Commerzbank introduces a fresh daily exchange rate.
In the world of instant access savings accounts, Commerzbank's latest offering of 2.75% might seem appealing at first glance. However, a closer look reveals that this rate is significantly lower than the current top rates offered by leading UK providers.
According to recent research by Moneycomms (July 2025), the highest “no strings” easy access rates are offered by Secure Trust Bank (4.45%), Kent Reliance (4.41%), Hodge Bank (4.40%), Charter Savings (4.36%), and Ford Money (4.35%), with several others offering rates between 4.25% and 4.30% with no withdrawal restrictions.
Other sources, such as Which.co.uk (July 28, 2025), list Cahoot at 5% AER (on balances up to £3,000) and Oxbury Bank at 4.61% AER for instant access accounts. Aviva’s comparison site shows multiple easy access accounts offering rates ranging from 3.6% to 4.25% AER, depending on deposit size. MoneySavingExpert reports top easy access savings accounts with around 4.4% to 4.5% AER, with most requiring some minimum deposit.
These rates suggest that better returns are available elsewhere if you are looking for instant access savings with competitive rates. Commerzbank's 2.75% offer is well below the current top UK market rates, which commonly exceed 4.0% to 4.5%, and in some cases can be as high as 5% for smaller deposits or promotional balances.
Commerzbank's offer comes with a free instant access savings account that comes with a current account. Deposits up to €100,000 in the updated account are protected by German state deposit insurance. The rest of the offer for Commerzbank's "Top Interest Plus" account remains unchanged, with interest paid out at the end of each quarter and an interest rate guarantee for 12 months after account opening.
For those relying on deposit insurance from outside Europe, Suresse Direct and Openbank offer attractive interest rates. The BÖRSE ONLINE Instant Access Savings Account Comparison, which includes links to learn more about Targobank, 1822direct, Openbank, and Suresse Direct, does not specify the interest rates offered by these banks for deposits exceeding €1,000,000. Similarly, the interest rate for Commerzbank's instant access savings account is not specified for deposits exceeding this amount.
It is also worth noting that the BÖRSE ONLINE Instant Access Savings Account Comparison contains affiliate links that provide compensation when clicked, but does not influence the content's objectivity or independence. The BÖRSE ONLINE Instant Access Savings Account Comparison offers this information free of charge, and no account management fees are charged for the updated account.
In conclusion, while Commerzbank's updated interest rate for its "Top Interest Plus" instant access savings account is attractive, it pales in comparison to the top rates offered by leading UK providers. If you are looking for competitive returns on your instant access savings, it might be worth exploring options in the UK market.
- In the universe of competitive personal-finance strategies, switching to the UK's leading providers for instant access savings could potentially bring higher investment returns compared to Commerzbank's 2.75% offer.
- The business sector in the UK is currently offering a range of personal-finance solutions, including instant access savings accounts that surpass 4.0%, making it a promising avenue for individuals seeking higher returns on their investments.
