Najlepšie Sporenie a vklady v Portugalsko
Investovanie do Sporenie a vklady je kľúčová stratégia pre rezidentov v Portugalsko, ktorí chcú chrániť svoje úspory pred infláciou.
S infláciou 3.1% v Portugalsko a da��ovou sadzbou 28.0% je hľadanie produktov s kladným reálnym výnosom nevyhnutné.
Historický vývoj
Porovnajte priemerný výnos Sporenie a vklady s infláciou
Porovnajte výnosy Sporenie a vklady v Portugalsko
| Typ | Inštitúcia | Hrubý výnos | Po zdanení | Reálny výnos | Stav | Podrobnosti |
|---|---|---|---|---|---|---|
| Sporenie a vklady | Bankinter Conta Ordenado (1st Year) PT | 5.00% | 3.60% | +0.50% | Poráža | First year promo on €10k, salary transfer required |
| Sporenie a vklady | Banco BiG Depósito a Prazo 24M PT | 4.50% | 3.24% | +0.14% | Poráža | 24-month term, premium rate for digital strategy, April 2026 |
| Sporenie a vklady | Bankinter Depósito a Prazo 12M PT | 4.10% | 2.95% | -0.15% | Prehráva | 12-month term deposit, competitive rate, April 2026 |
| Sporenie a vklady | ActivoBank Depósito Especial 6M PT | 3.90% | 2.81% | -0.29% | Prehráva | 6-month term, ladder strategy recommended, April 2026 |
| Sporenie a vklady | Banco BiG Super Depósito (3M) PT | 3.00% | 2.16% | -0.94% | Prehráva | 3-month term, new clients, €5k-€50k |
| Sporenie a vklady | CGD Boas Vindas (6M) PT | 3.00% | 2.16% | -0.94% | Prehráva | 6-month term, new money, €500 min |
| Sporenie a vklady | Banco CTT Conta Poupança Livre PT | 3.00% | 2.16% | -0.94% | Prehráva | Up to €5k, requires salary ≥€800 or 3 direct debits, quarterly interest |
| Sporenie a vklady | BPG Start (3M) PT | 2.75% | 1.98% | -1.12% | Prehráva | 3-month promo, €2.5k-€100k |
| Sporenie a vklady | Klarna Fixed Savings (24M) PT | 2.67% | 1.92% | -1.18% | Prehráva | 24-month term, €1-€100k, German fintech |
| Sporenie a vklady | Haitong Bank (3M - No Mobilization) PT | 2.60% | 1.87% | -1.23% | Prehráva | 3-month term, €500 min, cannot withdraw early |
| Sporenie a vklady | BAI Europa Novos Clientes (3M) PT | 2.60% | 1.87% | -1.23% | Prehráva | 3-month term, new clients, €2.5k-€100k |
| Sporenie a vklady | Banco CTT Novos Montantes (3M) PT | 2.60% | 1.87% | -1.23% | Prehráva | 3-month term, new money, €5k min |
| Sporenie a vklady | Banco Carregosa Bem-Vindo (3M) PT | 2.50% | 1.80% | -1.30% | Prehráva | 3-month promo, €25k-€100k |
| Sporenie a vklady | Banco BEST Novos Clientes (3M) PT | 2.50% | 1.80% | -1.30% | Prehráva | 3-month promo, €500-€75k |
| Sporenie a vklady | Banco Atlântico Global Living (6M) PT | 2.50% | 1.80% | -1.30% | Prehráva | 6-month term, €2.5k-€500k |
| Sporenie a vklady | BPG Solidário (12M) PT | 2.40% | 1.73% | -1.37% | Prehráva | 12-month term, €5k-250k |
| Sporenie a vklady | Finantia Growth (12M) PT | 2.40% | 1.73% | -1.37% | Prehráva | 12-month, no mobilization, €50k-€500k |
| Sporenie a vklady | Openbank Novos Clientes (3M) PT | 2.30% | 1.66% | -1.44% | Prehráva | New clients, 3-month term, €1 min |
| Sporenie a vklady | Banco Santander 12M Term PT | 2.20% | 1.58% | -1.52% | Prehráva | 12-month term deposit, €10k minimum |
| Sporenie a vklady | Trading 212 Flexible Savings PT | 2.20% | 1.58% | -1.52% | Prehráva | UK fintech, investor protection ~€20k, instant access |
| Sporenie a vklady | BNI Europa Premium (12M) PT | 2.10% | 1.51% | -1.59% | Prehráva | 12-month term, €2.5k min, €2.50/mo if balance <€5k |
| Sporenie a vklady | Trade Republic Cash Account PT | 2.00% | 1.44% | -1.66% | Prehráva | Instant access, tracks ECB rate, up to €50k |
| Sporenie a vklady | N26 Savings Account PT | 2.00% | 1.44% | -1.66% | Prehráva | Metal plan only (€16.90/mo), instant access |
| Sporenie a vklady | N26 Metal Savings PT | 2.00% | 1.44% | -1.66% | Prehráva | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Sporenie a vklady | Fidelidade Savings (Opção Seguro) PT | 2.00% | 1.44% | -1.66% | Prehráva | Capitalization insurance with tax benefits: 22.4% after 5 years, 11.2% after 8 years. |
| Sporenie a vklady | Lightyear Cash Account PT | 1.91% | 1.38% | -1.72% | Prehráva | Estonian broker, monthly interest, no limit |
| Sporenie a vklady | Revolut Savings Vault EU | 1.85% | 1.33% | -1.77% | Prehráva | Premium/Metal plans, instant access, up to €100k |
| Sporenie a vklady | Openbank Cuenta Nómina PT | 1.80% | 1.30% | -1.80% | Prehráva | Santander subsidiary, salary required, instant access |