Compare high-interest savings accounts in SK.
18 live savings accounts offers tracked across 8 Slovakia providers. Data current as of 23 October 2026 and updated daily from the Giraffy database.
18 live offers compared from 8 providers. Updated daily.
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VÚB Banka 30-Day Notice Savings: Interest Rate 2.75% p.a.; Min Balance €500; Account Type 30-Day Notice Savings; Withdrawals Anytime.
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mBank Slovakia Online Savings is a savings accounts offer from mBank Slovakia. Key details — Interest Rate: 3.10% p.a.; Min Balance: €500; Account Type: Online Savings; Withdrawals: Anytime.
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Prima Banka Online Savings from Prima Banka. Interest Rate: 3.10% p.a.; Min Balance: €500; Account Type: Online Savings; Withdrawals: Anytime.
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mBank Slovakia High Interest Savings is a savings accounts offer from mBank Slovakia. Key details — Interest Rate: 3.50% p.a.; Min Balance: €500; Account Type: High Interest Savings; Withdrawals: Anytime.
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UniCredit Bank Slovakia ISA-Style Savings is a savings accounts offer from UniCredit Bank Slovakia. Key details — Interest Rate: 3.25% p.a.; Min Balance: €500; Account Type: ISA-Style Savings; Withdrawals: Anytime.
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Tatra Banka 30-Day Notice Savings from Tatra Banka. Interest Rate: 2.75% p.a.; Min Balance: €500; Account Type: 30-Day Notice Savings; Withdrawals: Anytime.
A savings account (sporiaci účet) in Slovakia holds money you do not need day to day while earning interest and keeping instant or near-instant access. Unlike a fixed deposit, funds are usually withdrawable at any time, which makes savings accounts the home for an emergency buffer. Balances are held in euros and interest is credited periodically, typically monthly.
Banks position savings accounts as a flexible companion to the current account, often with tiered rates, bonus rates for new money, or higher rates on balances up to a cap. Rates track the wider euro interest environment and each bank's funding needs, so headline offers move and frequently carry conditions. Digital banks have used competitive savings rates to win deposits.
Instant access — Withdraw or move money at any time, unlike a term deposit.
Interest on idle cash — Earn a return on funds that would sit dormant in a current account.
Deposit protection — Balances are covered up to €100,000 per bank under the guarantee scheme.
Bonus rates — New-money or introductory rates can lift returns for a set period.
Compare the interest rate but read the conditions closely, since top rates often apply only to new money, up to a balance cap, or for an introductory window before dropping. Check how interest is calculated and credited, whether withdrawals reduce the rate, and any monthly fee. If you can lock money away, a fixed deposit may pay more; if you need flexibility, prioritise a fair standard rate over a short-lived bonus.
Slovenská sporiteľňa, VÚB Banka, Tatra Banka and ČSOB Slovakia all offer savings accounts, with UniCredit Bank Slovakia and Prima Banka also active. Digital-first 365.bank and mBank Slovakia frequently lead on advertised rates to attract deposits. Because offers change, comparing current rates and their conditions at the time you save is essential.
Savings accounts usually carry no monthly fee, so the key figure is the net interest earned after any conditions. Watch for rates that apply only up to a cap or fall after an introductory period, and note that interest income may be subject to withholding tax. The real return is what remains after conditions and tax, not the headline rate.
Savings accounts are held at banks licensed and supervised by the National Bank of Slovakia (NBS). Eligible deposits are protected up to €100,000 per depositor per bank under the Slovak Deposit Protection Fund (Fond ochrany vkladov), in line with EU rules. Interest is typically taxed at source. Disputes can be raised with NBS as the financial-market supervisor.
Can I withdraw anytime? — Yes, savings accounts are designed for flexible access, unlike fixed deposits.
Are the top rates guaranteed? — Often not; bonus rates may be capped or introductory, so read the conditions.
Is my money safe? — Eligible balances are protected up to €100,000 per person per bank.
Giraffy tracks 18 savings accounts across 8 providers in Slovakia. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.
Yes — the DPF (Deposit Protection Fund) protects up to €100,000 per depositor, per bank. Always confirm your institution is NBS-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.
p.a. (per annum) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using p.a. rather than the gross or monthly rate.
Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.
Tax on savings interest varies by country and income level. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.
Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (€100,000 under the DPF per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.
Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.