The best paid accounts to hire now and save next year

Paying accounts are a great option for profitability on savings and taking advantage of the next year to make them grow without having to worry about not having it available when necessary. Many banks have launched offers on these products as a way to attract new customers, increasing interest rates and offering users who open accounts with them attractive remunerations.

Ibercaja markets one of the best paid accounts on the market, with which the entity’s new clients can arrive next Christmas with up to 500 extra euros saved just by signing up for their Vamos Account, which offers a return of 5% TIN for a maximum of 10,000 euros in the first year from the date of signing. Furthermore, in the second year of employment, an additional 300 euros of remuneration can be achieved, since the bank applies an interest rate of 3% in those next twelve months.

To be able to access these conditions, Ibercaja requires its clients to domiciliate a payroll, pension or recurring income of more than 600 euros per month with the entity, in addition to carrying out at least six operations with the card and receiving six direct debits from the account. semester By meeting these requirements and contracting Ibercaja’s free Digital Banking service, you will be able to obtain remuneration settled quarterly.

Earnings of up to 700 euros per year

The Bankinter paid Digital Account offers, without any conditions, returns from 1% TIN for account balances of up to 25,000 euros up to 1.50% for clients who have more than 50,000 euros saved, applying a rate of 1. 25% for balances between these two amounts. However, this profitability can be raised to 5% by also opening a payroll account in the online bank completely free of charge. This rate applies to a balance of up to 10,000 euros during the first year, the same as in the Ibercaja offer, but in the second year the profitability drops to 2%.

Openbank recently improved its Welcome Savings Account and now new customers will be able to see their savings grow by 2.25% TIN in the first year, without ties and with a significantly higher remunerable balance limit of 100,000 euros. For the second year, however, profitability will fall to 0.05% annually, unless the address holds its payroll and three monthly or bimonthly receipts with the entity. In the latter case, the NIR applied would be 0.20%

At Abanca, new clients can benefit from a 2% remuneration for 15,000 euros of balance in the twelve months following contracting only for monthly recurring household income exceeding 800 euros. Furthermore, depending on the amount paid monthly through payroll or pension, you can obtain a gift of 300 euros if it is above 1,200 euros or 150 euros if this amount is not reached.

Unicaja also offers a return of 2% in the first year for clients who domiciliate their payroll, which will be reduced to 1% if this condition is not met. The profits obtained will be calculated by applying this interest rate to the first 30,000 euros of account balance. The following years, the remuneration will be 0.50%. If the payroll is debited, a part of what was spent on water, electricity and telecommunications bills can also be recovered, because the entity returns 1% of the direct debit receipts.

The best profitability without domiciliating the payroll

For those looking for a paid account that offers profitability but wish to avoid having to take their payroll to a new bank, Sabadell markets its Online Account without any link with a TIN of 6% for the first three months and 2% for the following months, for which calculates an APR of 3%. This offer, with which a maximum balance of 30,000 euros can be paid, will only be available until January 2, 2024 for customers who want to take advantage of it and enter next year saving.

EVO Banco also currently has a good offer that will expire shortly, with the remuneration of the first 30,000 euros of its Welcome Smart Account guaranteed at 2.85% until the end of next January. Interest is paid monthly and the entity does not ask for commissions or other links to contract this product. In MyInvestor, no conditions are required to benefit from the 2.75% APR up to a maximum of 70,000 euros in the first twelve months, although to maintain that profitability after that date it does require a certain connection.

International offers from European banks

Beyond the Spanish market, some European banks have launched very attractive offers that can be contracted without many complications from Spain. The financial products comparator Kelisto points out the Trade Republic paid account as one of the best current options. The German broker offers a profitability of 4% for a balance of up to 50,000 euros.

Another good offer from a German entity is the N26 Savings Account, with which clients will obtain a remuneration of 2.26% APR without conditions or with a limit on the remunerable balance. Despite being a foreign bank, the profits obtained with this account are taxed in Spain, but the entity itself is in charge of withholding the amount corresponding to taxes when paying interest. This account, like the previous one, is attached to the German Deposit Guarantee fund, which guarantees money deposits up to 100,000 euros per owner.