The remuneration of deposits continues to rise, gradually, but constantly. The latest offers that come from banks are classified into two large groups: those that do not require any type of connection to access the best offers and entities that require a certain commitment, such as direct debit of income to be able to contract their deposits. . fixed-term with more attractive returns.
Among the first (and which can be contracted from Spain) the Facto Account, from Banca Farmafactoring, stands out. The Italian entity pays 4.06% on its twelve-month deposit, which also works as a remunerated account, since the client can choose the maturity date. This is the only fixed-term imposition that follows the ECB’s interest rates, which after Thursday’s rise are already at 4.5%. The deposit is available from 5,000 euros and does not require the contracting of any additional product. In addition, savings are guaranteed by the Deposit Guarantee Fund, which protects up to 100,000 euros per owner and account.
EBN Banco also offers several deposits without the need to link both existing and new customers. In that sense, the profitability that Sinycon Plus currently offers in its one-year fixed-term deposits is 3.20%, a product that can be contracted from 10,000 euros and that is under the umbrella of the Deposit Guarantee Fund Spanish.
MyInvestor deposits can be accessed until September 30. The neobank owned by Andbank and El Corte Inglés, among others, offers several products, with a profitability that reaches 3% for terms of six and twelve months and also has the protection of the Spanish Deposit Guarantee Fund. In this case the client does not have to be linked to the entity. They are available between 10,000 and 100,000 euros.
ING offers lower profitability, which as the only requirement requires being a client of the bank. In these cases, the remuneration that can be achieved ranges from 1.75% for twelve months for a maximum tax of 50,000 euros and 2% if it exceeds that amount. They also have the protection of the Dutch guarantee fund. Renault Bank is another entity that offers an extra rate for savings. Specifically, 3.85% through the ‘Depósito Tú’, but in this case the term is increased to 24 months.
Linked deposits: up to 3%
As for linked deposits, the best offer flirts with the official price of eurozone money. The most profitable is offered by Arquia Banca with an interest of 4%, but for six months, and which is available for purchase from 1,000 euros to 30,000 euros. To be able to hire, it is necessary to meet at least one of the following requirements: domiciliate a payroll of more than 900 euros or be self-employed for an import of more than 275 euros; contract an investment fund or pension plan from the Arquia range for imports equal to or greater than 5,000 euros, excluding guaranteed funds and plans, profitability objectives and fixed income.
Although the knock on the table was given by Openbank, Banco Santander’s digital bank, with a six-month fixed-term deposit with a remuneration of 3.07%. But to be able to hire it, a home income is necessary, for 600 euros per month. Otherwise, interest drops. In this case, there is no minimum or maximum contract import.
Finally, Caixabank has also launched a one-year deposit. To access it, direct debit of income and the contracting of life or home insurance are required. Even so, the profitability remains at 2%. Otherwise, the interest drops to 1%.
Kelisto expert, Pedro Ruiz, explains that after the latest interest rate increase by the ECB, “with some exceptions we will not see the best deposits on the market going to increase the interest they currently pay much more.”
