Raisin.ie add Aareal Bank AG (DE)

Two years for just 3.3% AER is a long time to have your money potentially locked away. IMO it's a bad deal :-

 
With a predicted climate of rate cuts, I think the 3.3% for 2 years is a decent rate with a german bank. I have just locked in with some cash I had in a demand account with morrow
 
Which is the best place from the list below to save regularly and have instant access and is safe
  • N26
  • Trade Republic
  • Lightyear
  • Advanzia
  • Raisin
 
Raisin whilst it may be instant access it is really all that instant. Money has to transfer from the account back to your raising account which I have heard can take a few days. Then if you want to transfer it out of Raisin that can also take a day or so. I found Advanzia quite cumbersome to set up and use and the rate changes drops quite a lot after 6 months or something like that so not worth the hassle in my opinion. Other than that just go with the best rate.
 
N26 imo - 2.8% and up to 4% if metal. Credited monthly and decent app. Instant transfer between savings and current account