| Säästötilit | MyInvestor Super Deposit (1M Premium) ES | 4.00% | 3.24% | -1.26% | 1-month term, €1k-€5k only, requires Premium Plan (€7.99/mo), 4.00% TAE |
| Säästötilit | Banco BiG - Gran Depósito (1M) ES | 4.00% | 3.24% | -1.26% | 3.93% TIN (4.00% TAE) for 1 month, new clients, Portuguese Deposit Guarantee Fund, April 2026 |
| Valtionlainat | Bono del Estado 10Y ES | 3.53% | 2.86% | -1.64% | 10-year Spanish government bond, long-term benchmark |
| CLO-ETF:t | Palmer Square EUR CLO Senior (PCLD) EU | 3.58% | 2.70% | -1.80% | TER: 0.25%, passive AAA/AA EUR CLO index tracker. |
| CLO-ETF:t | State Street Blackstone Euro AAA CLO UCITS ETF (ECLO) EU | 3.53% | 2.66% | -1.84% | TER: 0.25%, actively managed AAA EUR CLOs, sub-advised by Blackstone Credit. |
| Säästötilit | Banco BiG - Gran Depósito (6M) ES | 3.25% | 2.63% | -1.87% | 3.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| CLO-ETF:t | Invesco EUR AAA CLO (CLOD) EU | 3.48% | 2.62% | -1.88% | TER: 0.25%, AAA-rated EUR CLOs, floating rate, adjusts with ECB rates. |
| CLO-ETF:t | Invesco EUR AAA CLO Acc (CLOA) EU | 3.48% | 2.62% | -1.88% | TER: 0.25%, AAA-rated EUR CLOs, accumulating, ISIN: IE000Y2JPPS4 |
| CLO-ETF:t | Janus Henderson EUR AAA CLO UCITS ETF EU | 3.48% | 2.62% | -1.88% | TER: 0.25%, Janus Henderson EUR AAA CLO UCITS ETF, floating rate, maximum credit rating. |
| CLO-ETF:t | UBS EUR AAA CLO UCITS ETF (CHSJ) EU | 3.48% | 2.59% | -1.91% | TER: 0.25%, AAA-rated EUR CLO tranches, actively managed by UBS. |
| CLO-ETF:t | iShares € AAA CLO Active (EUCL) EU | 3.43% | 2.58% | -1.92% | TER: 0.25%, actively managed AAA CLOs by BlackRock. |
| Valtionlainat | Bono del Estado 2Y ES | 3.03% | 2.45% | -2.05% | 2-year Spanish government bond, fixed rate |
| Säästötilit | Deutsche Bank Depósito Confianza (12M) ES | 3.00% | 2.43% | -2.07% | 12-month term, €10k-€300k, bonuses for nómina + card |
| Säästötilit | Banco BiG - Gran Depósito (3M) ES | 3.00% | 2.43% | -2.07% | 2.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Säästötilit | EBN Banco (12M with investment) ES | 2.85% | 2.31% | -2.19% | 12-month term, €10k min, requires investment product |
| Valtionlainat | Letras del Tesoro 12M ES | 2.80% | 2.27% | -2.23% | Zero-coupon 12-month Spanish Treasury bill, benchmark asset |
| Säästötilit | Openbank Open 4M (w/ conditions) ES | 2.78% | 2.25% | -2.25% | 4-month term, salary €900+ required, else 1.76% |
| Lyhyen koron ETFt | Xtrackers II EUR Corporate Bond 0-1Y EU | 2.90% | 2.25% | -2.25% | TER: 0.12%, YTM ~2.90%, eurozone corporate bonds 0-1Y |
| Valtionlainat | Letras del Tesoro 6M ES | 2.70% | 2.19% | -2.31% | Zero-coupon 6-month Spanish Treasury bill, sold at discount |
| Lyhyen koron ETFt | Amundi Prime Euro Gov Bonds 0-1Y EU | 2.73% | 2.17% | -2.33% | TER: 0.05%, YTM ~2.45%, ultra-short eurozone government bonds |
| Lyhyen koron ETFt | Vanguard EUR Eurozone Gov Bond 0-1Y EU | 2.73% | 2.15% | -2.35% | TER: 0.07%, ultra-low cost, passive eurozone sovereign 0-1Y |
| Lyhyen koron ETFt | iShares € Govt Bond 0-1yr (IEGE) EU | 2.73% | 2.14% | -2.36% | TER: 0.09%, YTM ~2.45%, eurozone sovereign debt 0-1Y duration |
| Säästötilit | Renault Bank Tú+ (36M) ES | 2.63% | 2.13% | -2.37% | 36-month term, interests at maturity |
| Säästötilit | Volkswagen Bank (12M) ES | 2.55% | 2.07% | -2.43% | 12-month term deposit via Raisin |
| Säästötilit | Scalable Capital Savings ES | 2.50% | 2.02% | -2.48% | Variable 2.50% for all customers since Mar 2026, no plan required |
| Säästötilit | Trading 212 Flexible Savings ES | 2.40% | 1.94% | -2.56% | UK fintech, investor protection ~€20k, instant access |
