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Updated October 17, 2026 · SumCue Editorial Team

Top cash management accounts compared

46 providers, ranked on the terms we checked.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top cash management accounts compared
OrderProviderScoreFeaturesKey factsActions
1
Finom logo
FinomTop pickPartner

Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

8.9/10
  • No monthly fee
  • Fixed rate
  • Rewards
  • Business
Headline rate:
5%
Rate type:
Fixed
Minimum deposit:
€0
ReviewCompareVisit
2
eToro logo
eToroPartner
9.2/10
    Headline rate:
    3.8%
    Rate type:
    Variable
    Minimum deposit:
    $1 to $10,000
    		ReviewCompareVisit
    3
    Qonto logo
    QontoPartner

    1-month free trial on all Qonto plans: 1 month free

    		8.6/10
    • No annual fee
    • Business
    • Travel
    Headline rate:
    1.5%
    Rate type:
    Variable
    Minimum deposit:
    €0
    		ReviewCompareVisit
    4
    Empower Personal Dashboard logo
    Empower Personal DashboardPartner
    		9.3/10
    • Low fees
    Headline rate:
    3.5%
    Rate type:
    Variable
    Minimum deposit:
    $0
    		ReviewCompareVisit
    5
    Novo logo
    NovoPartner

    Novo cashback on eligible purchases: 1% cashback with a Novo checking account balance under $5,000; 2% with a balance of $5,000 or more

    		9.2/10
    • No monthly fee
    • Business
    Minimum deposit:
    $0
    Deposit protection:
    FDIC up to USD 250,000
    Access terms:
    On-demand access, no minimum balance requirement
    		ReviewCompareVisit
    6
    Sendwave logo
    SendwavePartner

    Sendwave Wallet cash back or rewards

    		9.0/10
      Deposit protection:
      FSCS up to GBP 85,000
      Access terms:
      Senders in Belgium, Canada, Germany, Spain, France, UK, Ireland, Italy, Portugal, US; Sendwave Wallet senders from US and UK only
      Account kind:
      Cash management
      		ReviewCompareVisit
      7
      TorFX logo
      TorFXPartner
      		8.9/10
      • No monthly fee
      Rate type:
      Variable
      Deposit protection:
      FSCS up to GBP 85,000
      Access terms:
      24/7 transfers online, in the app or by phone with a personal account manager; funds held in segregated accounts
      		ReviewCompareVisit
      8
      Betterment logo
      BettermentPartner

      Invest and earn up to $2,000

      		9.7/10
      • No monthly fee
      Headline rate:
      3.5%
      Rate type:
      Variable
      Minimum deposit:
      $10
      		ReviewCompareSee alternatives
      9
      National Building Society logo
      National Building SocietyPartner
      		9.5/10
        Term:
        12 months
        Minimum deposit:
        ZWG 180
        Access terms:
        Account opened in an instant with ATM/Debit card; cash withdrawals and deposits, SMS transaction alerts, NBS Transactor digital banking
        		ReviewCompareSee alternatives
        10
        Wealthfront logo
        WealthfrontPartner

        Cash Account APY Boost: up to 4.45% APY (3.55% base APY as of 09/18/2026)

        		9.2/10
          Headline rate:
          3.55% to 4.45%
          Rate type:
          Variable
          Minimum deposit:
          $1
          		ReviewCompareSee alternatives
          11
          Wise logo
          WisePartner
          		9.2/10
          • No annual fee
          • Business
          • Travel
          Headline rate:
          3.29%
          Rate type:
          Variable
          Deposit protection:
          EU DGS up to EUR 100,000
          		ReviewCompareSee alternatives
          12
          FutureMoney logo
          FutureMoneyPartner
          		9.1/10
          • No monthly fee
          Headline rate:
          5%
          Rate type:
          Variable
          Access terms:
          No lock-ups, request withdrawals anytime
          		ReviewCompareSee alternatives
          13
          Betterment Cash Reserve logo
          Betterment Cash ReservePartner

          New customer offer: 0.75% APY boost on Cash Reserve (4.25% variable APY): 0.75% boost on balances up to $1M (3.50% base + boost = 4.25%)

          		9.0/10
          • No monthly fee
          Headline rate:
          3.5%
          Rate type:
          Variable
          Minimum deposit:
          $10
          		ReviewCompareSee alternatives
          14
          Insignis Cash logo
          Insignis CashPartner
          		9.0/10
          • Fixed rate
          Headline rate:
          4.4% to 4.61%
          Rate type:
          Variable
          Term:
          6 to 60 months
          		ReviewCompareSee alternatives
          15
          Global66 logo
          Global66Partner
          		9.0/10
          • No annual fee
          • Travel
          Monthly fee:
          CLP 0
          Account kind:
          Cash management
          Legal entity:
          Global 81 SpA
          		ReviewCompareSee alternatives
          16
          KDI Save logo
          KDI SavePartner

          KDI Save promotional interest rate tiers effective 16 June 2026: 3.88% p.a. (Tier 1), 3.38% p.a. (Tier 2), base 2.88% p.a.

          		9.0/10
          • No monthly fee
          • Fixed rate
          Headline rate:
          2.88% to 3.88%
          Rate type:
          Fixed
          Minimum deposit:
          MYR 100
          		ReviewCompareSee alternatives
          17
          M1 Finance logo
          M1 FinancePartner
          		9.0/10
            Headline rate:
            3.35%
            Rate type:
            Variable
            Minimum deposit:
            $0
            		ReviewCompareSee alternatives
            Finom

            Ready to try Finom?

            Ranked #1 of 10.

            Visit

            Top cash management accounts compared by country

            Providers compared head to head

            The data behind this ranking

            MetricValueSample
            Median headline rate3.46 %17
            Lower quartile headline rate1.5 %17

            All data and the CSV

            Finom

            Finom

            #1 in Top cash management accounts compared

            8.9/10Visit