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Best Fixed-Term Deposits in Spain 2026 2026

A fixed-term deposit guarantees a fixed return for a set period in exchange for locking your capital. They are the safest savings products available: in the EU they are guaranteed up to €100,000 per depositor per institution. In 2026, the best fixed-term deposits available from Spain exceed 2.40% APY — far above what traditional banks like BBVA, Santander or CaixaBank offer.

25
Products compared
3.51%
Best APY available
3.24%
Average APY
# Entity Product APY Score Risk Liquidity View
1
Achmea Bank
 Achmea Bank — Depósito 7 años (Raisin) 3.51% 5.9 Low Locked View →
2
Achmea Bank
 Achmea Bank — Depósito 5 años (Raisin) 3.40% 5.9 Low Locked View →
3
CA Auto Bank
 CA Auto Bank — Depósito 2 años (Raisin) 3.39% 7.1 Low Al vencimiento View →
4
Miraltabank
 Miraltabank — Depósito 3 años (Raisin) 3.38% 7.1 Low Al vencimiento View →
5
CA Auto Bank
 CA Auto Bank — Depósito 3 años (Raisin) 3.34% 5.9 Low Locked View →
6
Renault Bank
 Depósito Tú+ 36 meses 3.34% 7.1 Low — View →
7
Fjord Bank
 Fjord Bank — Depósito 2 años (Raisin) 3.30% 7.1 Low Al vencimiento View →
8
Banca Sistema
 Banca Sistema — Depósito 2 años (Raisin) 3.30% 5.9 Low Locked View →
9
SME Bank
 SME Bank — Depósito 2 años (Raisin) 3.29% 5.8 Low Locked View →
10
Banca Profilo
 Banca Profilo — Depósito 1 año (Raisin) 3.25% 7.0 Low Al vencimiento View →
11
Banca Sistema
 Banca Sistema — Depósito 1 año (Raisin) 3.25% 5.8 Low Locked View →
12
Achmea Bank
 Achmea Bank — Depósito 4 años (Raisin) 3.25% 5.8 Low Locked View →
13
Mano Bank
 Mano Bank — Depósito 2 años (Raisin) 3.25% 5.8 Low Locked View →
14
Fjord Bank
 Fjord Bank — Depósito 3 años (Raisin) 3.24% 7.0 Low Al vencimiento View →
15
Renault Bank
 Depósito Tú+ 24 meses 3.24% 7.0 Low — View →
16
Achmea Bank
 Achmea Bank — Depósito 3 años (Raisin) 3.20% 5.8 Low Locked View →
17
BluOr Bank
 BluOr Bank — Depósito 1 año (Raisin) 3.20% 6.0 Low 12-month term View →
18
Achmea Bank
 Achmea Bank — Depósito 2 años (Raisin) 3.15% 5.8 Low Locked View →
19
Nordax Bank
 Nordax Bank — Depósito 2 años (Raisin) 3.15% 5.8 Low Locked View →
20
Haitong Bank
 Haitong Bank — Depósito 3 años (Raisin) 3.14% 5.8 Low Locked View →
21
Miraltabank
 Miraltabank — Depósito 1 año (Raisin) 3.10% 7.0 Low Al vencimiento View →
22
Haitong Bank
 Haitong Bank — Depósito 2 años (Raisin) 3.10% 5.8 Low Locked View →
23
BTG Pactual Europe
 Depósito 36 meses (Raisin) 3.08% 5.8 Low Locked View →
24
Klarna Bank
 Klarna Bank — Depósito 4 años (Raisin) 3.05% 7.0 Low Al vencimiento View →
25
Avarda Bank
 Avarda Bank — Depósito 3 años (Raisin) 3.05% 7.0 Low Al vencimiento View →
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Why the best fixed-term deposits are no longer at your usual bank

Spain's largest banks (BBVA, Santander, CaixaBank) offer between 0.10% and 1.10% APY on fixed-term deposits — with conditions attached. Meanwhile, European banks accessible from Spain via platforms like Raisin offer up to 2.56% APY with no strings attached.

The difference is structural: large banks fund themselves in wholesale markets and don't need retail deposits. Specialist deposit banks do need them, and compete by offering better rates.

Best fixed-term deposits by time horizon

Short term (3–6 months)

  • Banca Progetto via Raisin — 3 months: 2.25% APY from €1, Italian DGS
  • Banca Progetto via Raisin — 6 months: 2.45% APY from €1, Italian DGS
  • BluOr Bank via Raisin — 6 months: 2.16% APY from €1, Latvian DGS

Medium term (12 months): the sweet spot

  • Bigbank — 12 months: 2.50% APY no minimum, Estonian DGS. Direct contract.
  • Klarna Bank via Raisin — 12 months: 2.46% APY from €1, Swedish DGS
  • BluOr Bank via Raisin — 12 months: 2.30% APY from €1, Latvian DGS
  • Pibank — 12 months: 2.12% APY Spanish bank, Spanish DGS

Long term (2+ years): maximum yield

  • Klarna Bank via Raisin — 2 years: 2.56% APY — best available deposit
  • Younited Credit via Raisin — 2 years: 2.46% APY
  • Nordax Bank via Raisin — 2 years: 2.44% APY

EU deposit guarantee: all the same protection

All EU member states are required to guarantee €100,000 per depositor per institution under the European Deposit Guarantee Schemes Directive (DGSD). A deposit at Bigbank (Estonia) or Klarna Bank (Sweden) has exactly the same legal protection as one at a Spanish bank.

How to open a European deposit from Spain

  1. Choose a platform: Raisin is the main marketplace in Spain. Free registration, 100% online.
  2. Verify your identity: KYC online (ID + selfie), 10–15 minutes.
  3. Choose your deposit: filter by term, APY and issuing bank.
  4. Transfer funds: from your bank account to Raisin, which forwards to the issuing bank.
  5. At maturity: capital + interest returns to your account. No automatic tax withholding — declare in your annual tax return.

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Frequently asked questions
Which fixed-term deposit pays the most in 2026?
In 2026, Klarna Bank via Raisin leads with 2.56% APY at 2 years. At 12 months, Bigbank offers 2.50% APY with no minimum deposit. Banca Progetto via Raisin offers 2.45% at 6 months from €1.
Can I open European bank deposits from Spain?
Yes. Through platforms like Raisin you can open deposits with European banks (Estonia, Sweden, Italy, Lithuania) with the same DGS guarantee level as Spanish banks. The process is 100% online.
What happens if I need the money before maturity?
Most fixed-term deposits do not allow early withdrawal or result in full loss of interest. If you need liquidity, consider an instant-access savings account (e.g. Bigbank 2.40%, available immediately).
How much tax do I pay on interest?
Interest is taxed at a minimum of 19% as capital income. Spanish banks automatically withhold 19%. European banks via Raisin do not withhold — you must declare the full amount in your annual tax return.
Methodology & sources

APYData aggregates rates and yields from official sources: the European Central Bank, national treasuries (bonds & T-bills), the Spanish Deposit Guarantee Fund (FGD) and banks’ official rates. Figures are updated automatically. (how it works · about us)

· Published by APYData

Cite this page: “Best Fixed-Term Deposits in Spain 2026 2026”, APYData — https://apydata.com/en/best-fixed-term-deposits-spain