| Säästötilit | Banca March AVANTIO (12M) ES | 2.30% | 1.86% | -2.64% | 12-month term, €30k-€300k, online via AVANTIO |
| Säästötilit | Bunq Easy Savings (Weekly) ES | 2.26% | 1.83% | -2.67% | Weekly compound, higher balances get 2.26%, base 1.51% |
| Säästötilit | Trade Republic Cash Account ES | 2.25% | 1.82% | -2.68% | Heti käytettävissä, maksaa EKP:n talletuskoron, 100 000 € talletussuoja kumppanipankkia kohden |
| Säästötilit | MyInvestor Deposit (3M Premium) ES | 2.25% | 1.82% | -2.68% | 3-month term, requires Premium Plan (€7.99/mo), up to 2.25% TAE |
| Säästötilit | Cetelem Depósito 24M ES | 2.25% | 1.82% | -2.68% | 24-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Säästötilit | Banco Santander 12M Term ES | 2.20% | 1.78% | -2.72% | 12-month term deposit, €10k minimum |
| Lyhyen koron ETFt | Lyxor EUR 2-10Y Inflation Expectations EU | 2.45% | 1.78% | -2.72% | TER: 0.25%, inflation-linked bonds, hedges inflation risk |
| Säästötilit | MyInvestor Remunerated Account (Premium) ES | 2.10% | 1.70% | -2.80% | Requires Premium Plan (€7.99/mo), up to €70k, instant access |
| Rahastomarkkina-ETFt (MMF) | iShares € Ultrashort Bond (ERNE) EU | 2.19% | 1.70% | -2.80% | TER: 0.09%, distributing, very short duration bonds |
| Säästötilit | Cetelem Depósito 12M ES | 2.10% | 1.70% | -2.80% | 12-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Rahastomarkkina-ETFt (MMF) | Xtrackers EUR Overnight Rate (XEON) EU | 2.19% | 1.69% | -2.81% | TER: 0.10%, tracks €STR, accumulating, liquid daily |
| Rahastomarkkina-ETFt (MMF) | Amundi Smart Overnight Return (CSH2) EU | 2.19% | 1.69% | -2.81% | TER: 0.10%, accumulating, liquid daily |
| Rahastomarkkina-ETFt (MMF) | Amundi Prime Euro Liquidity EU | 2.19% | 1.69% | -2.81% | TER: 0.10%, distributing, T+1 liquidity |
| Rahastomarkkina-ETFt (MMF) | HSBC GIF Euro Liquidity EU | 2.19% | 1.69% | -2.81% | TER: 0.10%, AAA-rated MMF, institutional quality |
| Rahastomarkkina-ETFt (MMF) | JPMorgan Euro Liquidity Fund EU | 2.19% | 1.68% | -2.82% | TER: 0.11%, government MMF, daily liquidity |
| Rahastomarkkina-ETFt (MMF) | Invesco Euro Liquidity EU | 2.19% | 1.68% | -2.82% | TER: 0.12%, accumulating, daily liquidity |
| Sijoitusrahastot | Amundi Euro Liquidity ES | 2.19% | 1.68% | -2.82% | TER: 0.12%, T+1 liquidity |
| Sijoitusrahastot | HSBC Euro Liquidity Fund EU | 2.19% | 1.67% | -2.83% | TER: 0.13%, T+1 liquidity, institutional |
| Säästötilit | MyInvestor Super Deposit (1M) ES | 2.05% | 1.66% | -2.84% | 1-month term, €10k-€100k, no conditions, Q2 2026: 2.05% TAE |
| Rahastomarkkina-ETFt (MMF) | BlackRock ICS Euro Liquidity EU | 2.19% | 1.65% | -2.85% | TER: 0.15%, institutional money market fund |
| Rahastomarkkina-ETFt (MMF) | Goldman Sachs Euro Liquid Reserves EU | 2.19% | 1.65% | -2.85% | TER: 0.15%, prime MMF, T+1 liquidity, AAA-rated |
| Säästötilit | N26 Savings Account ES | 2.00% | 1.62% | -2.88% | Metal plan only (€16.90/mo), instant access |
| Säästötilit | N26 Metal Savings ES | 2.00% | 1.62% | -2.88% | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Säästötilit | Lightyear Cash Account ES | 1.91% | 1.55% | -2.95% | Virolainen välittäjä — sijoittajien suoja 20 000 €, EI talletussuojaa; Vault sijoittaa rahamarkkinarahastoihin |
| Säästötilit | Revolut Savings Vault EU | 1.85% | 1.50% | -3.00% | Premium/Metal plans, instant access, up to €100k |
| Säästötilit | Openbank Cuenta Nómina ES | 1.80% | 1.46% | -3.04% | Santander subsidiary, salary required, instant access |
| Säästötilit | B100 Cuenta Save ES | 1.75% | 1.42% | -3.08% | Instant access, up to €50k, monthly interest, neobank |
| Säästötilit | Bunq EasyBank Savings ES | 1.56% | 1.26% | -3.24% | Instant access, Dutch deposit guarantee, monthly interest |