The best paid accounts to invest and save in December

In December, according to data from Kelisto, the Banco Sabadell Online Account became the best remunerated account in which savers can invest. The new offer is part of a strategy by Banco Sabadell to attract new customers, since the entity’s regular customers will not be able to benefit from its advantages. It offers 6% interest for the first three months, from the bottom quarter to 2%, without linkage, the only mandatory requirement is that the account remains open for at least one year. In total, the final APR is 3%.

Banco Sabadell does not charge commissions for the main services of the Online Account, there will be no payment to maintain the account. It also does not require a minimum import to open it, although the maximum import is 20,000 euros. Another advantage offered by the entity is the refund of 3% of electricity and gas bills that are direct debited.

In second place in the ranking of the best paid accounts for December is the Vamos Account from Ibercaja, which offers a Nominal Interest Rate of 5% during the first twelve months and 3% during the second year. Unlike the Banco Sabadell account, the Vamos Account requires direct debiting of the payroll, that is, one of its conditions is that the account must be linked, making bureaucratic procedures difficult.

In the list of the best paid accounts, the Openbank Welcome Savings Account with Payroll stands out, which provides a TIN of 5% during the first year, although in the second year, the interest offered falls to 0.2%; the Bankinter Payroll Account, with a profitability of 4.94% during the first year and 1.99% during the second year; and the Unicaja PlayStation Account offers a 4.91% TIN for two years, but with a maximum of 2,000 euros paid.

Paid without connection

The main drawback of the aforementioned paid accounts is that they require direct debit of payroll to be able to access them, except for the Sabadell Online Account. In the case of not wanting to link the account, those that offer the best remunerations, according to Kelisto, are the Bank Norwegian Savings Account (3.4% TIN), the EBN Remunerated Account (2.97% TIN), the Renault Bank Contigo Account (2.85%). Behind them are the remunerated accounts of EVO Banco (2.81% TIN), MyInvestor (2.5% TIN), N26 (2.26% TIN), Cajamar (2% TIN), Pibank (2% TIN) and Banco Pichincha (2% TIN).

Europe remains above 3%

The Raisin platform presents the options that clients have to contract savings accounts from external banks. The best returns are offered by the Swedish entity Klarna, with 3%, the Norwegian Lea Bank, with 3.19%, or the Italian Banca Progetto, which offers an interest of 3.5%.

Characteristics of paid accounts

A paid account is a product that offers us a certain return in exchange for the money deposited in it. They will provide liquidity at any time, since it facilitates the possibility of always having the balance available. This means that, unlike what happens with a fixed-term deposit, with interest-bearing accounts you can recover your savings under any circumstances without paying a penalty, although the returns on deposits are more attractive.

Any remunerated account has the protection of the Deposit Guarantee Fund, a state mechanism that allows, in the event of bankruptcy of an entity, the consumer to recover up to 100,000 euros per entity and per owner.

Remunerated accounts allow you to carry out daily operations with simplicity and comfort: direct debits, free transfers, free associated cards, etc. Its main characteristics are simplicity and accessibility.