIC ₦5,000,000 cover via Wema Bank parent licence.
FDIC up to $250,000 per depositor.
FDIC up to $250,000.
FDIC up to $250,000.
MMF — investor protection (SIPC), not FDIC. Brex Cash separately FDIC pass-through.
FDIC pass-through up to $3M via 17-bank sweep network. Coastal Community Bank (WA-state-chartered, NASDAQ:CCB parent) is primary sponsor; balances above $250K spread across program banks. Standard APY conditional on $500/mo debit spend OR $2,500/mo client deposits.
Caixinha PJ is FGC-protected (Fundo Garantidor de Créditos) at the BACEN-licensed institution level up to R$250,000 per customer per institution. Rate tracks CDI overnight rate (~100% of CDI). Yield is variable, with applicable taxes (IRRF on PJ investment income) deducted at withdrawal.
FDIC pass-through up to $3M via Sunrise Banks sweep network. APY structure 2.25/4.00/0% by balance band as of 2026-01-13.
FDIC pass-through $250,000 single-bank via Lead Bank. No multi-bank sweep program. Customers needing >$250K coverage must hold supplemental relationships elsewhere.
FDIC pass-through up to $3M via Thread Bank's Insured Cash Sweep program (balances >$250K spread across multiple FDIC-insured banks).
FOGAFIN COP 50M cover via Bancolombia parent.
SOFIPO — limited IPAB cover (SOFIPOs outside full-bank scope).
SOFIPO — limited IPAB scope.
PSP — Davivienda holds the bank licence + FOGAFIN cover.
FGC R$250,000 cover per depositor.
KDIC up to KRW 50,000,000 per depositor.
LPS up to IDR 2,000,000,000 per depositor.
China Deposit Insurance Scheme — CNY 500,000 per depositor.
SDIC up to SGD 100,000.
PDIC up to PHP 500,000.
AE DPS via RAK Bank parent — AED 250,000 cover.
AE DPS AED 250,000 per depositor.
FSCS GBP 85,000 (UK) + Kuwait DPS.
NDIC microfinance ceiling ₦2,000,000 per depositor.
KDIC up to KES 500,000 via NCBA Bank parent.
🛡️ Proteção de depósitos em contas poupança
✅ Protegidas pelo EDIS / FSCS
As suas poupanças estão cobertas pelo Sistema de Garantia de Depósitos da UE (EDIS) ou pelo Fundo de Garantia de Depósitos do Reino Unido (UK FSCS) até 100 000 € (85 000 £) por pessoa, por banco. Se o banco falir, receberá o seu dinheiro de volta.
⚠️ Protegido (Não pelo EDIS)
Os fundos são isolados em contas separadas ou investidos em fundos do mercado monetário, mas NÃO estão cobertos pelo seguro de depósitos do governo. Risco menor do que os fundos não garantidos, mas não oferecem o mesmo nível de proteção.
A nossa escolha principal: Trade Republic para poupanças gratuitas
A Trade Republic paga 2% ao ano sobre o dinheiro não investido até 50 000 €, numa conta totalmente gratuita com licença bancária alemã completa e proteção de depósitos de 100 000 € da BaFin. Sem mensalidade. Sem período de carência. Taxa indexada ao BCE. Para poupanças simples sem custos mensais, esta é a melhor oferta no neobanking da UE em 2026.
⚠️ Importante: Não mantenha poupanças avultadas na Wise
Wise oferece juros sobre saldos em EUR, GBP e USD através da sua funcionalidade «Ativos». No entanto, a Wise é uma instituição de moeda eletrónica — o seu saldo não está coberto pelo Sistema de Garantia de Depósitos da UE. Não mantenha poupanças que não possa dar-se ao luxo de perder na Wise. Recorra a um banco da UE totalmente licenciado para saldos de poupança superiores a alguns milhares de euros.