Best Vacation Savings Accounts in March 2026

The best vacation savings account offers a high APY or built-in goal-tracking tools to help you visualize your progress and stay motivated as you save. We reviewed over 140 digital and savings accounts and curated a list of 10 best accounts to boost your vacation and travel savings.

Top 9 vacation and travel savings accounts

Many of these popular accounts have built-in savings tools to keep you motivated and on track as you save for your next vacation.

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• SoFi Checking and Savings: Up to 3.30% APY
• Revolut: Up to 5.5% APY
• Wealthfront: 3.3% APY
• Varo: Up to 5.00% APY
• Bask Bank Interest Savings Account: 3.75% APY
• Current: Up to 4% APY
• Uphold: Up to 3.75% APY
• Marcus Online Savings: 3.65% APY
• Ally: 3.2%APY

Finder Score	Interest compounding	Annual Percentage Yield (APY)	FDIC or NCUA insured amount	Minimum balance to earn APY	Minimum deposit to open
Finder score 9.2 Excellent SoFi Checking and Savings	Finder score 9.2 Excellent	Daily	Up to 3.30%	Up to $250,000	$0	$0	Earn up to 4.00% APY on savings and $50 or $400 with direct deposit. Open a new SoFi Checking and Savings account by 31 December 2026, set up eligible direct deposit within 60 days, and maintain direct deposit for six months. T&Cs apply.	Go to site View details Compare product selection Compare	loading	Why we like it The SoFi Checking and Savings account earns a spot for its flexibility, high APYs and lack of fees. There are no monthly service fees, overdraft fees, foreign transaction fees or opening deposit requirements. Create up to 20 savings Vaults to keep your vacation savings and regular savings separate while earning interest. Turn on savings roundups to round up your purchases to the nearest dollar to send that change into Vault of your choice. Earn up to 0.50% APY on checking, and up to 3.30% on savings. To earn the best savings rate, you can set up direct deposit, or deposit at least $5,000 per month, or become a Plus member ($10/mo). However, there's a 0.2% currency exchange fee from Mastercard for international transactions. Pros & cons Pros Earn 0.50% APY on checking Up to 3.30% APY on savings Savings roundups Cons $4.95 for cash deposits Deposit requirements or subscription fee for best APY
Finder score 9.6 Excellent Revolut	Finder score 9.6 Excellent	Daily	Up to 5.50%	Up to $250,000	$0	$0	Join Revolut and get $20. Make your first virtual or physical Revolut card payment to receive $20 credited to your Revolut account. T&Cs apply.	Go to site View details Compare product selection Compare	loading	Why we like it Revolut is a fintech with banking services, offering personal accounts well-designed for travelers - and it has high APYs. The Revolut High Yield Savings offers 4% to 5.5% APY on up to $10,000. You can also create up to 100 Pockets, which are savings subaccounts, to organize your vacation savings goals. The APY on your High Yield Savings depends on your plan, ranging from $0 to $16.99 per month, with Metal costing the most but offering the best rates and a complimentary metal card. On the downside, Revolut is an online-only option. Pros & cons Pros High savings APYs Create up to 100 Pockets Savings tools, like round-ups $0 plan available Cons Best APY requires Metal plan ($16.99/mo) Online only
Finder score 9.4 Excellent Wealthfront Cash Account	Finder score 9.4 Excellent	Daily	3.30%	Up to $8M FDIC insurance	$1	$1	New clients earn 3.95% APY. Boost your APY from 3.30% to 3.95% APY for 3 months when you open and fund a Cash Account. T&Cs apply.	Go to site View details Compare product selection Compare	loading	Why we like it The Wealthfront Cash Account earns a strong 4.25% APY, and it even offers an optional debit card. Earn a strong rate, stow away cash for vacation, and then you get the option to spend that cash with the debit card while on said vacation. It has no monthly fees and no balance requirements to earn the 3.3% rate, and you'll also get up to $8 million in FDIC insurance. Pros & cons Pros High 3.3% APY No balance requirements High FDIC insurance Optional debit card Cons 2.75% international transaction fee Online only
Finder score 9.4 Excellent Varo	Finder score 9.4 Excellent	Daily	Up to 5.00%	Up to $250,000	$0	$0	Start with 2.50% APY, then qualify next month for 5.00% APY on up to $5,000 by getting $1,000+ in direct deposits and a positive balance.	Go to site View details Compare product selection Compare	loading	Why we like it Varo offers up to 5.00% APY on up to $5,000. It has automatic savings round-ups called Save Your Change that rounds up purchases with your debit card and deposits the change into your savings automatically. There's also a feature called Save Your Pay, which automatically tucks away some of your paycheck for extra savings. To get the Varo savings account, you need the Varo checking, which also offers up to 6% cash back when you use your Varo debit card at select retailers. Pros & cons Pros Up to 5.00% APY No minimum opening deposit Earn up to 6% back at select retailers Cons $5.95 for cash deposits through GreenDot
