All fixed -term deposits that still pay 3 % April or more for savings
The market is already hosting seven discounts in interest rates from European Central Bank (European Central Bank) Since June 2024, when the agency a The monetary policy is down To give air to the economy. What is relief to many, also brings down the profitability provided in deposits with fixed terms, leaving less options than savers looking for these products. However, some offers resist at a 3 % barrier, while the ease of deposit is already 2.25 %.
In fact, users have a short and long -term option and offers links and other things that do not.
This deposit pays interest from 3.25 % to 3 months
First, it highlights 3.25 % Tae that Banco is large, Portugal and with Branch in SpainPay new customers. In addition to this interest, it also provides 3 % April in 6 months, which provides more benefit to gain more time. In this product, the entity requires depositing at least 10,000 euros and allows you to invest 75,000 euros as a maximum.
option Cancel deposit Before its validity, although doing this means losing the resulting interests.
The Belgian bank pays up to 3.15 % in the long run
To these products are added to the Belgian entity, the Belgian entity, through the raisin platform. However, these deposits that guarantee April 3 or more, require a A very long link in the range.
Specifically, the bank offers 3.15 % Tae in 10 years and 3 % April to 8 and 7 years, which, although it involves high benefit to be deposited An additional risk By preventing access to liquidity for a long time. These offers require that the minimum investment be 5,000 euros, a maximum of 100,000 euros. In addition, the possibility of canceling the deposit is not considered before the expiration.
Arquia pays interest from 3 % to 6 months
On the other hand, Arquia Banca also pays 3 % April in 6 months, although the product requires Additional employment. Specifically, to get this reward, in addition to being a new customer, the user must meet any of the following links: Get salaries more than 900 euros per month (250 euros if it is independent); Renting an investment fund or a retirement plan of at least 5,000 euros; Or to be the HNA health insurance holder under the mediation of the entity.
In this case, the deposit requires Investments between 10,000 euros and 30,000 euros His cancellation indicates the total loss of the resulting feature.
Deposit in one month provides 3 % interest
Finally, the Spanish Neobango Myinvestor also introduces its own 3 % depositHowever, the deadline is only one year. In addition, to obtain this rate, the entity requires the appointment of an automatic portfolio of at least 150 euros, without meeting these requirements, the interest decreases to 2.5 % Tae.
The product allows payments From 10,000 euros to 100,000 euros The expected cancellation is available, although it also leads to loss of attention.
