Best interest-bearing accounts in Spain

Discover the top interest-bearing accounts in Spain offering competitive rates. We compare traditional savings accounts, fixed-term deposits, and savings portfolios managed by online investment platforms. Find the ideal option to grow your savings, whether you prioritize flexibility or the highest interest rates available. This guide is perfect for residents and expats looking to optimize their investments in the Spanish financial market.

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  1. 1

    Revolut Savings Account (March 2026)

    277 Global Votes

    This online savings account offers a good interest rate for new clients, with the added benefit of daily interest payments. It's a flexible option for those who prefer managing their finances digitally.

  2. 2

    Banca Progetto Fixed-Term Savings Account (via Raisin) (March 2026)

    89 Global Votes

    This fixed-term account offers competitive rates for deposits locked between 3 and 24 months, providing flexibility in terms. It's a secure option with a robust deposit guarantee.

  3. 3

    Bunq Free Account (March 2026)

    20 Global Votes

    This account offers a good interest rate for EUR savings, with even higher rates for USD and GBP, up to a significant limit. It's a versatile option for those holding multiple currencies.

  4. 4

    Trade Republic Savings Account (March 2026)

    18 Global Votes

    This account offers a competitive interest rate on an unlimited cash balance, providing significant flexibility for savers. Its monthly interest payments and optional cashback card add to its appeal.

  5. 5

    ING Orange Account (March 2026)

    8 Global Votes

    This account provides an excellent short-term promotional rate for new customers without any fees or minimum deposit requirements. It's a straightforward option for those looking to boost their initial savings.

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  7. 6

    Banca Sistema Fixed-Term Savings Account (via Raisin) (March 2026)

    8 Global Votes

    Another strong option for fixed-term deposits through Raisin, this account provides good rates for longer commitments. It's ideal for those seeking stable returns over a defined period with deposit protection.

  8. 7

    MyInvestor Cuenta Remunerada (March 2025)

    2 Global Votes

    This account offers a good introductory rate for moderate savings during the first year, making it a suitable option for those starting their savings journey. It provides a decent return on initial deposits.

  9. 8

    Bankinter Cuenta Nómina (March 2026)

    0 Global Votes

    This account stands out with one of the highest promotional rates for the first year, making it ideal for individuals with a regular salary. The significant interest on a substantial balance provides excellent short-term returns.

  10. 9

    Health Bill for B100 (March 2026)

    0 Global Votes

    Offering a very high APR, this account is unique for linking savings to health goals, appealing to a specific niche. It provides excellent returns for those who can meet its conditions.

  11. 10

    Raisin Cuenta de Bienvenida (March 2026)

    0 Global Votes

    This welcome account offers one of the highest short-term introductory rates, serving as an excellent entry point to a broader range of higher-yielding fixed-term deposits. It's a flexible and commission-free online option.

  12. 11

    Banco Sabadell Account (March 2026)

    0 Global Votes

    This account offers a strong introductory rate and a significant cash bonus for direct salary deposits, combining competitive interest with additional financial incentives. It also provides the convenience of a traditional bank.

  13. 12

    Renault Bank Cuenta Contigo (February 2026)

    0 Global Votes

    This account offers a competitive interest rate with no limit on the remunerated amount, making it highly attractive for larger savings. Its simplicity, lack of conditions, and immediate fund availability are key benefits.

  14. 13

    Openbank Interest-Bearing Account (March 2026)

    0 Global Votes

    This account provides a competitive interest rate on a substantial balance, complemented by attractive cash bonuses for meeting specific conditions. It's a strong choice for those looking for both yield and incentives.

  15. 14

    ABANCA Savings Account (March 2026)

    0 Global Votes

    This account provides a solid interest rate for those willing to direct their salary, with no limit on the amount that can earn interest. It's a straightforward option for consistent savers.

  16. 15

    inbestMe Savings Portfolio (October 2024)

    0 Global Votes

    This platform offers a strategic option for maximizing profitability with a variable yield linked to ECB rates and tax deferral benefits. It's suitable for those comfortable with a managed portfolio approach.