Obrestna mera ECB (€STR)
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Obrestna mera ECB €STR čez noč v živo
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Inflacija v EU (HICP)
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Eurozone HICP YoY Live
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Lokalna inflacija
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Spain YoY Live
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Tax Rate
19.0%
Capital Gains Tax (up to €6k)
Na dohodke od obresti / varčevanja
🏆 Best Real Yield: -2.06% — Bono del Estado 10Y📊 0 od 26 izdelki premagujejo inflacijo
Podatki iz več virov: Mere in ocene so posebej označene. Stare bančne ponudbe so izključene iz trenutno najboljših donosov. Metodologija.
Analiza evropskih naložb s fiksnim donosom — Realni donosi po obdavčitvi vs inflacija
Bančne obrestne mere nazadnje pregledane: 2026-07-02. Tržno vezane obrestne mere se dnevno posodabljajo iz uradnih podatkov ECB.
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| Ustanova | Bruto donos | Po obdavčitvi | Realni donos ↓ | Podrobnosti |
|---|---|---|---|---|
| Bd | 3.63% | 2.94% | -2.06% | Referenčna mera10-year Spanish government bond, long-term benchmark |
| PS | 3.79% | 2.87% | -2.13% | Ocena modelaTER: 0.25%, passive AAA/AA EUR CLO index tracker. |
| SS | 3.74% | 2.83% | -2.17% | Ocena modelaTER: 0.25%, actively managed AAA EUR CLOs, sub-advised by Blackstone Credit. |
| IE | 3.69% | 2.79% | -2.21% | Ocena modelaTER: 0.25%, AAA-rated EUR CLOs, floating rate, adjusts with ECB rates. |
| IE | 3.69% | 2.79% | -2.21% | Ocena modelaTER: 0.25%, AAA-rated EUR CLOs, accumulating, ISIN: IE000Y2JPPS4 |
| JH | 3.69% | 2.79% | -2.21% | Ocena modelaTER: 0.25%, Janus Henderson EUR AAA CLO UCITS ETF, floating rate, maximum credit rating. |
| UE | 3.69% | 2.76% | -2.24% | Ocena modelaTER: 0.25%, AAA-rated EUR CLO tranches, actively managed by UBS. |
| i€ | 3.64% | 2.75% | -2.25% | Ocena modelaTER: 0.25%, actively managed AAA CLOs by BlackRock. |
| Bd | 3.18% | 2.58% | -2.42% | Ocena modela2-year Spanish government bond, fixed rate |
| Ld | 2.95% | 2.39% | -2.61% | Ocena modelaZero-coupon 12-month Spanish Treasury bill, benchmark asset |
| Ld | 2.85% | 2.31% | -2.69% | Ocena modelaZero-coupon 6-month Spanish Treasury bill, sold at discount |
| AP | 2.88% | 2.29% | -2.71% | Posredna ocenaTER: 0.05%, YTM ~2.45%, ultra-short eurozone government bonds |
| VE | 2.88% | 2.28% | -2.72% | Posredna ocenaTER: 0.07%, ultra-low cost, passive eurozone sovereign 0-1Y |
| i€ | 2.88% | 2.26% | -2.74% | Posredna ocenaTER: 0.09%, YTM ~2.45%, eurozone sovereign debt 0-1Y duration |
| i€ | 2.44% | 1.90% | -3.10% | Posredna ocenaTER: 0.09%, distributing, very short duration bonds |
| XE | 2.44% | 1.90% | -3.10% | Posredna ocenaTER: 0.10%, tracks €STR, accumulating, liquid daily |
| AS | 2.44% | 1.90% | -3.10% | Posredna ocenaTER: 0.10%, accumulating, liquid daily |
| AP | 2.44% | 1.90% | -3.10% | Posredna ocenaTER: 0.10%, distributing, T+1 liquidity |
| HG | 2.44% | 1.90% | -3.10% | Posredna ocenaTER: 0.10%, AAA-rated MMF, institutional quality |
| JE | 2.44% | 1.89% | -3.11% | Posredna ocenaTER: 0.11%, government MMF, daily liquidity |
| IE | 2.44% | 1.88% | -3.12% | Posredna ocenaTER: 0.12%, accumulating, daily liquidity |
| AE | 2.44% | 1.88% | -3.12% | Posredna ocenaTER: 0.12%, T+1 liquidity |
| HE | 2.44% | 1.87% | -3.13% | Posredna ocenaTER: 0.13%, T+1 liquidity, institutional |
| BI | 2.44% | 1.85% | -3.15% | Posredna ocenaTER: 0.15%, institutional money market fund |
| GS | 2.44% | 1.85% | -3.15% | Posredna ocenaTER: 0.15%, prime MMF, T+1 liquidity, AAA-rated |
| TR | 2.25% | 1.82% | -3.18% | Referenčna meraTakoj dostopno, izplačuje obrestno mero ECB za vloge, 100.000 € jamstva za vloge na partnersko banko |
| MS | 4.00% | 3.24% | -1.76% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-021-month term, €1k-€5k only, requires Premium Plan (€7.99/mo), 4.00% TAE |
| BB | 4.00% | 3.24% | -1.76% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-023.93% TIN (4.00% TAE) for 1 month, new clients, Portuguese Deposit Guarantee Fund, April 2026 |