Finder score 9.2 Excellent Bask Bank Interest Savings Account	Finder score 9.2 Excellent	Daily	3.75%	Up to $250,000	$0	$0	Go to site View details Compare product selection Compare	loading	Why we like it Want something simple? The Bask Bank Savings Account makes our list thanks to its powerful APY, lack of requirements and simplicity. At 3.75%, Bask comes in hot with its high rate that adds to raw value on your balance, making it easier to save for a vacation. There are no opening or balance requirements to start growing your savings, either. Pros & cons Pros Strong 3.75% APY No minimum opening deposit No messy APY tiers Cons Online only
Finder score 9.2 Excellent Current	Finder score 9.2 Excellent	Daily	Up to 4.00%	Up to $250,000	$0.10	$0	Get a $50 referral bonus by inviting your friends to join Current. Once the person receives the invite link and makes qualifying deposits of at least $200 within 45 days of opening the account, you and the referred friend each earn $50. T&Cs apply.	Go to site View details Compare product selection Compare	loading	Why we like it It's not an APY like the others, but Current offers savings pods that earn up to 4% savings rewards on up to $2,000. You can create up to three savings 'pods' to separate savings goals; a great way to organize vacation savings from everything else. Each pod can earn up to 4% on $2,000, so you're still earning savings rewards on your cash. Also, Current is an all-in-one account with no monthly fees or deposit requirements. The Current Visa Debit Card also earns cash-back rewards. Pros & cons Pros Up to 4% savings rewards on $2,000 No monthly fees or deposit requirements All-in-one account Cons No joint accounts 3% foreign transaction fee
Finder score 8.8 Great Uphold USD Interest Account	Finder score 8.8 Great	Daily	Up to 3.75%	Up to $2.5 million	$1	$0	View details Compare product selection Compare	loading	Why we like it With up to 3.75% APY, Uphold's USD Interest Account is a solid option. Balances under $1,000 earn 2% APY, so you'll need over $1,000 to get the best rate, but the 2% still crushes national averages. Uphold also has up to $2.5 million FDIC insurance, and allows for balances up to $1 million. You can also move funds around between Uphold's crypto account and the savings account. However, it's not available for residents of New York, Texas, Illinois or US overseas territories. Pros & cons Pros Up to 3.75% APY High FDIC insurance Move funds between crypto and savings Cons Not available in all states $1,000+ balance to get best APY
Finder score 8.8 Great Marcus Online Savings	Finder score 8.8 Great	Daily	3.65%	Up to $250,000	$0.01	$0	View details Compare product selection Compare	loading	Why we like it A trusted bank that focuses on savings products, Marcus by Goldman Sachs Savings Account earns a spot on our best list thanks to its strong 3.65% APY, lack of opening deposit and same-day transfers between banks. The account also comes with account insights through the Marcus app, which can help you track how much you've earned toward that next getaway. Pros & cons Pros High 3.65% APY No opening deposit or balance requirements Often has referral bonuses Cons Online only
Finder score 9.6 Excellent Ally Bank Savings Account	Finder score 9.6 Excellent	Daily	3.20%	Up to $250,000	$0	$0	View details Compare product selection Compare	loading	Why we like it While it has a lower 3.2% APY than top competitors, Ally is still a strong option. The Ally Bank Savings Account has no monthly fees or opening deposit requirements. It stands out with its 'envelops' feature, letting you organize savings goals, like making an envelope for a vacation fund. There are also automated saving features like round-ups. You can pair it with the Ally Bank Spending account which also has no monthly fees, and has a low 1% foreign transaction fee. Pros & cons Pros Competitive 3.2% APY No monthly fees or deposit requirements Envelopes to sort savings goals Can be paired with Spending account Cons Online only No cash deposits

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Methodology: How we choose the best accounts

Finder’s banking experts review over 140 savings accounts to narrow down the best ones to help you save for a vacation. We consider factors like APY, fees, accessibility and additional features such as ATM access and savings roundups. To narrow down the finalists, our experts consider accounts that meet the following criteria:

• At least 2.15% APY; minimum 5x times higher than the national average
• $0 monthly fees
• Minimum opening deposits equal to or lower than $100
• No strict membership requirements
• The account must be available to a majority of the U.S.

