Start earning 6.50% APY on your cash, today

The Earn account is the better place for your savings. Start investing on your future today
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Rand is a financial technology company, not a bank. Banking services are provided by Pecunia Cards. See your applicable agreement here.
Up to $500M insurance on assets by
Up to $500M insurance on assets by
Regulated and compliant since
Rand is a financial technology company, not a bank. Banking services are provided by Pecunia Cards. See your applicable agreement here.
RAND EARN ACCOUNT

Earn up to 6.50% APY on every penny

Earn up to 6.50% APY on your EURC with no caps on your earnings, daily payouts and flexible withdrawals.
Withdraw anytime, no lock-up periods
No maximum deposits or caps on your earnings
Interest paid daily, day after day
Up to $500M insurance through our partners
When investing, your capital is at risk and you may get back less than invested. Past performance doesn't guarantee future results.

Earn more with the incremental APY

One part of your APY is based on your balance, while the other depends on how long you keep your funds in the account.
Base APY
Your base rate depends on your balance; the more you have, the more you’ll earn. It can range from 4% APY up to 6% APY.
Bonus APY
For every 30 days you don’t withdraw funds, you’ll earn an additional 0,1% APY. You can accumulate this bonus until your total APY reaches 6,5% (Base APY + Bonus APY).

Check how much you can get with Rand

Set your balance and monthly contribution to see your potential. Move through the years with the slider.
Your Bonus APY increases by +0,1% if you don't withdraw. The first period lasts 14 days, the next 28 days (14 more than the previous), then 42 days (14 more than the previous), and so on, until your total APY reaches 6,5%. Your starting APY is based on your balance.
IN 40 YEARS YOU WILL HAVE

0€

Your Bonus APY increases by +0,1% if you don't withdraw. The first period lasts 14 days, the next 28 days (14 more than the previous), then 42 days (14 more than the previous), and so on, until your total APY reaches 6,5%. Your starting APY is based on your balance.
Open your Earn account now
OUR PRINCIPLES

Security-first approach

Insurance for your peace
WE ARE INSURED BY:
Insurance for your peace
We have partnered with Copper to offer a safe experience on the custodied assets through an insurance covering up to $500M.
Learn more
Completely compliant
Rand is a company registered as official exchange by the Bank of Spain. Our registered number is D697
Check registration
Insurance for your peace
WE ARE INSURED BY:
TESTIMONIALS

“After using Rand I’m confident that I will be able to have a better retirement than just leaving the money in the bank”

Marc Pérez
TESTIMONIALS

“With Rand, my savings are finally working for me. It's reassuring to know I'm on track for a more secure future”

Javier López
TESTIMONIALS

“Rand transformed my approach to saving. Seeing my funds grow has been incredibly motivating and reassuring”

Ricardo Torres
RESOURCES

Relevant articles

About Rand
How does Rand Protect my money?
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Updates
Discover the New Earn Account: Enhanced Savings and Higher APY
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Updates
Rand partners with Copper to insure digital assets
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Join today and start earning 6.50% APY

+65k
Registered users
+€50M
Transacted volume
$500M
Custody insurance
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FAQs

Questions? Answers

How will I receive my earnings?
Your earnings will be added to the balance of your Earn Account on a recurrent basis. You have the flexibility to manage them anytime according to your preferences.

By keeping your earnings in the Earn Account, you allow them to continue generating compounded interest, potentially resulting in even higher returns over time. Alternatively, you can choose to transfer your earnings to your Checking account, which allows you to have greater control and accessibility to your funds. From your Checking account, you can then further allocate the funds to other accounts or initiate transfers as needed.
How is my money protected?
At Rand, we understand the critical importance of security and trust. Our commitment to these values is unwavering and is the cornerstone of our operational ethos. Here's how we embody these principles:

Compliance and Regulation

Rand takes pride in the adherence to the highest standards of compliance and regulation. We have been granted Exchange registrations by the Bank of Spain, signifying our commitment to operating within the stringent confines of European regulatory requirements.

Custody of Assets

To provide a secure environment for your assets, Rand has forged a strategic partnership with Copper. This collaboration brings to our clients a robust specie market-based insurance policy provided by the esteemed Lloyds of London, covering up to $500 million of all assets held in Copper’s ClearLoop. This substantial insurance guarantees a secure and reliable custody solution for your assets, giving you peace of mind.

Protection of Your Data and Credentials

Rand employs state-of-the-art security measures to safeguard your account. These include two-factor authentication (2FA), biometric identification, and confirmation processes for withdrawals, ensuring that access to your account is tightly controlled and your data remains protected. Furthermore, we have a dedicated team of security experts available 24/7 to assist you with any concerns or needs.

We are committed to continuously improving our security strategies and practices to ensure that your experience with Rand is not only safe but also exceeds all your expectations.
Is the Earn account completely flexible?
Absolutely! Our accounts are designed with flexibility and convenience in mind, offering a completely commission-free experience. This means you can make deposits and withdrawals to the Earn account at any time without incurring any associated costs. Our goal is to ensure that managing your finances with us is as straightforward and cost-effective as possible, giving you the freedom to move your funds as you need.
Can I open an account for my business?
Absolutely! We invite you to visit our Business Account page and complete the sign-up process. Once you've registered, our team will reach out to you within a few days to begin the onboarding process for your company. This is your opportunity to extend your financial runway and leverage your company's treasury to work harder.
Where is Rand available?
Rand is currently available in Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Italy, Latvia, Lithuania, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

We are continually working to expand our presence and bring the benefits of Rand to even more countries. Stay tuned for updates on our expansion efforts.

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