EuropeFinance 

Money > Inflation | Advertorial

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 times of economic uncertainty, it’s wise to rely on stable and secure forms of investment. Fixed-rate savings accounts offer exactly that – security, predictable returns, and currently very attractive interest rates.”

GICs (Guaranteed Investment Certificates) allow you to deposit a specific amount of money for a fixed term at a guaranteed interest rate. During this term, the funds are locked in, but in return, you receive the certainty of fixed earnings. This means savers know exactly how much interest they will earn by the end of the term.

Why European fixed-term deposits are catching attention in Canada

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.

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.
  • 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.
  • ​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

Example offers from European banks:

  • Spain: up to 6.25% for 12–24 months
  • Netherlands: 5.5% for 12 months
  • UK: up to 6.0% for 18–36 months
  • All deposits are backed by local deposit guarantee schemes and offered by regulated institutions.

Marianne and Peter LaSalle from Ontario: “The planning security and the attractive interest rates convinced us. I can now retire with peace of mind,” says Peter (60).
“The high interest rates and the full transparency convinced us. It’s reassuring to know our money works harder – and is protected by deposit guarantees” adds Marianne.

Why now is the right time to act:

Even though the BoC lowered interest rates, European banks continue to compete aggressively for foreign deposits – making now a rare opportunity to lock in high fixed returns while inflation is cooling.

Get your personalised savings plan today

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, 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.