One of the most common questions among Spanish investors in 2026: where should I put my savings, in a fixed-term bank deposit or crypto staking? The answer is not simple because we are comparing products with very different risk, liquidity and tax profiles. But this is exactly the type of comparison that only APYData can make: we are the only comparator that brings together updated data from both worlds in the same table.
The direct comparison in numbers
With data updated on APYData as of March 2026:
| Product | APY | Risk | Liquidity | Guarantee |
|---|---|---|---|---|
| Best 12-month deposit (Raisin/Freedom24) | ~3.5% | Very low | Locked 12m | DGS up to €100,000 |
| Best savings account (XTB) | ~3.5% | Very low | Instant | DGS up to €100,000 |
| Binance DOT Staking (120 days) | 6.5% | High | Locked 120d | None |
| Binance ATOM Staking (flexible) | 5.77% | High | Instant | None |
| Binance SOL Staking (120 days) | 5.0% | High | Locked 120d | None |
| USDC on Binance (flexible) | 5.0% | Medium | Instant | None |
When does staking make sense?
Staking makes sense if you already hold that cryptocurrency and plan to keep it long-term. In that case, staking is simply a way to generate yield on an asset you were going to hold anyway. If your goal is capital preservation with predictable yield, a bank deposit is the right choice.
APYData is the only Spanish-language comparator that lets you see both worlds side by side in real time.