These three accounts paid more than 1% APR pay you for your savings

These three accounts paid more than 1% APR pay you for your savings

These three accounts paid
These three accounts paid more than 1% APR pay you for your savings


The bank provides the best returns to customers who bring their salaries to the entity. This is the case of these three paid accounts: they ask for payroll and some other requirements so you can take advantage of their interest, which is much higher than the average in Spain (the average interest rate in December is 0.01% for accounts, according to BdE data). In this article, we will detail the terms of each of these accounts and tell you their benefits so that you can choose the best for you. Remember! You must make sure that you meet the conditions.


1- Bankinter Payroll Account

Bankinter Payroll is one of the most common accounts, where it has long been the account that offers the highest APR rate. These are the account properties:


Profitability. 5% April during the first year and 2% in the second year

The maximum amount to be paid. Up to 5000 euros

Account commissions. No, maintenance and management are free.

Associated card commissions. Free credit card, debit card has a commission

Free ATMs. 17,000 ATMs in Spain (all Bankinter, EURO 6000, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet)

Transfers. National and SEPA-free

Bankinter Payroll Account Requirements

l Bankinter payroll account has three conditions that must be met for the entity for the benefit of wages and not charge committees:


Localization of payrolls equal to or more than 800 euros per month

Home of three receipts per quarter (or one per month)

Make three or more payments with your credit card


2. Welcome Savings Account with Openbank Payroll

Openbank Payroll's welcome savings account also offers good interest against direct income deduction, which must be deposited monthly into the associated account, opening a payroll account. However, this account rewards savings for a shorter period than the previous period. We tell you how to pay your Openbank account:


Profitability. 5% TIN for six months. After 0.20% NIR (2.66% APR)

The maximum amount to be paid. Up to 5000 euros

Account commissions. No, maintenance and management are free.

Associated card commissions. Free credit and debit card (linked to Openbank payroll account)

Free ATMs. All Banco Santander ATMs in Spain

Transfers. Transfers in Spain and international euros without commissions


Welcome savings account requirements with Openbank payroll

Unlike the previous account, the account paid by Openbank with payroll has only one requirement:


The home income in the account is greater than or equal to 900 euros (payroll or pension)

3. Development account at Banco Mediolanum

Banco Mediolanum Evolution has somewhat more demanding requirements than the previous ones, but it is one of the best profitable accounts at the moment. These are their terms:


Profitability. 1% TIN per year to save from 1,000 to 5,000. 2% annual NIR from 5000 to 10,000 euros (1.41% APR)

The maximum amount to be paid. Up to 10,000 euros

Account commissions. No, maintenance and management are free.

Associated card commissions. Free credit and debit card

Free ATMs. All ATMs in Spain are free

Transfers. Transfers in Spain and international euros without commissions

Banco Mediolanum Evolution Account Requirements

As we mentioned, the Paid Mediolanum account has more demands than its predecessors. The following must be met:


Be part of MEDIOLANUM A TU MEDIDA (one of the following):

Payroll or home pension

Earn a monthly income by transfer of more than or equal to 700 euros and two receipts that add a minimum of 250 euros per month

Earn an income of more than or equal to 700 euros and perform operations using a credit or debit card that adds at least €3,000 per year

Earn a higher income of €700 and be the owner of a loan or loan from Banco Mediolanum

Home of two receipts that add a minimum of €250 per month and perform operations using a credit or debit card that adds a minimum of €3,000 per year

Home of two receipts that add a minimum of €250 per month and are loaned by Banco Mediolanum

Contract savings products from the same entity for at least 25,000 euros (life insurance, retirement plans ...)