Klarna’s interest rate has fluctuated even a bit more slowly than some other providers’. I personally appreciate the option for quick withdrawals, if one wants to keep even their everyday spending money earning interest until they need it, rather than just money designated for an emergency fund or similar.
2 Likes
If there were others here who utilized Danske’s AOT 3-month Euribor margin rate.
8 Likes
I’m letting my money sit in Norwegian Savings Account Plus, which offers 2.35%. I guess I should probably start looking into bond funds soon, if I dared to put that buffer money into one of those.
3 Likes
Today it seems you can get a 3.00% interest rate for a 1-month fixed-term deposit from Nordea. (recently it has been a bit under 2.00)
I don’t know if this is an error or some campaign offer, but I took advantage of this and put my extra cash into Nordea for a month.
edit. The offer seems to be:
“You get an annual interest rate of 3% for a 1-month fixed-term investment account when you open an account and make a deposit between April 1–30, 2025. You can choose a deposit amount of 500–100,000 euros and open one or more accounts. The maximum deposit amount per customer is 100,000 euros.”
11 Likes
OP offers a similar one (Fixed-term yield account) for a 1-month fixed-term deposit with a 3% interest rate. In addition, “Funds in a Fixed-term yield account accrue OP-bonuses for the cooperative bank’s owner-customer.”
1 Like
For me, OP’s service shows 2.25% annual interest for a 1-month fixed-term yield account.
1 Like
I checked the interest rate from the exact same page. Apparently, different cooperative banks have different interest rate offers.
2 Likes
Apparently so then. This has not been advertised or offered to me directly in any way. I just checked out of curiosity what my own bank offers when Nordea was mentioned above.
1 Like
Fixed-term deposit account, the local OP offers only 2.35%, regardless of the amount and duration.
I had that 3.0% interest rate for 1 month, and 2.25% for other deposit periods. I immediately put extra money there to park.
2 Likes
Nordea also has a campaign during April, 3% annual interest for a 1-month fixed-term account:
Edit: Oops, this was already mentioned a couple of messages earlier, I somehow missed it.
3 Likes
They certainly don’t at the moment, although 3% offers for one-month deposits have certainly been seen from different banks. And which bank offers a 4% deposit offer in Finland? For example, an offer like the one referred to earlier from Aktia, which requires investing a corresponding amount in funds, is not acceptable.
4 Likes
True. Net deposits are likely closer to 3%.
Collector lowers the interest rate from 3.25% to 3.00% effective June 9th
1 Like
Which OP offers this? In Pirkanmaa, only just over 2% is offered for a fixed-term deposit.
1 Like
With these flexible deposits, there is now so-called cash. At least you get something now. As a former trader, I have now become very cautious. I have investments, but I could add a lot more. The more analyses one reads, the more cautious one becomes. Trump eroded confidence. Diversification doesn’t help at all, because a major global recession is at least very likely. People are certainly great at forgetting. If Trump kept a calm pace for a few months, confidence could return. That’s how we humans are. Especially investors.
2 Likes
My bank is Uudenmaan Osuuspankki. Full subscription.
2 Likes
Have you set the deposit period to 1 month? At least for me, the default is 1 year, in which case the interest rate is around 2.1%. With a shorter deposit period, the interest rate increases.
1 Like
These seem to be specific to cooperative banks. The interest rate didn’t really go up much, even after spending a lot of time on it.
1 Like