| BB | 3.25% | 2.63% | -2.37% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-023.22% TIN (3.25% TAE) for 6 months, Portuguese Deposit Guarantee Fund, April 2026 |
| DB | 3.00% | 2.43% | -2.57% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term, €10k-€300k, bonuses for nómina + card |
| BB | 3.00% | 2.43% | -2.57% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-022.97% TIN (3.00% TAE) for 3 months, Portuguese Deposit Guarantee Fund, April 2026 |
| EB | 2.85% | 2.31% | -2.69% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term, €10k min, requires investment product |
| OO | 2.78% | 2.25% | -2.75% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-024-month term, salary €900+ required, else 1.76% |
| XI | 2.90% | 2.25% | -2.75% | Potreben pregled · Ročni pregledTER: 0.12%, YTM ~2.90%, eurozone corporate bonds 0-1Y |
| RB | 2.63% | 2.13% | -2.87% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0236-month term, interests at maturity |
| VB | 2.55% | 2.07% | -2.93% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term deposit via Raisin |
| SC | 2.50% | 2.02% | -2.98% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Variable 2.50% for all customers since Mar 2026, no plan required |
| T2 | 2.40% | 1.94% | -3.06% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02UK fintech, investor protection ~€20k, instant access |
| BM | 2.30% | 1.86% | -3.14% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term, €30k-€300k, online via AVANTIO |
| BE | 2.26% | 1.83% | -3.17% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Weekly compound, higher balances get 2.26%, base 1.51% |
| MD | 2.25% | 1.82% | -3.18% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-023-month term, requires Premium Plan (€7.99/mo), up to 2.25% TAE |
| CD | 2.25% | 1.82% | -3.18% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0224-month term, €1-€250k, quarterly interest, BNP Paribas group |
| BS | 2.20% | 1.78% | -3.22% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term deposit, €10k minimum |
| LE | 2.45% | 1.78% | -3.22% | Potreben pregled · Ročni pregledTER: 0.25%, inflation-linked bonds, hedges inflation risk |
| MR | 2.10% | 1.70% | -3.30% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Requires Premium Plan (€7.99/mo), up to €70k, instant access |
| CD | 2.10% | 1.70% | -3.30% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-0212-month term, €1-€250k, quarterly interest, BNP Paribas group |
| MS | 2.05% | 1.66% | -3.34% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-021-month term, €10k-€100k, no conditions, Q2 2026: 2.05% TAE |
| NS | 2.00% | 1.62% | -3.38% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Metal plan only (€16.90/mo), instant access |
| NM | 2.00% | 1.62% | -3.38% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| LC | 1.91% | 1.55% | -3.45% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Estonski borznoposredniška družba — zaščita vlagateljev 20.000 €, NE jamstvo za vloge; Vault drži sklade denarnega trga |
| RS | 1.85% | 1.50% | -3.50% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Premium/Metal plans, instant access, up to €100k |
| OC | 1.80% | 1.46% | -3.54% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Santander subsidiary, salary required, instant access |
| BC | 1.75% | 1.42% | -3.58% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Instant access, up to €50k, monthly interest, neobank |
| BE | 1.56% | 1.26% | -3.74% | Potreben pregled · Ročni pregled · Preverjeno 2026-07-02Instant access, Dutch deposit guarantee, monthly interest |
Noben izdelek s tega seznama po obdavčitvi ne dohaja inflacije. Najmanjša izguba je Bono del Estado 10Y (-2.06%).
⚠ Disclaimer: Ta nadzorna plošča je namenjena zgolj informiranju in ne pomeni finančnega nasveta. Prikazane davčne stopnje so poenostavljene približne vrednosti. Dejanska davčna obravnava se razlikuje glede na osebne okoliščine, dohodkovne razrede in strukturo produktov. Vedno se posvetujte s kvalificiranim davčnim svetovalcem. Pretekli donosi ne zagotavljajo prihodnjih rezultatov. Viri podatkov: ECB, Eurostat, spletne strani bank.