Las dos cuentas nómina estrellas para ganar un 5%
Varias entidades son las más agresivas con su oferta en cuentas nómina, con TAE (Tasa Anual Equivalente) del 5% y el 5,10%. Leer
Several entities are aggressively offering attractive rates in nominal accounts, with an Equivalent Annual Rate (EAR) of 5% and 5.10%. Economic uncertainty due to inflation surges and the European Central Bank's (ECB) recent interest rate changes have prompted investors to focus more on preserving their savings or maximizing returns.
One of the most popular options is nominal accounts, which, besides providing attractive returns, especially in the first year, also offer liquidity in case of emergencies. Among the options available in the market, two Spanish entities stand out for offering the best conditions, with returns exceeding 5%. At the top of the list is Ibercaja, with its Vamos Nominal Account, which offers a return of 5.10% in the first year, and then 2.02% for amounts up to 20,000 euros.
The account allows access to debit and credit cards linked to the account, without any issuance or maintenance fees, as well as the ability to make transfers and manage invoices without cost. To open this product, certain requirements must be met: the account must be linked to a salary or pension of 600 euros or more, the account holder must make 6 or more transactions per semester with the credit or debit card, and receive 6 or more debits in the account per semester.
The second star product in the lineup of these offerings comes from Bankinter. Their online nominal account offers an EAR of 5% in the first year and up to 2% in the second, with a maximum reimbursable balance of 10,000 euros. The promotion is valid until March 31, 2027. The product includes a credit card if opened without fees.
The account is aimed at bank customers and new customers with a minimum monthly salary of 800 euros. To enjoy the benefits of the product, the individual must make 3 payments per quarter with the card, as well as receive three invoicing charges per quarter. It is not necessary for these to be from different issuers or in the same month.
This could be one invoice per month or, for example, three invoices in a single month and none in the following two months.
Written by urgent.news from Expansion ES's reporting — not their text. Machine-written — may contain errors; check the original before relying on it.
