The best savings products in June 2026
With Euribor at 2.81% and the ECB keeping rates unchanged, June 2026 remains a favourable month for European savers. We review the highest-yielding products currently available.
Top savings accounts — June 2026
Savings accounts continue to lead for liquid savings. B100 (the digital brand of ABANCA) offers 3.00% APY with its Cuenta Health — the highest rate on the Spanish market with no fixed term required, though it requires a minimum of 8 monthly card purchases totalling at least €200. For those who prefer no conditions, Renault Bank launched its 36-month Depósito Tú+ in June at 3.03% APY with no additional requirements.
Best fixed-term deposits — June 2026
In the fixed-term segment, Raisin remains the platform with the widest selection. Through Raisin you can access European banks such as Mano Bank (Lithuania, 3.25% for 12 months), BluOr Bank (Latvia, 3.10%), or BankB (Germany, 3.00%), all covered by the DGS guarantee up to €100,000.
For Spanish residents, Renault Bank stands out with its no-condition Depósitos Tú+: 2.47% APY for 12 months, 2.83% APY for 24 months and 3.03% APY for 36 months, with a minimum of just €500.
P2P platforms and higher-yield alternatives
For investors with higher risk tolerance, Mintos remains Europe's most liquid crowdlending platform, offering around 7–9% on its Core Portfolio in euros. Risk is higher since these are unsecured loans, but the platform is regulated and provides secondary market liquidity.
Government bonds and public debt
Spanish Treasury Bills (Letras del Tesoro) at 12 months currently yield around 2.30–2.40% APY, below the best bank deposits. However, they carry sovereign risk (virtually zero), no custody fees, and income is exempt from regional wealth tax. A solid option for conservative savers.
Summary: which product to choose in June 2026?
If you need liquidity: B100 Cuenta Health (3.00%) or Trade Republic (3.04%) are the best options with no lock-in.
If you can lock funds for 1–3 years: Raisin offers the best rates through Mano Bank (3.25% at 12 months) or Renault Bank Tú+ (3.03% at 36 months).
If you are a conservative long-term saver: combine Treasury Bills for the portion you may need short-term with fixed deposits for the rest.
Compare all available rates updated in real time at apydata.com.