| Spaarrekeningen | MyInvestor Super Deposit (1M Premium) ES | 4.00% | 3.24% | -0.66% | Looptijd 1 maand, 10k-100k€, vereist 4k€ in robo-advisor |
| Spaarrekeningen | Banco BiG - Gran Depósito (1M) ES | 4.00% | 3.24% | -0.66% | 4,00% JKP voor 1 maand. Exclusief voor nieuwe klanten. Beschermd door het Portugese depositogarantiefonds. |
| Staatsobligaties | Bono del Estado 10Y ES | 3.53% | 2.86% | -1.04% | 10-year Spanish government bond, long-term benchmark |
| CLO-ETF's | Palmer Square EUR CLO Senior (PCLD) EU | 3.62% | 2.73% | -1.17% | TER: 0.25%, passive AAA/AA EUR CLO index tracker. |
| CLO-ETF's | State Street Blackstone Euro AAA CLO UCITS ETF (ECLO) EU | 3.57% | 2.69% | -1.21% | TER: 0,25%, actief beheerde AAA EUR CLOs, sub-geadviseerd door Blackstone Credit. |
| CLO-ETF's | Invesco EUR AAA CLO (CLOD) EU | 3.52% | 2.65% | -1.25% | TER: 0.25%, AAA-rated EUR CLOs, floating rate, adjusts with ECB rates. |
| CLO-ETF's | Invesco EUR AAA CLO Acc (CLOA) EU | 3.52% | 2.65% | -1.25% | TER: 0.25%, AAA-rated EUR CLOs, accumulating, ISIN: IE000Y2JPPS4 |
| CLO-ETF's | Janus Henderson EUR AAA CLO UCITS ETF EU | 3.52% | 2.65% | -1.25% | TER: 0,25%, Janus Henderson EUR AAA CLO UCITS ETF, variabele rente, top rating. |
| Spaarrekeningen | Banco BiG - Gran Depósito (6M) ES | 3.25% | 2.63% | -1.27% | 3.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| CLO-ETF's | UBS EUR AAA CLO UCITS ETF (CHSJ) EU | 3.52% | 2.62% | -1.28% | TER: 0,25%, AAA EUR CLO-tranchen, actief beheerd door UBS. |
| CLO-ETF's | iShares € AAA CLO Active (EUCL) EU | 3.47% | 2.61% | -1.29% | TER: 0.25%, actively managed AAA CLOs by BlackRock. |
| Spaarrekeningen | Deutsche Bank Depósito Confianza (12M) ES | 3.00% | 2.43% | -1.47% | 12 maanden looptijd, 10k-300k€, bonus voor salaris + kaart |
| Spaarrekeningen | Banco BiG - Gran Depósito (3M) ES | 3.00% | 2.43% | -1.47% | 2.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Spaarrekeningen | EBN Banco (12M with investment) ES | 2.85% | 2.31% | -1.59% | 12 maanden looptijd, min 10k€, vereist beleggingsproduct |
| Staatsobligaties | Bono del Estado 2Y ES | 2.84% | 2.30% | -1.60% | 2-year Spanish government bond, fixed rate |
| Spaarrekeningen | Openbank Open 4M (w/ conditions) ES | 2.78% | 2.25% | -1.65% | Looptijd 4 maanden, vereist salaris 900€+, anders 1,76% |
| Kortetermijn Obligatie-ETFs | Xtrackers II EUR Corporate Bond 0-1Y EU | 2.90% | 2.25% | -1.65% | TER: 0.12%, YTM ~2.90%, eurozone corporate bonds 0-1Y |
| Staatsobligaties | Letras del Tesoro 12M ES | 2.66% | 2.15% | -1.75% | Spaanse schatkistpromesse 12 maanden, nulcoupon, gekocht met korting |
| Spaarrekeningen | Renault Bank Tú+ (36M) ES | 2.63% | 2.13% | -1.77% | 36 maanden looptijd, rentetarief bij vervaldatum |
| Staatsobligaties | Letras del Tesoro 6M ES | 2.56% | 2.07% | -1.83% | Spaanse schatkistpromesse 6 maanden, nulcoupon, gekocht met korting |
| Spaarrekeningen | Volkswagen Bank (12M) ES | 2.55% | 2.07% | -1.83% | 12 maanden deposito via Raisin |
| Kortetermijn Obligatie-ETFs | Amundi Prime Euro Gov Bonds 0-1Y EU | 2.59% | 2.06% | -1.84% | TER: 0,05%, YTM ~2,25%, ultra-korte staatsobligaties |
| Kortetermijn Obligatie-ETFs | Vanguard EUR Eurozone Gov Bond 0-1Y EU | 2.59% | 2.04% | -1.86% | TER: 0.07%, ultra-low cost, passive eurozone sovereign 0-1Y |
| Kortetermijn Obligatie-ETFs | iShares € Govt Bond 0-1yr (IEGE) EU | 2.59% | 2.02% | -1.88% | TER: 0,09%, YTM ~2,28%, staatsobligaties eurozone 0-1 jaar |
| Spaarrekeningen | Scalable Capital Savings ES | 2.50% | 2.02% | -1.88% | Variable 2.50% for all customers since Mar 2026, no plan required |
| Spaarrekeningen | Trading 212 Flexible Savings ES | 2.40% | 1.94% | -1.96% | Britse fintech, beleggersbescherming ~20k€, direct opvraagbaar |
