Unlinked paid accounts are one of the best options for savers looking to achieve profitability without having any type of obligation, since it is not necessary to make any periodic deposits. These accounts provide a financial return on the available balance, that is, the money is at the clients’ hand at any time and in exchange they are offered interest that provides them with profits. By not requiring additional commitments to the bank, non-linked paid accounts stand out for their simplicity and accessibility.
These innovative products have been subject to improvements and updates by banks in response to the increase in rates from the European Central Bank (ECB) since its last offerings. The most important thing is that both agents of the operation meet their objectives. The financial institution obtains liquidity, while its clients are guaranteed future income.
From the Kelisto.es comparator they point out that at the current time for bank accounts we can observe a certain stability in the conditions imposed by Spanish and European entities. However, it is necessary to highlight the differences that exist in terms of remuneration. For example, through platforms such as Raisin, clients have the opportunity to contract savings accounts with the Norwegian entity Lea Bank or with the Italian Banca Progetto, which offer interest rates of 2.95% and 3%, percentages that they do not exceed. In addition, unlike what happens with deposits, the best ones that can be hired in Spain.
In Spain, for those interested in a paid account without any connection, these are some of the banks that could be of most interest: Renault Bank, Bank Norwegian, EVO Banco, Banco Sabadell… According to Pedro Ruiz, the Finance expert Kelisto.es staff, the best option is the one presented by Renault Bank with its Contigo Account, with which they offer a 2.6% TIN. Interest is calculated day by day on the balances held and is settled monthly. These conditions expire on September 26. For example, if the client maintains a constant daily balance of €10,000 over a 12-month period, at the end of the year they will receive €260 in gross income.
In the case of Bank Norwegian, it offers 2.5% interest with its Savings Account with no obligation to maintain any minimum balance in the account. If the account reaches the figure of 1,000,000 euros, the bank does not offer you any remuneration. EVO Banco also stands out for its profitability of 2.5%, although with accounts with a balance of less than 30,000 euros. Customers can take advantage of this option until November 30.
Banco Sabadell, for its part, offers with its Online Account a return of 2.5% TIN without the obligation to domiciliate the payroll. Guarantees interest up to 30,000 euros. In addition, they return 3% of debit card purchases until October 31 and it is possible to obtain another 200 euros net when opening the account.
To close the ‘top5’ you must include the N26 Savings Account which includes a return of 2.26% interest up to 50,000 euros. For example, with a daily balance of 15,000 euros for 12 months, the client will earn a total gross interest of 339 euros. These interests are paid on the first day of each month. The entity, based in Germany and operating online, details on its website that clients have the freedom to make transfers at any time and instantly, without implying the loss of interest already accrued. To access this account, users must have a personal N26 bank account with a Spanish IBAN.