Access fixed-term deposits from trusted European banks with one PickTheBank account.
Independent reviews
See what savers say about comparing rates and opening deposits with PickTheBank.
Read reviews on TrustpilotBased on 38 reviews from real customers
Welcome bonus equivalent up to +1.00% p.a.*
Showing 1–18 of 18 offers
Malta
3.42%*
with €50 bonus
Base rate: 2.42%
EUR
3 mths
€20k–€100k
Malta
3.42%*
with €50 bonus
Base rate: 2.42%
EUR
3 mths
€20k–€100k
Malta
3.42%*
with €50 bonus
Base rate: 2.92%
EUR
6 mths
€20k–€100k
Malta
3.42%*
with €50 bonus
Base rate: 2.92%
EUR
6 mths
€20k–€100k
Malta
3.22%*
with €50 bonus
Base rate: 2.89%
EUR
9 mths
€20k–€100k
Malta
3.22%*
with €50 bonus
Base rate: 2.89%
EUR
9 mths
€20k–€100k
Malta
3.30%*
with €50 bonus
Base rate: 3.05%
EUR
12 mths
€20k–€100k
Malta
3.30%*
with €50 bonus
Base rate: 3.05%
EUR
12 mths
€20k–€100k
Malta
3.19%*
with €50 bonus
Base rate: 3.02%
EUR
18 mths
€20k–€100k
Malta
3.19%*
with €50 bonus
Base rate: 3.02%
EUR
18 mths
€20k–€100k
Malta
3.23%*
with €50 bonus
Base rate: 3.11%
EUR
24 mths
€20k–€100k
Malta
3.23%*
with €50 bonus
Base rate: 3.11%
EUR
24 mths
€20k–€100k
Malta
3.16%*
with €50 bonus
Base rate: 3.08%
EUR
36 mths
€20k–€100k
Malta
3.16%*
with €50 bonus
Base rate: 3.08%
EUR
36 mths
€20k–€100k
Malta
3.14%*
with €50 bonus
Base rate: 3.08%
EUR
4 years
€20k–€100k
Malta
3.14%*
with €50 bonus
Base rate: 3.08%
EUR
4 years
€20k–€100k
Malta
3.13%*
with €50 bonus
Base rate: 3.08%
EUR
5 years
€20k–€100k
Malta
3.13%*
with €50 bonus
Base rate: 3.08%
EUR
5 years
€20k–€100k
Malta
4.25%*
with €50 bonus
Base rate: 3.25%
USD
3 mths
$20k–$100k
Malta
4.25%*
with €50 bonus
Base rate: 3.25%
USD
3 mths
$20k–$100k
Malta
3.75%*
with €50 bonus
Base rate: 3.25%
USD
6 mths
$20k–$100k
Malta
3.75%*
with €50 bonus
Base rate: 3.25%
USD
6 mths
$20k–$100k
Malta
3.58%*
with €50 bonus
Base rate: 3.25%
USD
9 mths
$20k–$100k
Malta
3.58%*
with €50 bonus
Base rate: 3.25%
USD
9 mths
$20k–$100k
Malta
3.50%*
with €50 bonus
Base rate: 3.25%
USD
12 mths
$20k–$100k
Malta
3.50%*
with €50 bonus
Base rate: 3.25%
USD
12 mths
$20k–$100k
Malta
4.00%*
with €50 bonus
Base rate: 3.00%
GBP
3 mths
£20k–£100k
Malta
4.00%*
with €50 bonus
Base rate: 3.00%
GBP
3 mths
£20k–£100k
Malta
3.50%*
with €50 bonus
Base rate: 3.00%
GBP
6 mths
£20k–£100k
Malta
3.50%*
with €50 bonus
Base rate: 3.00%
GBP
6 mths
£20k–£100k
Malta
3.33%*
with €50 bonus
Base rate: 3.00%
GBP
9 mths
£20k–£100k
Malta
3.33%*
with €50 bonus
Base rate: 3.00%
GBP
9 mths
£20k–£100k
Malta
3.25%*
with €50 bonus
Base rate: 3.00%
GBP
12 mths
£20k–£100k
Malta
3.25%*
with €50 bonus
Base rate: 3.00%
GBP
12 mths
£20k–£100k
Latvia
3.80%
Base rate
EUR
12 mths
€20k–€100k
Latvia
3.80%
Base rate: 3.80%
EUR
12 mths
€20k–€100k
* Effective rate for a €20,000 EUR deposit, including a one-off €50 welcome bonus from PickTheBank annualised over the term, before tax. The bank pays the base rate shown. Welcome bonus: first deposit opened via PickTheBank, applications 15 September – 15 November 2026, minimum €20,000, one bonus per customer, paid within 30 days after funding. Full terms
How it works
A simple process from onboarding to funding your deposit.
Create your profile once to get access to deposit offers from partner banks.
Pick the deposit that fits you best and send your application online.
The partner bank usually reviews and opens your deposit account within 1–2 business days.
Once approved, transfer your funds to the new deposit account securely.
Behind the bar, every shift is different. For my savings, I want the opposite: clear terms and a steady plan, so I can focus on the work I love.
NikosPaphos, CyprusBehind the bar, every shift is different. For my savings, I want the opposite: clear terms and a steady plan, so I can focus on the work I love.
I compared rates from several banks in one place and picked the best offer for my savings. Everything was clear from the start.
Transparent terms, deposit protection and no hidden fees. Exactly what I was looking for.
The whole process was online and straightforward. Support answered every question I had along the way.
As a teacher, I know how much small steps matter over time. I take the same approach to saving: compare carefully, plan ahead and build a little more security for tomorrow.
Opening a deposit used to be complicated and time-consuming. With PickTheBank, it took minutes and now I earn more with complete peace of mind.
I work in IT, but the future I care about most is our family's. My wife and I want our savings to support our daughter's opportunities — with a clear plan that leaves more time for being together.
I opened a deposit without leaving home. The onboarding was quick and fully digital.
A smarter way to grow your savings with better rates,
trusted banks, and total peace of mind.
Access multiple European partner banks without starting from zero each time.
Partner banks
Transparent and free for clients.
You keep 100% of your returns.
Choose and apply online in a few simple steps.
1. Choose
Compare deposits and pick what fits you best.
2. Apply
Complete your application online in minutes.
3. Get approved
Receive approval and open your deposit account quickly.
Compare top offers from leading European banks and earn more on your savings.
Earn more with
better rates.
Eligible deposits are protected according to applicable European schemes.
Alexander Gromov
Founder & CEO of PickTheBank
My mission is simple: help people in Cyprus access better fixed-term deposit opportunities from trusted European banks. We make the process straightforward, transparent, and local — with real guidance from someone who understands your goals.
PickTheBank is featured in leading European publications for our mission to help savers earn more.
Verified information
A confirmation of the partnership between PickTheBank and Lidion Bank can be found on Lidion Bank's website:
Lidion Bank — partnership announcementA confirmation of Lidion Bank's participation in the deposit guarantee scheme can be found in the official registers:
MFSA Financial Services RegisterDepositor Compensation Scheme — participating institutions
