The offers from Ibercaja (5% TIN) and Bankinter (4.94%) have managed to become the best remunerated accounts of the month of March. The reason? They offer the highest initial remuneration you can get today, without charging commissions and with your money always available, as is the case with any offer in this category. Of course, each of them has conditions and limitations that you must take into account to ensure that you choose the account that best suits your profile.
Remember that paid accounts are nothing more than demand deposits, which offer you a certain remuneration and total availability to withdraw your savings (or part of them) whenever you want and without assuming any penalty. However, banks can impose very different conditions on the client. For example, there are those that will ask you to direct your payroll, others limit the maximum balance subject to remuneration and some offer you a very attractive initial interest, but only for a very short period of time, and then go on to pay you a much lower remuneration. .
The Ibercaja Vamos Account does not charge commissions and offers high profitability: 5% TIN the first year and 3% TIN the second. Now, the maximum balance that it pays is 10,000 euros and to hire it you will have to direct debit your payroll and receipts, and make card purchases.
The Bankinter Payroll Account (also available in a "Non-Payroll" version) has no commissions and will pay you 4.94% TIN the first year and 1.99% TIN the second for the first 10,000 euros you have. In exchange, the entity will ask you to direct deposit the payroll and various receipts, as well as make purchases with a card.
With the Unicaja Playstation Account you will not pay commissions and you will obtain an interest of 4.91% TIN for two years, but with two limitations: this remuneration only applies to the first 2,000 euros that you have in the bank and the entity will require you to direct debit your payroll to be able to enjoy these conditions.
The Trade Republic Account from Trade Republic is an account without commissions or requirements that also offers you a high remuneration for your money: 4% TIN indefinitely for the first 50,000 euros that you keep in the entity.
The Bank Norwegian Savings Account remunerates your savings at 3.7% TIN indefinitely and with a cap on the maximum remunerated balance of 1,000,000 euros. With it you will not have to pay commissions or meet any requirements.
Without commissions or requirements, with the EBN Remunerated Account you will get a remuneration of 2.97% TIN for the balance that ranges from 1 to 20,000 euros, and 1.49% for the balance that ranges between 10,001 and 50,000 euros. Of course, to hire it you must have minimum savings of 3,000 euros.
With the Reanult Bank Contigo Account you will obtain a remuneration of 2.85% TIN for your money indefinitely. In addition, this offer has no limit on the maximum paid balance, does not charge commissions and does not require you to meet any requirements.
The EVO Banco Smart Account is, in reality, two accounts in one: the first of them is an account without commissions or conditions, in which you can carry out your daily operations. The second is a paid account with which you will earn 2.81% TIN interest indefinitely (up to a maximum of 30,000 euros), also without commissions or requirements.
The Targobank Next Account offers you a 2.5% TIN indefinitely, with a maximum paid balance of 30,000 euros. In addition, it works as an account without commissions or conditions (only for three months, since from the fourth you do have to join to avoid paying expenses) in which you can carry out your daily operations.
The Banco Sabadell Online Account offers you interest of 2% TIN indefinitely for the first 20,000 euros of balance you have. This paid account has no commissions nor does it require you to meet any requirements
In addition to the best paid accounts that can be contracted in Spain today, digital platforms such as Raisin have opened a new option for the most conservative savers: that of contracting savings accounts from foreign banks that do not work directly in the national market.
All of them, in fact, would deserve to be included in the March ranking of the best paid accounts, since they offer a TIN that ranges from 2.90% to 3.50%, indefinitely and with limits on the maximum paid balance that do not go below the 85,000 euros.
However, offers such as that of the Italian bank Banca Progetto (at 3.50% TIN), or that of the Swedish Klarna Bank (3.25% TIN) do not make it into the top 10 this month because they have certain differences with regarding paid accounts that are marketed directly in Spain. Among them it stands out that:
Although its remuneration is among the highest on the market (3.89% TIN), Account D of the online trading platform Freedom24 does not appear in the ranking of the best remunerated accounts in March 2024.
The reason? Despite being very attractive, it has certain differences with the vast majority of offers on the market, which means that it cannot be compared on equal terms. Among the most important, it stands out that:
If you have started comparing paid accounts in search of a good offer to get the most out of your money, you should know that, in addition to interest, there are other issues that you must analyze to find the ideal proposal for you: for example, the period during which the remuneration that the bank promises you is paid, if the balance to which that remuneration is applied is limited or if you have to meet any extra requirements to enjoy the advantages of a certain offer.
