Cuáles son los depósitos más rentables a 12 meses

During the current surge in inflation and interest rate hikes, families are facing challenges in safeguarding their savings and seeking profitable investments. European banks offering accounts in Spain are increasingly targeting customers' capital through deposits. While attractive offers extend to various term lengths, longer-term options are particularly appealing. The most popular term is a 12-month deposit. Three leading entities offer the most attractive returns.

At the top of the list, Sme Bank, a Lithuanian entity, leads with a 3.5% Annual Percentage Rate (APR) on deposits of €20,000 to €100,000. This investment could yield €700 in gross profits. Mano Bank, also Lithuanian, follows closely with a 3.46% APR deposit, requiring no linking or salary proof for application, and can be invested from €20,000 to €100,000.

Lastly, BluOr Bank from Latvia offers a 3.45% APR on a 12-month deposit, with a minimum of €1 and a maximum of €100,000. However, no interest payments are allowed until the maturity date, and early cancellation is only permitted within the first 14 days.

Domestic Spanish banks also provide competitive offers. Banca March has recently increased its 12-month deposit rate to 2.80% APR until October 31st for amounts ranging from €30,000 to €300,000. MyInvestor has raised its 12-month deposit rate to 3% APR since September 14th, provided the client maintains an automated portfolio of at least €150 (2.25% APR without it).

Minimum and maximum amounts are €10,000 and €100,000, respectively, with the Premium plan offering up to 3.5% APR. Cetelem now pays 2.75% APR, up from 2.27% APR, for amounts from €1 to €250,000 for existing clients. Self Bank in Spain offers a 2.75% APR for amounts from €6,000 to €100,000, with quarterly interest payments, allowing for flexible access to funds.

EBN Banco has raised its 12-month deposit rate to 2.75% APR from 2.60% APR, with a minimum of €5,000 and a maximum of €400,000, without requiring a salary proof or new money. MyInvestor further increased its 12-month deposit rate to 3% APR since September 14th, provided the client maintains or opens an automated portfolio of at least €150 (2.25% APR without it).

Minimum and maximum amounts are €10,000 and €100,000, respectively, with the Premium plan reaching up to 3.5% APR. ING Bank has also raised its 12-month deposit rates to 2% and 2.30% APR, depending on the amount deposited, ranging from no minimum to a maximum of €50,000 and a maximum of €100,000 for rates above €100,001.