Najlepšie Sporenie a vklady v Španielsko
Investovanie do Sporenie a vklady je kľúčová stratégia pre rezidentov v Španielsko, ktorí chcú chrániť svoje úspory pred infláciou.
S infláciou 3.3% v Španielsko a da��ovou sadzbou 19.0% je hľadanie produktov s kladným reálnym výnosom nevyhnutné.
Historický vývoj
Porovnajte priemerný výnos Sporenie a vklady s infláciou
Porovnajte výnosy Sporenie a vklady v Španielsko
| Typ | Inštitúcia | Hrubý výnos | Po zdanení | Reálny výnos | Stav | Podrobnosti |
|---|---|---|---|---|---|---|
| Sporenie a vklady | MyInvestor Super Deposit (1M Premium) ES | 4.00% | 3.24% | -0.06% | Prehráva | 1-month term, Plan Premium required (€7.99/mo), 4.00% TAE until April 30 2026 |
| Sporenie a vklady | Banco BiG - Gran Depósito (1M) ES | 4.00% | 3.24% | -0.06% | Prehráva | 3.93% TIN (4.00% TAE) for 1 month, new clients, Portuguese Deposit Guarantee Fund, April 2026 |
| Sporenie a vklady | Banco BiG - Gran Depósito (6M) ES | 3.25% | 2.63% | -0.67% | Prehráva | 3.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Sporenie a vklady | MyInvestor Super Deposit (1M) ES | 3.00% | 2.43% | -0.87% | Prehráva | 1-month term, €10k min, no conditions, 3.00% TAE until April 21 2026 |
| Sporenie a vklady | MyInvestor Deposit (3M Premium) ES | 3.00% | 2.43% | -0.87% | Prehráva | 3-month term, Plan Premium required (€7.99/mo), 3.00% TAE |
| Sporenie a vklady | Deutsche Bank Depósito Confianza (12M) ES | 3.00% | 2.43% | -0.87% | Prehráva | 12-month term, €10k-€300k, bonuses for nómina + card |
| Sporenie a vklady | Banco BiG - Gran Depósito (3M) ES | 3.00% | 2.43% | -0.87% | Prehráva | 2.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| Sporenie a vklady | EBN Banco (12M with investment) ES | 2.85% | 2.31% | -0.99% | Prehráva | 12-month term, €10k min, requires investment product |
| Sporenie a vklady | Openbank Open 4M (w/ conditions) ES | 2.78% | 2.25% | -1.05% | Prehráva | 4-month term, salary €900+ required, else 1.76% |
| Sporenie a vklady | Renault Bank Tú+ (36M) ES | 2.63% | 2.13% | -1.17% | Prehráva | 36-month term, interests at maturity |
| Sporenie a vklady | Volkswagen Bank (12M) ES | 2.55% | 2.07% | -1.23% | Prehráva | 12-month term deposit via Raisin |
| Sporenie a vklady | Scalable Capital (PRIME+) ES | 2.50% | 2.02% | -1.27% | Prehráva | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Sporenie a vklady | Banca March AVANTIO (12M) ES | 2.30% | 1.86% | -1.44% | Prehráva | 12-month term, €30k-€300k, online via AVANTIO |
| Sporenie a vklady | Bunq Easy Savings (Weekly) ES | 2.26% | 1.83% | -1.47% | Prehráva | Weekly compound, higher balances get 2.26%, base 1.51% |
| Sporenie a vklady | Cetelem Depósito 24M ES | 2.25% | 1.82% | -1.48% | Prehráva | 24-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Sporenie a vklady | Banco Santander 12M Term ES | 2.20% | 1.78% | -1.52% | Prehráva | 12-month term deposit, €10k minimum |
| Sporenie a vklady | Trading 212 Flexible Savings ES | 2.20% | 1.78% | -1.52% | Prehráva | UK fintech, investor protection ~€20k, instant access |
| Sporenie a vklady | MyInvestor Remunerated Account (Premium) ES | 2.10% | 1.70% | -1.60% | Prehráva | Requires Premium Plan (€7.99/mo), up to €70k, instant access |
| Sporenie a vklady | Cetelem Depósito 12M ES | 2.10% | 1.70% | -1.60% | Prehráva | 12-month term, €1-€250k, quarterly interest, BNP Paribas group |
| Sporenie a vklady | Trade Republic Cash Account ES | 2.00% | 1.62% | -1.68% | Prehráva | Instant access, tracks ECB rate, up to €50k |
| Sporenie a vklady | N26 Savings Account ES | 2.00% | 1.62% | -1.68% | Prehráva | Metal plan only (€16.90/mo), instant access |
| Sporenie a vklady | N26 Metal Savings ES | 2.00% | 1.62% | -1.68% | Prehráva | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Sporenie a vklady | Lightyear Cash Account ES | 1.91% | 1.55% | -1.75% | Prehráva | Estonian broker, monthly interest, no limit |
| Sporenie a vklady | Revolut Savings Vault EU | 1.85% | 1.50% | -1.80% | Prehráva | Premium/Metal plans, instant access, up to €100k |
| Sporenie a vklady | Openbank Cuenta Nómina ES | 1.80% | 1.46% | -1.84% | Prehráva | Santander subsidiary, salary required, instant access |
| Sporenie a vklady | B100 Cuenta Save ES | 1.75% | 1.42% | -1.88% | Prehráva | Instant access, up to €50k, monthly interest, neobank |
| Sporenie a vklady | Bunq EasyBank Savings ES | 1.56% | 1.26% | -2.04% | Prehráva | Instant access, Dutch deposit guarantee, monthly interest |