Your emergency fund loses real value in a traditional savings account. Learn how HYSAs earn 10-50x more interest with zero additional risk.
Traditional banks pay 0.01-0.1% APY. High-yield savings accounts pay 4.5-5.5% APY with equal safety and liquidity.
US: Marcus by Goldman Sachs (4.5-5% APY), Ally Bank (4.5%), SoFi (up to 4.6%).
EU: Trade Republic (3.75% daily), Raisin (aggregates EU rates).
International: Wise pays interest on USD, EUR, GBP balances. Interactive Brokers money market at 4-5%.
Keep full 3-6 month emergency fund in a HYSA. Accessible within 1-2 business days. Never put emergency fund in stocks, bonds, or crypto. The market may be down exactly when you need the money.
Free to start. No bank connection needed. 150+ currencies, tax estimates for 20 countries.
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