Bank deposits, without the asterisk

81 banks in 19 countries. The figure on each tile is what you get for doing nothing — no subscription, no minimum turnover, no promo period. 44 banks advertise a higher one; where they do, we show what it costs.

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Renaissance Bank	11.45 %	11.95 %	14.45 %	1.5 %	11.6 %	→
Газпромбанк	11.75 %	11.75 %	14 %	—	—	→
MTS Bank	3 %	11.7 %	—	1 %	—	→
Alfa-Bank	11.5 %	11.5 %	—	—	—	→
OTP Bank	11.5 %	11.5 %	—	1 %	—	→
Rosselkhozbank	6.5 %	11.5 %	—	—	—	→
Банк Зенит	10.5 %	10.5 %	13 %	—	—	→
Sberbank	6.5 %	10 %	12.5 %	—	—	→
Svoy Bank	8 %	8 %	—	0.9 %	—	→
Ozon Bank	7 %	7 %	—	—	—	→
T-Bank	6 %	6 %	—	1 %	—	→
ВТБ	6 %	6 %	14.2 %	—	—	→
PSB (Promsvyazbank)	5 %	5 %	16 %	1.5 %	31 %	→
Bank DOM.RF	4 %	4 %	—	1 %	—	→
Credit Europe Bank	3 %	3 %	—	1.5 %	—	→
Raiffeisenbank	0 %	0 %	—	1.5 %	—	→

Click any column to sort. “Do nothing” is the rate with no conditions met; “realistic” adds ordinary behaviour like keeping the card active; “advertised” is the number in the bank's marketing, which usually needs a subscription, a balance threshold or a promo period.

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
LendingClub	4.2 %	4.2 %	—	—	—	→
EverBank	3.9 %	3.9 %	—	—	4.1 %	→
Bask Bank	3.9 %	3.9 %	—	—	—	→
Quontic Bank	3.2 %	3.9 %	—	—	3.9 %	→
CIT Bank	3.65 %	3.65 %	3.75 %	—	3.65 %	→
Wealthfront	3.55 %	3.55 %	4.45 %	—	—	→
Marcus by Goldman Sachs	3.5 %	3.5 %	—	—	—	→
SoFi	0.8 %	3.3 %	4.2 %	—	—	→
Capital One	3.1 %	3.1 %	—	—	—	→
Revolut	4 %	4 %	5.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Sony Bank ソニー銀行	0.4 %	0.6 %	0.8 %	—	—	→
au Jibun Bank auじぶん銀行	0.41 %	0.51 %	—	—	—	→
Rakuten Bank 楽天銀行	0.4 %	0.42 %	0.48 %	—	0.55 %	→
MUFG 三菱UFJ銀行	0.4 %	0.4 %	—	—	1.25 %	→
SMBC 三井住友銀行	0.4 %	0.4 %	—	—	1.25 %	→
Mizuho みずほ銀行	0.4 %	0.4 %	0.45 %	—	1.25 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
monobank	16 %	16 %	—	—	—	→
Ukrgasbank	12 %	12 %	14 %	—	—	→
PUMB (First Ukrainian International Bank)	12 %	12 %	14 %	—	—	→
Sense Bank	11.5 %	11.5 %	13 %	—	—	→
Oschadbank	11.5 %	11.5 %	—	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
blu by BCA Digital	3.5 %	3.75 %	5.5 %	—	—	→
SeaBank	3.5 %	3.5 %	—	—	—	→
Bank Central Asia (BCA)	2.75 %	3 %	3.5 %	—	—	→
Bank Rakyat Indonesia (BRI)	3 %	3 %	—	—	—	→
Bank Negara Indonesia (BNI)	2.25 %	2.75 %	—	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Santander UK	3.5 %	6 %	—	—	—	→
Marcus by Goldman Sachs UK	3.24 %	3.24 %	3.75 %	—	—	→
Monzo	2.75 %	2.75 %	3.5 %	—	—	→
Starling Bank	2.5 %	2.5 %	4 %	—	3.7 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Trade Republic	2.5 %	2.5 %	—	—	—	→
comdirect	0.75 %	1.5 %	1.75 %	—	—	→
ING Deutschland	0.75 %	0.75 %	3.75 %	—	—	→
N26	0.25 %	0.25 %	1.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Mox Bank	—	—	3.7 %	—	3.8 %	→
ZA Bank	0.5 %	0.5 %	18 %	—	—	→
Hang Seng Bank	0 %	0 %	—	—	0.15 %	→
Standard Chartered Hong Kong	0 %	0 %	3.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
bunq	1.51 %	1.51 %	3.01 %	—	2.11 %	→
Rabobank	1.5 %	1.5 %	—	—	1.85 %	→
ABN AMRO	1.25 %	1.25 %	1.45 %	—	2.7 %	→
Knab	1.25 %	1.25 %	—	—	2.1 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Boost Bank	2.5 %	3 %	3.3 %	—	—	→
GXBank (Grab)	2 %	2 %	3.8 %	—	—	→
RHB Bank	0.05 %	0.65 %	0.75 %	—	1.9 %	→
CIMB Bank	0.05 %	0.25 %	—	—	1.9 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Cathay United Bank 國泰世華	0.69 %	0.74 %	—	—	—	→
Taishin Bank 台新	0.72 %	0.74 %	1.24 %	—	—	→
Fubon Bank 富邦 (台北富邦銀行)	0.69 %	0.73 %	0.82 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Siam Commercial Bank (SCB)	0.35 %	1.25 %	—	—	—	→
Krungthai Bank	0.35 %	1.25 %	—	—	0.75 %	→
TTB (TMBThanachart)	0.5 %	0.5 %	1.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Ubank (NAB)	0 %	5.1 %	5.85 %	—	—	→
Macquarie Bank	5 %	5 %	—	—	—	→
ING Australia	0.01 %	0.01 %	5.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
OCBC 360 Account	0.05 %	1.95 %	4.45 %	—	—	→
Trust Bank	0.05 %	0.05 %	2.4 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
DenizBank	32.75 %	32.75 %	34 %	—	—	→
Enpara.com (QNB)	27 %	27 %	37 %	—	30 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Fortuneo	1.8 %	1.8 %	—	—	—	→
BoursoBank	1.5 %	1.5 %	2.5 %	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
VeloBank	4 %	4 %	6 %	—	6 %	→
Alior Bank	2 %	2 %	6.5 %	—	6.5 %	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Pibank	2.02 %	2.02 %	—	—	—	→

Bank	Do nothing	Realistic	Advertised	Cashback	Best deposit
Banco Plata	7 %	9 %	15 %	0.5 %	—	→

Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.