Leaving savings in a standard current account often means missing out on potential earnings, whereas interest-bearing accounts allow funds to generate returns without the long-term lock-in of fixed deposits. In October 2026, the market offers various options where users can maintain liquidity for unexpected expenses while earning extra income. However, advertised rates vary significantly based on promotional periods, maximum remunerated balances, and specific conditions such as receiving a salary or using specific payment methods.
Trade Republic leads the ranking with an offer of 3.00% TIN and a 3.04% TAE for new clients. This account stands out for not requiring payroll domiciliation, offering monthly interest payments, and providing an unlimited remunerated balance under current promotions. It includes a Spanish IBAN, Bizum integration, and a linked card with a 1% Saveback feature. The offer is specifically targeted at digital savers seeking high returns without the need for physical branches.
Bankinter's Digital Account provides a stable return of 2.96% TIN and a 3% TAE for new clients, applicable to balances up to €100,000. The interest rate is guaranteed until April 30, 2027, with monthly payouts and no maintenance fees. While it does not require payroll domiciliation, the bank offers a €600 bonus for the first 50,000 customers who do so. This option is recommended for those seeking a competitive rate from a Spanish entity with a higher balance limit than many competitors.
Openbank's Remunerated Account offers one of the highest rates in the selection, with a 3.20% TIN and a 3.25% TAE for the first 12 months. This promotion applies to new clients who transfer their Bizum to Openbank and use a valid promotional code. There is no maximum limit on the remunerated balance, and the account includes a free debit card and access to over 5,000 Santander ATMs without fees. Users should note that this high rate is promotional and may change after the initial year.
B100's Health Account offers up to a 3.15% TAE on the first €50,000, but achieving this rate requires meeting specific conditions. Clients must make at least eight purchases per month with B100 cards totaling a minimum of €200 in the previous month. Additionally, funds are transferred to the Health Account only after completing health and digital disconnection goals within the app. This account is best suited for users who already pay regularly by card and can integrate these activity targets into their routine.
Raisin's Welcome Account presents the highest TAE in the ranking at 3.10% (3.06% TIN), but this rate is limited to just three months. The offer applies to new clients with a maximum remunerated balance of €60,000 and includes monthly interest payments. After the promotional period ends, users can withdraw their funds or move them to other savings products available on the platform. This short-term high yield is ideal for those looking to maximize returns temporarily while deciding on long-term investment strategies.
bunq's Savings Account offers up to a 3.01% TIN with weekly interest payments, though the actual rate depends on the contracted plan and balance thresholds within its MassInterest system. The TAE equivalent was not specified in the available data. The account provides two free withdrawals per month and is protected by the Dutch Deposit Guarantee Fund up to €100,000. Users must be aware that the 3.01% rate is a maximum and may not apply automatically to the entire balance.
Cajamar's Wefferent Online Account offers a promotional TIN of 3% for the first six months, resulting in an annual TAE of 1.52%. This offer is directed at new clients with active Bizum and applies to balances up to €50,000. The account includes a free debit card and fee-free cash withdrawals at over 1,000 Cajamar Group ATMs. While the initial TIN is high, the effective annual return is lower than other options due to the short promotional duration.
Banco Sabadell's Online Account provides a 2.72% TIN and a 2.75% TAE for 12 months for new clients. The remuneration applies to the combined balance of the online account and linked savings accounts, up to a maximum of €100,000. It includes free debit and credit cards (subject to conditions) and fee-free withdrawals at Sabadell and EURO 6000 network ATMs. This option is suitable for those who prefer a bank with physical branches and want to combine daily operations with a one-year promotional rate.
ABANCA's Remunerated Account offers a 2% TAE (2% TIN) for the first year with no maximum balance limit, provided the client domiciles a salary or pension of at least €1,200, or social security payments of €50 per month. The account is designed for digital operations with free SEPA transfers and Bizum integration. The high return disappears after the first year unless conditions are renegotiated.
N26's Savings Account offers a 1.50% TIN and a 1.30% TAE exclusively for clients of the N26 Metal plan, which costs €16.90 per month. Unlike other accounts, it has no maximum balance limit and does not require payroll domiciliation or Bizum usage. Interest is calculated daily and paid monthly. Standard, Smart, and Go plans offer significantly lower rates, around 0.50% TAE.
ING's proposal combines a payroll account with the Orange Savings Account, offering a 1% TAE (0.995% TIN) if the client maintains a payroll account. Without a payroll account, the rate drops to 0.30%. The funds are fully liquid and protected by the Dutch Deposit Guarantee Fund up to €100,000. This option is recommended for users prioritizing centralized daily operations over maximizing interest rates.
When selecting an account, experts advise comparing the TAE rather than just the TIN, as it includes periodicity and potential costs. Key factors include the maximum remunerated balance, the duration of promotional rates, and realistic assessment of requirements such as salary domiciliation or minimum spending. Additionally, users should verify the applicable Deposit Guarantee Fund and ensure the account offers necessary features like a Spanish IBAN or Bizum for daily use.
Sources: La Vanguardia.