If you have money sitting in a checking account earning 0% interest, you’re not saving—you’re losing purchasing power every month. Inflation never stops, and your bank isn’t going to tell you that there are better options out there.
APYData was created for this very purpose: so you can compare at a glance the returns offered by every savings and investment product available in Spain and Europe, with no fine print and no hidden advertising.
What is APY and why does it matter
APY stands for Annual Percentage Yield. It’s the figure that matters, because it takes interest compounding into account. A product that pays interest monthly has a real APY higher than its nominal rate. APYData always shows the APY so you can compare apples to apples.
The four markets we cover
Traditional banking — up to 2.56% APY
Fixed-term deposits have regained relevance following the ECB’s rate hikes. We currently track 22 products, including deposits and interest-bearing accounts, with yields ranging from 2.00% to 2.56% APY.
The best deposits currently available in Spain come from European banks accessible through platforms like Raisin: Klarna Bank offers 2.56% over 2 years, and several Nordic and Italian banks exceed 2.40% for terms of 6 to 24 months. All are covered by their country’s Deposit Guarantee Fund (up to €100,000).
Investment platforms — up to 3.33% APY
Under this umbrella, we group 9 products from deposit aggregators and brokers that offer access to diversified portfolios or money market funds. Raisin stands out as a platform that consolidates deposits from multiple European banks into a single account. The range goes from 2.50% to 3.33% APY.
Government bonds — up to 3.60% APY
Treasury bills and bonds are among the safest savings products in the world: they are directly backed by the government, with no guarantee limit. We track 13 instruments from Spain, Germany, France, Italy, and Portugal.
Spanish 30-year government bonds offer 3.60% APY, and 10-year bonds hover around 3.27%. For those seeking maximum security with reasonable returns, government bonds remain a benchmark that is hard to beat in the low-risk segment.
Crypto and DeFi — up to 6.82% APY
This is the market with the highest potential for returns and also the highest risk. We track 28 products across CeFi (centralized platforms like Binance) and DeFi (decentralized protocols like Aave, Spark, or Sky).
The highest current yields: Binance ATOM Flexible Savings at 6.82%, Aave sGHO at 5.16%, and various stablecoins (USDC, USDS) on DeFi protocols between 3.82% and 5.00%. The risk is proportionally higher: there is no government guarantee, and smart contracts come with their own risks.
How to use APYData
The comparison tool allows you to filter by category, risk level, guarantee, liquidity, and currency. Each product has its own page with full details: who offers it, how to access it, APY history, and a proprietary score that weighs profitability, security, and liquidity.
The APYData Score ranges from 0 to 10 and helps compare products that are not immediately comparable: a state-guaranteed deposit and a DeFi token may have similar APYs, but the score reflects that the risk is very different.
Data is updated automatically
Prices for products from Binance, DefiLlama, and the OECD are synchronized daily. Public debt data (interest rates for each country) is updated via the OECD API. We periodically verify manual products—such as bank deposits—against official sources.
This is just the beginning
APYData is under active development. In the coming weeks, we’ll be adding more products, more countries’ public debt data, historical APY charts, and periodic market analyses like this one.
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