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How Canadian savers can still secure up to 6.25% p.a. – by looking to Europe
Despite the recent interest rate cut by the Bank of Canada (BoC), Canadians now have a unique opportunity to earn high and stable returns: by investing in fixed-term deposits with reputable European banks – offering interest rates of up to 6.25% p.a.
2 days ago | Richard van Brehm
“In uncertain economic times, it is wise to focus on stable and secure forms of investment. GICs offer just that - security, predictable returns and currently very attractive interest rates.”
European fixed-term deposits beat inflation
In June 2025, the Bank of Canada lowered the key interest rate by 0.25 percentage points - to 2.75 %. The reason for this is declining inflation and a cautious economy.
As inflation continues to cool, the Bank of Canada has begun cutting rates, with the benchmark rate now at 2.75%. Inflation, which stood at 2.9% in May 2025, has steadily declined from its previous highs – signaling a broader economic stabilization.
While GICs (Guaranteed Investment Certificates) in Canada remain popular, many investors are disappointed by limited returns. Following the BoC’s key interest rate cut to 2.75% in June 2025, Canadian banks have started to lower their GIC rates – but Europe tells a different story.
In countries like Spain, the Netherlands, the UK, and Switzerland, banks continue to offer up to 6.25% interest p.a. on fixed-term deposits – and thanks to modern online platforms, Canadian savers can now access these offers completely digitally, in English, and with local deposit protection.
Since the end of the ultra-low interest era, European fixed deposits have rarely been so rewarding – especially for Canadians seeking higher returns without stock market volatility.
Example offers from European banks:
- Spain: up to 6.25% for 12–24 months
- Netherlands: 5.5% for 12 months
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UK: up to 6.0% for 18–36 months
All deposits are backed by local deposit guarantee schemes and offered by regulated institutions.
Why fixed-rate savings accounts remain an attractive option
- 1. Security and Stability – Your Capital is Protected: In an age of volatile markets and unpredictable assets like cryptocurrencies, European fixed-term deposits offer rare peace of mind. Your deposits are typically protected by national deposit guarantee schemes – up to €100,000 per bank (or local equivalent), depending on the country.
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2. Attractive Interest Rates – Up to 6.25% p.a.
While Canadian interest rates are falling, many European banks still offer fixed rates as high as 6.25% per year – giving Canadians the chance to lock in long-term value. These rates are often significantly higher than domestic GICs. - 3. Predictable Returns – Plan Your Future with Confidence: European fixed-term deposits guarantee fixed earnings, independent of stock market swings or inflation surprises. You know exactly what you’ll earn – perfect for financial planning or retirement strategies.
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4. Flexible Terms to Suit Your Needs:
Choose terms from 6 to 36 months, depending on your needs. Whether you're looking for short-term security or long-term yield, there’s a European deposit product tailored to your situation
Financial experts advise you to secure the best interest rates now.
Marianne and Peter LaSalle from Ontario: "The security and predictable returns convinced us. I can now retire with peace of mind," says Peter (60).“It feels good to have found a stable and profitable form of investment,” adds Marianne.
Why now is the right time to act:
However, many Canadian savers still struggle to find the right investment opportunities. The problem? Traditional banks often offer low GIC rates or limited flexibility.
How to Find the Best GIC Offers
Many Canadians are frustrated by limited offers at their local banks. It’s hard to compare rates, and many high-yield GICs are offered through alternative or digital institutions.
A team of financial experts is offering free personal consultations to help Canadian savers access the best fixed-rate offers in Europe. Depending on your goals, strategies may also include dividend-generating assets alongside deposits.
Advantages for you:
- Interest rates of up to 6.25% p.a.
- Protection against inflation
- Access to top-tier GICs
- Personalised investment planning
- Sustainable and secure investment opportunities
- Sustainable, green investment options
- Free, no-obligation proposal
Disclaimer / RISK NOTICE
The information provided is for general informational purposes only and does not constitute investment advice. It does not represent an offer to purchase, or a solicitation to invest in, fixed-rate savings accounts or any other financial products. This content must not be used as the basis for any investment decision. A decision to invest in a fixed-rate savings account should only be made after carefully reviewing the full terms and conditions, product documentation, and associated risk disclosures, and after consulting with qualified legal, tax and financial advisers. Fixed-rate savings accounts are financial products involving the deposit of capital for a specified period at a fixed interest rate. While generally considered lower-risk compared to equities, funds, or other market-based investments, certain risks remain. These include potential changes in the broader interest rate environment, the financial stability of the provider institution, and macroeconomic developments that may impact the real value of returns. Such risks can be mitigated by selecting products from reputable financial institutions and ensuring that the deposit is within the limits covered by the Financial Services Compensation Scheme (FSCS), which currently protects eligible deposits up to £85,000 per authorised bank or building society.