With markets shaken by Trump tariffs and the ECB adjusting its monetary policy, April 2026 offers a more interesting landscape of returns than many expected. We analyzed over 183 active financial products to give you the complete picture.
What is the best APY available in Spain in April 2026?
The direct answer: Ibercaja Cuenta Vamos offers the highest APY among guaranteed banking products in Spain, at 5.09% APY, with instant liquidity and Deposit Guarantee Fund (DGF) coverage up to €100,000. Bankinter Cuenta Nómina follows at 5.00%.
Rankings by category — data updated April 14, 2026
🏦 Best bank accounts and deposits (EUR, Spain)
| Institution | Product | APY | Liquidity | Guarantee |
|---|---|---|---|---|
| Ibercaja | Cuenta Vamos | 5.09% | Instant | DGF Spain |
| Bankinter | Nómina Account | 5.00% | Instant | DGF Spain |
| EVO Banco | 12-month Deposit | 2.85% | Locked 12m | DGF Spain |
| Younited (Raisin) | 2-year Deposit | 2.67% | Locked | DGF Europe |
| Mano Bank (Raisin) | 1-year Deposit | 2.60% | Locked 12m | DGF Europe |
📈 Best investment platforms (EUR)
| Platform | Product | APY | Liquidity | Guarantee |
|---|---|---|---|---|
| Mintos | Core Portfolio | 10.50% | Market hours | None |
| Bondora | Go & Grow | 6.00% | Flexible | None |
| XTB | Savings Account | 3.50% | Flexible | Private |
Average return by category in Spain (April 2026)
- Investment platforms: 5.09% average (max 10.50%)
- Public debt (TradFi): 2.81% average (max 3.97%)
- Banks (EUR): 2.05% average (max 5.09%)
Conclusion: where to put your savings in April 2026
- Maximum safety and liquidity: Ibercaja Cuenta Vamos (5.09%, DGF, instant)
- Fixed term with European guarantee: Younited via Raisin (2.67%, DGF, 2 years)
- Mid-range return without lock-in: XTB Savings Account (3.50%, flexible)
- Maximum return accepting risk: Mintos Core Portfolio (10.50%)
All data in this article comes from APYData, updated April 14, 2026 with real-time information from over 183 financial products in Spain and worldwide.