MyInvestor is the digital bank of Andbank Spain—a traditional bank regulated by the Bank of Spain—specializing in investment. Unlike European neobanks (Revolut, Trade Republic), MyInvestor is a Spanish bank offering a full range of services: checking accounts, mortgages, mutual funds, robo-advisors, and retirement plans—all under one roof.
MyInvestor by the numbers: 2026
| Product | Return | Terms |
|---|---|---|
| Premium Interest-Bearing Account | 2.10% APR | Min. monthly direct deposit of €2,000 |
| Standard Interest-Bearing Account | 1.50% APR | No conditions |
| Orange Money Market Fund | 2.75% APR | No minimum, T+1 liquidity |
| Robo-Advisor Portfolio 5/10 | ~5.50% historical | Min. €150 |
| Vanguard / iShares Funds | Market-dependent | No min. (€1) |
| Adjustable-rate mortgage | Euribor + spread | Competitive |
Fondo Naranja Monetario: the hidden gem
The Naranja Money Market Fund (money market fund) offers 2.75% APR—the highest return available on a liquid instrument at MyInvestor. Key advantages over an interest-bearing account:
- Higher return: 2.75% vs. 1.50–2.10%
- Tax advantage of the transfer: you can move it to another fund tax-free
- T+1 liquidity (redemption on the next business day)
- No minimum investment
The only downside: if you redeem it, you’ll be taxed (19–28% on gains). But if you hold it or transfer it, there’s no tax event.
Interest-Bearing Account: Premium vs. Standard
The Premium Account at 2.10% requires a direct deposit of at least €2,000/month. If you meet this requirement, it’s very competitive compared to no-strings-attached alternatives like Openbank (2.02%) or Trade Republic (2.02%).
The Standard Account at 1.50% with no conditions is lower than the competition—it only makes sense if you’re already a MyInvestor customer for other reasons (funds, mortgage).
Investment funds: the unique offering
MyInvestor is the only Spanish platform that allows you to buy Vanguard funds (the world’s largest passive fund manager) directly, with low minimums (starting at €1 in some cases).
Available on MyInvestor:
- Vanguard Global Stock Index EUR Acc (ISIN: IE00B03HCZ61) — MSCI World, 0.18%/year
- Vanguard Emerging Markets Stock Index — 0.23%/year
- iShares Core S&P 500 EUR Hedged — U.S. market hedged to EUR
- Amundi MSCI World — cheapest alternative (0.15%/year)
This makes MyInvestor the best option for Spanish passive investors who do not want to use ETFs.
MyInvestor Robo-Advisor
The robo-advisor automatically manages a portfolio of index funds. With a total fee of 0.56% (all-inclusive) and a minimum of €150, it is competitive compared to Indexa Capital and Finizens. The historical return of the 5/10 Portfolio is ~5.50% annualized.
MyInvestor Mortgages: for investor clients
MyInvestor offers competitive mortgages, especially for clients who already hold assets in funds with them. It is common to see mortgages starting at Euribor + 0.59% (variable) with direct deposit of paychecks. It’s worth requesting a quote if you’re looking for a mortgage and are already an investor with MyInvestor.
Security and Regulation
- Bank regulated by the Bank of Spain and the CNMV
- Subsidiary of Andbank (an Andorran private bank with over 100 years of history)
- Spanish Deposit Guarantee Fund (FGD) coverage up to €100,000 for deposits
- FOGAIN coverage up to €100,000 on securities (funds, stocks)
Who is MyInvestor best for?
- Passive investors who want direct access to Vanguard funds: There is no better platform in Spain
- Customers who want everything in one Spanish bank: account, investments, and a mortgage supervised by the Bank of Spain
- Direct deposit of paychecks: the 2.10% Premium rate is the best available without going to European neobanks
Limitations
- Standard account only at 1.50% (Revolut offers 2.27% with no conditions)
- Money Market Fund is more attractive than the account, but requires accepting T+1 liquidity
- App less polished than Revolut or N26
Conclusion
MyInvestor is the best bank for passive investors in Spain: access to Vanguard funds, a competitive robo-advisor, and the Money Market Fund at 2.75%. If you want to direct deposit your paycheck, the 2.10% Premier account is excellent. For liquidity with no strings attached, pair it with Revolut or Openbank.