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Instant Access Savings and Flexible Cash Funds are both available to German Revolut customers. Both options have no minimum amounts, and there are no fees on withdrawals.

Instant Access Savings is a demand deposit account. Interest is earned on the account balance at a rate which depends on your Revolut subscription plan, which is accrued and paid daily. As required by German tax law, we’ll make tax deduction on any interest before it's credited to you:

• Capital gains tax — 25%
• Solidarity surcharge — 5.5%
• Church tax — 0%, 8%, or 9%, based on your association with church

Instant Access Savings are only available as individual EUR accounts for German customers on the branch and have a limit of €100,000 in deposits. You can read more in our Instant Access Savings FAQs. T&Cs apply.

Flexible Cash Funds allow you to invest your money in a selection of money market funds in EUR, GBP, and USD, with no maximum investment amount. These are low-risk investment funds that pool investors' money to invest in a diversified range of short-term instruments, including:

• High-quality money market instruments, such as government securities, bank obligations, commercial paper, and other short-term obligations
• Deposits
• Repurchase agreements and reverse repurchase agreements
• Shares in eligible money market funds

With Flexible Cash Funds, you'll earn interest daily, but the interest rate is variable depending on the fund's performance. It's important to understand that your capital may be at risk if the net asset value (NAV) decreases and the Annual Percentage Yield (APY) turns negative.

Flexible Cash Funds are covered up to €22,000 by the Liabilities to Investors Insurance Scheme, in the unlikely event of the liquidation of Revolut Securities Europe UAB and its failure to protect your assets.

Revolut charges a service fee that is deducted daily from the earned interest, depending on the value of the shares you hold. You can find further fee information in the Ex-ante Costs & Charges Disclosure. Read more in our Flexible Cash Funds FAQs. T&Cs apply.

The value of your investment may go down as well as up. You may get back less than you invest.