Los depósitos más rentables a largo dan el salto hasta el 3,6%

Long-term deposit rates in Europe have continued to climb, with banks offering attractive returns as they anticipate higher interest rates in the Eurozone. Several institutions across the continent have raised the profitability of their deposits to the highest levels in recent years. The most notable improvement is seen with Bankb from Bulgaria, which has significantly increased the remuneration for deposits between 84 and 96 months, raising rates from 2.5% to 3.6% AER (annual equivalent rate).

This new level represents the current ceiling in the Spanish market, pending an official euro price hike to 2.5% at the European Central Bank's September meeting. Similarly, Achmea Banco in the Netherlands and BluOr Bank in Latvia have also raised the profits of their best products to 60 and 72 months, and 12 months, respectively, reaching rates of 3.38%, 3.43%, and 3.4% AER.

These moves provide secure options for those seeking significant returns over an extended period. The 3.6% ceiling aligns with Spain's July inflation rate, ensuring that the maximum limit would maintain the purchasing power of money. The improvements extend to short and medium-term deposits as well. For example, 12-month deposits at BluOr Bank in Latvia now offer a rate of 3.4% AER, matching the rates offered by Lithuanian entities SmeBank and BfJord, which both pay 3.1%.

All deposits with increased profitability in recent days can be contracted through the European deposit platform Raisin. These banks are guaranteed up to 100,000 euros by their respective countries' deposit guarantee funds. After this week's rate hikes, the best offers now offer a wider margin compared to the best Spanish institutions.

The most generous Spanish institution, in both 6 and 12-month terms, is Miraltabank, providing 2.67% and 2.75% AER, respectively. The most comprehensive offer belongs to EBN Banco, one of the most competitive price entities in Spain recently. It pays between 2.20% and 2.35% AER in the three-month to one-year bracket. Banca March, MyInvestor, Self Bank, and WiZink complete the list of Spanish passport-banks offering rates above the average.