We are going to see how the situation is currently in terms of remunerated accounts and which ones would interest you the most to make your money grow effortlessly and without risk.
Best remunerated payroll accounts
The European Central Bank increased on February 2, 2023, for the fifth time in recent months, interest rates by 0.50 percentage points. This increase, which plays against, for example, in mortgages, has caused an increase in the profitability of savings products. If we look at the financial panorama, there are two remunerated accounts that stand out above the rest: the Caixabank Payroll Accountthe Ibercaja Vamos Account and the Bankinter Salary Account.
The first offers a return of 5% TIN or Nominal Interest Rate, for two years. The problem for an average user will be the entry requirements, since the salary is required to be greater than 2,500 euros.
For her part, the Ibercaja Vamos Account (5% the first year, up to 6,000 euros) and the Bankinter Salary Account (5% the first year, up to 5,000 euros) They are the best paid accounts for the month of March 2023 without having such inflated payrolls. The one from Ibercaja requires a monthly income of more than 1,400 euros, while the one from Bankinter is for payrolls from 800 euros per month.
After these, in case you want a little less profitability in exchange for waiving certain requirements or expanding horizons with respect to the bank in which you deposit your money, the Openbank Welcome Savings Account with Payroll (also at 5% TIN, although only 6 months), the Trade Republic remunerated account (2% TIN), the MyInvestor Account and the Banco Sabadell Online Account (both at 2% TIN), the Cajamar 360º Account (1.75%) and the With you from Renault Bank (1.61% NIR)
Paid accounts without payroll
Yeah You do not want to direct deposit your salary or another source of income, there are also a few options, although obviously with less profitability. The Trade Republic interest-bearing account (2% TIN) leads the ranking of the best interest-bearing accounts without payroll in March, followed by the MyInvestor Account and the Sabadell Online Account of Banco Sabadell (both also at 2% TIN).
Behind them are the Renault Bank Contigo Account (1.61% TIN), the Bank Norwegian Savings Account (1.5% TIN), the Lea Bank Savings Account (1.33% TIN) and the Account Orange Bank Current, for customers of any operator (1.3% TIN, with up to 1.5% for Orange customers).