Best fixed-term deposits
Comparison of the best fixed-term deposits and savings products offering high interest rates and strong security.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| EVO Banco | 3.75% for 12 months | Flexible fixed-term deposit with no penalty for early withdrawal and no opening or maintenance fees. |
| Banco Sabadell | 3.60% for 12 months | Traditional fixed-term deposit with competitive interest rates. Monthly interest payments available. Covered by the deposit guarantee scheme. |
| Renta4 Banco | 3.50% for 12 months | Fixed-term deposit with weekly interest payments. Accessible through the bank's online platform. Guaranteed fixed interest rate. |
| Bankia | 3.40% for 12 months | Fixed-term deposit options with different maturities. Available online and at branches. Protected by the deposit guarantee fund. |
The rates shown are based on publicly available information verified in July 2026. Some offers may be promotional or subject to conditions such as minimum deposits or new customer requirements. Always check the official website before investing.
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Frequently asked questions
What's the difference between a fixed-term deposit and a savings account?
A fixed-term deposit locks your money for a specific period at a guaranteed interest rate. A savings account provides immediate access to your funds but usually offers a variable interest rate.
Is my money protected in a fixed-term deposit?
Yes. In Spain, deposits are protected up to €100,000 per depositor and bank under the Spanish Deposit Guarantee Fund.