Best pre-savings tools in Spain

Trade Republic's interest-bearing account stands out for its high yield of 2.02% AER with no balance limit, making it one of the best options for liquid pre-saving. It allows money set aside to generate significant interest while remaining available.

Indexa Capital is a leading robo-advisor in Spain, ideal for long-term savings thanks to its portfolios of index funds and pension plans with low fees. Its automated model and the recent inclusion of a money market fund make it very versatile for different savings profiles.

Finizens is an established robo-advisor that offers highly diversified index fund portfolios and a decreasing fee policy. It is a solid option for the long-term investor seeking professional management and long-term cost optimization.

MyInvestor Roboadvisor stands out for its accessibility, allowing investment in indexed portfolios with a minimum capital of just 150 euros and very low fees. It is an excellent option for those who wish to start pre-saving through automated investment without large initial outlays.

Revolut is a versatile neobank that facilitates saving through features like payment round-ups, flexible interest-earning accounts, and ETF investment plans. Its 'all-in-one' platform makes it a very comprehensive tool for daily financial management and automated saving.

N26 offers very effective pre-saving features like 'Roundups' and 'Spaces' (sub-accounts), which allow you to organize and accumulate money automatically. Its interest-bearing savings account adds an additional incentive for the funds set aside.

MyInvestor's interest-bearing account is a safe and practical option for setting money aside, offering competitive returns without fees. With a Spanish IBAN and local regulation, it is ideal for those looking for their money put aside to reliably earn interest.

Goin is a microsavings app that offers multiple features such as rounding up expenses, smart habits, and automatic cashback. Its gamified approach and the automation of challenges make it very effective for accumulating money in an almost imperceptible way.

Coinscrap offers great flexibility in the types of round-ups and other automatic saving methods, such as periodic contributions or 'step-by-step saving'. It is a versatile tool for micro-saving, allowing users to customize how and when to set aside money.

Arbor Fintech combines automatic micro-saving through round-ups and challenges with the option to invest the money saved. This duality makes it a complete tool for pre-saving, facilitating both the accumulation and the generation of returns from capital.

BBVA's 'Program your Account' feature allows its customers to automate purchase rounding, sending the difference to a savings account. It's a convenient option for those who prefer to integrate pre-saving directly with their usual bank without using external apps.

Abanca's 'Cuenta Calderilla' (Small Change Account) offers a specific round-up method for its customers, allocating the difference from purchases to a savings account. It's an integrated option for automatic saving that adapts to the spending habits of the bank's users.