| Spaarrekeningen | Banca March AVANTIO (12M) ES | 2.30% | 1.86% | -2.04% | 12 maanden looptijd, 30k-300k€, online via AVANTIO |
| Spaarrekeningen | Bunq Easy Savings (Weekly) ES | 2.26% | 1.83% | -2.07% | Wekelijkse renteopbouw, hogere saldi krijgen 2,26%, basis 1,51% |
| Spaarrekeningen | Trade Republic Cash Account ES | 2.25% | 1.82% | -2.08% | Direct opneembaar, betaalt de ECB-depositorente, 100.000 € depositogarantie per partnerbank |
| Spaarrekeningen | MyInvestor Deposit (3M Premium) ES | 2.25% | 1.82% | -2.08% | Looptijd 3 maanden, vereist 150€ in robo-advisor |
| Spaarrekeningen | Cetelem Depósito 24M ES | 2.25% | 1.82% | -2.08% | 24-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Spaarrekeningen | Banco Santander 12M Term ES | 2.20% | 1.78% | -2.12% | 12 maanden termijndeposito, minimum 10k€ |
| Kortetermijn Obligatie-ETFs | Lyxor EUR 2-10Y Inflation Expectations EU | 2.45% | 1.78% | -2.12% | TER: 0.25%, inflation-linked bonds, hedges inflation risk |
| Spaarrekeningen | MyInvestor Remunerated Account (Premium) ES | 2.10% | 1.70% | -2.20% | Alleen eerste jaar, tot 70k€, direct opvraagbaar |
| Geldmarkt-ETFs | iShares € Ultrashort Bond (ERNE) EU | 2.19% | 1.70% | -2.20% | TER: 0,09%, obligaties met zeer korte looptijd |
| Spaarrekeningen | Cetelem Depósito 12M ES | 2.10% | 1.70% | -2.20% | 12-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Geldmarkt-ETFs | Xtrackers EUR Overnight Rate (XEON) EU | 2.19% | 1.69% | -2.21% | TER: 0,10%, volgt de €STR, dagelijkse liquiditeit |
| Geldmarkt-ETFs | Amundi Smart Overnight Return (CSH2) EU | 2.19% | 1.69% | -2.21% | TER: 0,10%, herbeleggend, dagelijkse liquiditeit |
| Geldmarkt-ETFs | Amundi Prime Euro Liquidity EU | 2.19% | 1.69% | -2.21% | TER: 0,10%, uitkerend, T+1 liquiditeit |
| Geldmarkt-ETFs | HSBC GIF Euro Liquidity EU | 2.19% | 1.69% | -2.21% | TER: 0.10%, AAA-rated MMF, institutional quality |
| Geldmarkt-ETFs | JPMorgan Euro Liquidity Fund EU | 2.19% | 1.68% | -2.22% | TER: 0.11%, government MMF, daily liquidity |
| Geldmarkt-ETFs | Invesco Euro Liquidity EU | 2.19% | 1.68% | -2.22% | TER: 0,12%, herbeleggend, dagelijkse liquiditeit |
| Beleggingsfondsen | Amundi Euro Liquidity ES | 2.19% | 1.68% | -2.22% | TER: 0,12%, T+1 liquiditeit |
| Beleggingsfondsen | HSBC Euro Liquidity Fund EU | 2.19% | 1.67% | -2.23% | TER: 0,13%, T+1 liquiditeit, institutioneel |
| Spaarrekeningen | MyInvestor Super Deposit (1M) ES | 2.05% | 1.66% | -2.24% | Looptijd 1 maand, 10k-100k€, geen voorwaarden |
| Geldmarkt-ETFs | BlackRock ICS Euro Liquidity EU | 2.19% | 1.65% | -2.25% | TER: 0.15%, institutional money market fund |
| Geldmarkt-ETFs | Goldman Sachs Euro Liquid Reserves EU | 2.19% | 1.65% | -2.25% | TER: 0.15%, prime MMF, T+1 liquidity, AAA-rated |
| Spaarrekeningen | N26 Savings Account ES | 2.00% | 1.62% | -2.28% | Alleen Metal-plan (16,90€/mnd), direct opvraagbaar |
| Spaarrekeningen | N26 Metal Savings ES | 2.00% | 1.62% | -2.28% | Vereist Metal-plan (16,90€/mnd), gekoppeld aan ECB |
| Spaarrekeningen | Lightyear Cash Account ES | 1.91% | 1.55% | -2.35% | Estse broker — beleggersbescherming 20.000 €, GEEN depositogarantie; de Vault belegt in geldmarktfondsen |
| Spaarrekeningen | Revolut Savings Vault EU | 1.85% | 1.50% | -2.40% | Premium/Metal-plannen, direct opvraagbaar, tot 100k€ |
| Spaarrekeningen | Openbank Cuenta Nómina ES | 1.80% | 1.46% | -2.44% | Santander-dochter, salaris vereist, direct opvraagbaar |
| Spaarrekeningen | B100 Cuenta Save ES | 1.75% | 1.42% | -2.48% | Instant access, up to €50k, monthly interest, neobank |
| Spaarrekeningen | Bunq EasyBank Savings ES | 1.56% | 1.26% | -2.64% | Direct opvraagbaar, Nederlands depositogarantiestelsel, maandelijks |