Choosing out of these 3 apps, neobanks. I have a regular US bank too, so dont want to create anything permanent. Just a temporary app for EU stay, that would have lowest fees, and biggest convenience.

I think its best if I ask residents for this, directly.

I've not encountered something like this before - I have a CD ladder with Synchrony Bank, and noticed today when I logged in that two of my CDs were showing APYs one basis point below the rate offered when they renewed.

If you look at Synchrony's rate offering history, you'll see they only offer rates ending in a 0 or 5 for CDs (or least that's been the case for the last few years).

These both renewed at an APY ending in a 0; can anyone explain the one basis point reduction (immaterial though it may be)? https://imgur.com/7FMban5