If you have money sitting in a checking account earning 0% interest, you're not saving—you're losing purchasing power every month. Inflation never stops, and your bank isn't going to tell you that there are better options out there.
APYData was created for this very reason: so you can compare at a glance the returns offered by each savings and investment product available in Spain and Europe, with no fine print and no hidden advertising.
What is APY and why does it matter?
APY stands for Annual Percentage Yield. It's the figure that matters, because it takes interest capitalization into account. A product that pays interest monthly has a real APY higher than its nominal rate. APYData always shows the APY so you can compare apples with apples.
The four markets we cover
Traditional banking — up to 2.56% APY
Fixed-term deposits have become relevant again following the ECB's rate hikes. We currently track 22 products, including deposits and interest-bearing accounts, with yields ranging from 2.00% to 2.56% APY.
The best deposits currently available in Spain come from European banks accessible through platforms such as Raisin: Klarna Bank offers 2.56% over 2 years, and several Nordic and Italian banks exceed 2.40% over terms of 6 to 24 months. All are covered by their country's Deposit Guarantee Fund (up to €100,000).
Investment platforms — up to 3.33% APY
Under this umbrella, we group together nine products from deposit aggregators and brokers that offer access to diversified portfolios or money market funds. Raisin stands out as a platform that consolidates deposits from multiple European banks into a single account. The range is from 2.50% to 3.33% APY.
Public debt — up to 3.60% APY
Treasury bills and bonds are one of the safest savings products in the world: they are directly backed by the government, with no guarantee limit. We track 13 instruments from Spain, Germany, France, Italy, and Portugal.
Spanish 30-year government bonds offer 3.60% APY, and 10-year bonds are around 3.27%. For those seeking maximum security with reasonable returns, public debt remains a benchmark that is difficult to beat in the low-risk segment.
Crypto and DeFi — up to 6.82% APY
This is the market with the highest potential returns and also the highest risk. We track 28 products between CeFi (centralized platforms such as Binance) and DeFi (decentralized protocols such as Aave, Spark, or Sky).
The highest returns currently are: Binance ATOM Flexible Savings at 6.82%, Aave sGHO at 5.16%, and several stablecoins (USDC, USDS) in DeFi protocols between 3.82% and 5.00%. The risk is proportionally higher: there is no government guarantee, and smart contracts have their own risks.
How to use APYData
The comparison tool allows you to filter by category, risk level, guarantee, liquidity, and currency. Each product has its own page with complete details: who offers it, how to access it, APY history, and a score that weighs profitability, security, and liquidity.
The APYData Score ranges from 0 to 10 and is used to compare products that are not apparently comparable: a state-guaranteed deposit and a DeFi token may have similar APY, but the score reflects that the risk is very different.
Data is updated automatically
Prices for Binance, DefiLlama, and OECD products are synchronized daily. Public debt data (interest rates for each country) is updated from the OECD API. Manual products, such as bank deposits, are periodically verified against official sources.
This is just the beginning
APYData is under active construction. In the coming weeks, we will be adding more products, more countries' public debt, historical APY charts, and periodic market analyses like this one.
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