Best savings accounts
Editorial comparison of savings accounts available in Spain, with no affiliate links, showing the APY and main conditions of each.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| Revolut | Up to 3.51% APY | Promotional rate for new customers, no salary domiciliation required, €25,000 maximum, interest paid daily. Promotion valid until 16/10/2026. |
| Trade Republic | 3.04% APY | No balance limit or requirements, for new customers (2.02% APY for existing customers). No opening or maintenance fees. |
| Bankinter | 5% APY first year / 2.50% APY | 5% APY the first year on the Cuenta Nómina (requires salary domiciliation); 2.50% APY on the Cuenta Digital with no salary domiciliation needed. |
| MyInvestor | 2.50% APY | For new and existing customers, with no additional tie-in requirements. |
| Openbank | 2.50% APY | Promotional rate valid until September 2026; check conditions after that date. |
| Pibank | 1.76% APY | From the first euro, no maximum balance limit, with monthly interest payments. |
This comparison has no affiliate links and doesn't earn a commission for recommending any institution. The rates shown are public data verified on the date indicated above; many are promotional and can change or expire, and some require salary domiciliation or other conditions. Always verify the current terms on each institution's official website before signing up, and also consider the applicable deposit guarantee scheme, service quality, and other factors not reflected in the APY.
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Frequently asked questions
Does this comparison recommend a specific account?
No. It's an editorial comparison with no affiliation; the order doesn't imply a recommendation — it just groups the public information available so you can compare based on your own needs.
Why are some rates promotional and others not?
Many institutions attract new customers with high rates for a limited period, which then drop to a standard rate. Always check the promotion's end date before deciding.
How often is this comparison updated?
Savings account rates change fairly often. The "data verified in" date shows when it was last reviewed; if a while has passed since then, check current conditions on each institution's website.