Government bonds offer one of the safest investments available, backed by sovereign governments. APYData tracks yields for treasury bills and bonds across multiple countries — US, UK, Spain, Germany, France, Italy, Australia and more — updated with official data from OECD and national treasuries.
| # | Entity | Product | APY | Score | Risk | Liquidity | View |
|---|---|---|---|---|---|---|---|
| 1 |
CETES
|
CETES 364 dias | 7.30% | 8.0 | Low | — | View → |
| 2 |
CETES
|
CETES 182 dias | 7.14% | 8.0 | Low | — | View → |
| 3 |
CETES
|
CETES 91 dias | 7.10% | 8.0 | Low | — | View → |
| 4 |
CETES
|
CETES 28 dias | 6.95% | 7.9 | Low | — | View → |
| 5 |
UK Debt Management Office
|
UK Gilt 10 años | 4.58% | 7.5 | Low | Market hours | View → |
| 6 |
New Zealand Debt Management Office
|
Nueva Zelanda Government Bond 10 años | 4.47% | 7.4 | Low | Market hours | View → |
| 7 |
Norges Bank
|
Noruega Treasury Bill 3 meses | 4.38% | 7.4 | Low | Market hours | View → |
| 8 |
Australian Office of Financial Management
|
Australia Government Bond 10 años | 4.37% | 7.4 | Low | Market hours | View → |
| 9 |
US Department of the Treasury
|
US Treasury Bond 10 años | 4.29% | 7.4 | Low | Market hours | View → |
| 10 |
US Department of the Treasury
|
US Treasury Bill 3 meses | 4.17% | 7.3 | Low | Market hours | View → |
| 11 |
UK Debt Management Office
|
UK Treasury Bill 3 meses | 4.13% | 7.3 | Low | Market hours | View → |
| 12 |
Tesoro Público (España)
|
Obligaciones del Estado 30 años | 3.97% | 7.3 | Low | Market hours | View → |
| 13 |
Norges Bank
|
Noruega Government Bond 10 años | 3.95% | 7.3 | Low | Market hours | View → |
| 14 |
Australian Office of Financial Management
|
Australia Treasury Bill 3 meses | 3.83% | 7.2 | Low | Market hours | View → |
| 15 |
Ministero dell'Economia (Italia)
|
BTP 10 años | 3.59% | 7.2 | Low | Market hours | View → |
High-quality sovereign debt is the safest reference asset in the financial system. In 2026, it is also one of the most competitive products available to conservative savers — historically unusual.
Within the Eurozone, yields vary by credit rating. Germany (AAA) offers the lowest rates (~2.50% 10Y) but maximum safety. Spain (A, ~3.27%) and Italy (BBB, ~3.50%) offer higher yields with slightly more fiscal and political risk. UK Gilts (AA, ~4.40%) lead on yield but carry GBP currency risk for EUR-based investors.
The key difference is the guarantee mechanism: bank deposits have the DGS limit (€100k per institution). Government bonds carry sovereign credit with no limit, but also no automatic payout mechanism if the sovereign defaults. For amounts above €100,000, government bonds may be preferable as they are not subject to the DGS cap.
Spain (Letras del Tesoro): Directly at tesoro.es — no fees, minimum €1,000, monthly auctions. Submit a non-competitive offer to accept the auction rate.
Other EU sovereigns: Via bond ETFs (iShares, Vanguard) on Euronext or Xetra — diversified, liquid, TER 0.07–0.20%. Or directly through brokers like Freedom24 or Interactive Brokers.
If you hold a bond to maturity, you receive the full face value regardless of intermediate price movements. If you sell before maturity and rates have risen, you will receive less than face value. For investors who can genuinely hold to maturity, this risk is eliminated. Shorter-term T-Bills and Letras minimise this risk for those who may need to sell early.
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