How to choose the best vacation savings account for you

While searching for the best savings account for your vacation, consider these factors when narrowing down your options:

• Competitive APY. Look at accounts that are higher than the national average, which currently sits at 0.39% APY, and ones that don’t have strict balance requirements to earn it.
• Minimal fees. Monthly fees and other charges can eat into your balance, so try to find accounts with low or easily avoidable fees.
• Signup bonuses and rewards programs. Some savings accounts offer bonuses just for signing up for the account. But before taking advantage of these offers, make sure that the account itself meets your savings goals.
• Savings goals tracker. Some accounts offer features like automatic savings plans, mobile banking and budgeting tools. These go a long way to keeping you on track with your savings goals while giving you a visual reminder of that vacation “finish line.”
• Accessibility. Some savings accounts come with an ATM card to help you access your money. If you choose one that comes with a card, you’re still under the six-monthly transaction requirement.

How much should I save for a family vacation?

The cost of your vacation will vary based on its scope and the number of people attending. Travel data aggregator Budget Your Trip suggests that the average American vacation costs about $1,584 per person, per week, whereas Twine estimates about $600 for a weekend or $2,000 for a week away for two people. ValuePenguin pegs the cost at around 2% of a household’s annual income.

The destination and length of your stay will directly influence the cost, but here’s a rough estimate of what you can expect to pay:

However, these estimates don’t include the following expenses:

Best way to start a vacation savings plan

As you plan to save for your vacation, consider things like how long you’ll be saving, the length of your trip and whether you’ll need access to your money. Once you’ve honed in on the details of your trip, here are some of the best ways to save:

• Compare products and apps. If you have a long time to save, consider opening a CD. You’ll get a higher interest rate in exchange for locking up your money for a set time. If you’re more interested in savings goal features, apps with round-ups and investing options, like Acorns and Twine, invest your spare change to meet your goals sooner.
• Set up recurring deposits. Consistency is key, so consider setting up recurring deposits into your savings account.
• Track your budget. Break down your monthly income to find out how much you can put toward your vacation each month. Even spare change from everyday purchases or small decisions like packing a lunch can snowball, helping you fund your trip sooner.
• Organize your savings. Set up a separate account for your vacation fund. Or set up multiple accounts for different vacations, so you have a designated spot to save for that trip to Disney or to the mountains.
• Track your progress. Visit a branch, log in online or use mobile banking to track your progress and motivate yourself to keep going.
• Look for incentives. Look for an account that offers a rewards program, travel points or a signup bonus.

What about a vacation savings club account?

Savings clubs work just like savings accounts, but they’re structured to help you save toward individual goals. Instead of a general savings account that you pay into occasionally, you’ll make routine contributions into an account with a specific purpose, like a vacation.

There are usually set dates when you can open and withdraw from the account, and you’ll be penalized if you withdraw early. However, vacation savings clubs offer lower interest rates than you’d find on the best high-yield savings accounts.

Are there Disney savings accounts?

Disney used to offer a savings product to save for an upcoming Disney trip called the Disney Vacation Account — but it’s been discontinued.

If you’re looking to save money for a Disney trip, you can approach it the same way you’d approach any other upcoming vacation: set a goal, look for a high-yield savings account and set up recurring contributions to meet your savings goal.

Disney also offers payment plans for select Disney packages, such as a ticket and resort hotel packing. These packages often require a deposit. But unfortunately, there are no payment plans for just buying theme park tickets or hotel room reservations, according to Disney’s own planning resource PlanDisney.

Bottom line

Vacations are essential for relaxing, but they’re not worth going into debt over. Plan ahead and create a budget to figure out how much your trip will cost and how you’ll pay for it. Then, compare savings accounts to find an option that works for your financial strategy.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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Senior writer

Steven Dashiell is an editor for Bankrate and CreditCards.com and formally a personal finance writer at Finder, specializing in credit cards, banking and growing and protecting your income. His insights and expertise has been featured on Nasdaq, U.S. News & World Report, Time, CBS, ABC, Fox Business, Lifehacker and Martha Stewart Living, among other top media. Steve holds a BA in English from University of Maryland, Baltimore County, minoring in composition and rhetoric. In his spare time Steve nerds out on birds, paints and plays a whole lot of Street Fighter. See full bio

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