With the European Central Bank’s interest rates still at high levels, 2026 is a good year to make the most of your savings. In this article, we analyze the best savings accounts and deposits available in Spain based on the latest data from APYData.
What savings products are available in Spain?
In Spain, the main banking savings products are:
- Fixed-term deposits: fixed returns over a specific period (3, 6, 12, 24 months...)
- Interest-bearing accounts: checking accounts that pay interest on the balance, with full liquidity
- Money market funds: investment funds that invest in short-term debt, high liquidity
- Deposits on European platforms (such as Raisin): access to banks in other EU countries with higher returns
Best savings products in Spain (2026)
Here are the products rated highest by APYData, sorted by score (which combines returns, security, and liquidity):
The average APR of the top selected products is 0%, with the highest-yielding option reaching %.
What is the Deposit Guarantee Fund?
In Spain, bank deposits are protected by the Deposit Guarantee Fund (FGD) up to a maximum of €100,000 per account holder and institution. This applies to both Spanish institutions and branches of banks from other EU countries that participate in the FGD of their country of origin.
Therefore, when comparing deposits on platforms like Raisin, it’s important to verify which DGF protects each product.
How to use the APYData platform
APYData aggregates and compares financial products in real time. You can filter by:
- Category (banking, crypto, DeFi, government bonds)
- Risk level (low, medium, high)
- Liquidity (immediate, monthly, term)
- Guarantee (Spanish FGD, European FGD, government, private)
The APYData Score combines returns, security, and liquidity into a score from 0 to 10 to make comparison easier.
When is a deposit better than an interest-bearing account?
Choose a deposit if: you don’t need the money in the coming months and want guaranteed returns. Typical terms are 6, 12, or 24 months.
Choose an interest-bearing account if: you want to maintain full liquidity and be able to access the money at any time, although the interest rate is usually slightly lower.
Conclusion
With APYData, you can easily find the best savings product for your profile. Always remember to check the specific terms and conditions of each product before signing up and make sure it is protected by a recognized deposit insurance fund (FGD).
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