TO remunerated account can be defined as a financial instrument that bases its performance on the imposition of a certain amount to the bank or entity through which we will obtain a interest yield specific for having our money deposited there. These types of accounts offer the have the advantage of being able to own your funds (withdraw money, make transfers etc.) But not everything is flowers, since the low profitability they offer is a great disadvantage.
To select the best paying bills Certain basic criteria are applied, among which the following stand out:
Cost effectiveness. You have to look for the paying account that offers the highest interest for the money you deposit. For this you have to compare the benefits offered by banks.
Profitability over time. Idealmente, elija la cuenta de pago que mantenga altos rendimientos durante más tiempo. Ya que de forma general este tipo de instrumentos financieros se caracterizan por ofrecer altos retornos durante los primeros meses para captar la atención del client y muy poco desempeño para los meses siguientes.
Interest payments. Interest settlement is applied to the average balance. That is why, if the settlement is carried out monthly, the accrued interest is applied to the average monthly balance and our money will grow month by month.
Commissions.Try to avoid the imposition of commissions like maintenance or management. The larger these commissions, the lower the profitability and we will get more money for our savings.
Associated services. One of the main advantages of payment accounts is that they give you the opportunity to have your own funds. That is why we must pay close attention to what the bank will charge for making procedures, such as transfers or withdrawing money.
Do not link credit cards or direct debits. Those looking for a savings product in the paid account should avoid this link. To make direct debits and payments there are already other products on the market, and if we talk about saving, paying your bills will not be the best option.
Find the better profitability risk-free has become quite a complex task for consumers. But later the 10 best options with the best profitability for paid accounts are listed.
The next list shows what accounts paid offered by banks as of April 2017.
TOP 10 of the best paid accounts in Spain:
Account 1 | 2 | 3 from Banco Santander
Santander Bank
Refund of money up to 3% from direct debit invoices
Free transfers
Payroll account at 5% APR
3% APR with no time limit
Bankinter account
Bank bank
Refund of the 2% money on your installment purchases
Even with him current economic situation in Spain, with a historical minimum interest in the market, there are some paid accounts that offer all their clients a return of up to 5% APR, Bankinter is the one that offers this remuneration and occupies the second position in the ranking for one more consecutive month due to its attractive remuneration.
In the same way the first position is taken by Account 123 of Banco Santander, since, despite offering a lower profitability than Bankinter, it has no time limit. At the same time, the maximum balance to pay is 15,000 euros, while Bankinter limits you to 5,000 euros.
On the other hand, the 360º account of Cajamar bank, which occupies the third position, offers a profitability of 3%, which places it as one of the best options on the market.
The last quarter of last year 2016 and the beginning of this year, have completely turned around the conditions established by remunerated accounts to monopolize the market. This is not very good for those who want to have their money saved in exchange for a significant interest rate.
Damage begins to weaken users. Example of this is the ING Direct Orange account profitability which has gone from 0.2% to 0.1% and the entity has also stopped subsidizing all bills that were direct debit. And what is more, own bank account has cut its profitability from 0.30% to 0.15%, half its productivity. For its part, the Coinc Account has been the last to move its figures and reduced its profitability from 0.7% to 0.3% as of last March.
And other banks with the best boys On average, Openbank, as an example, will reduce the profitability of your account from 0.50% to 0.40%. Movements that are added to the last made last year by other entities, when Wizink (Banco Popular) lowered the profitability of its Savings Account from 0.75% to 0.5%, as well as when Banco Santander caused a revolt by modifying the Commissions of your Account 1, 2,3, generally selected by the people as the best.
So what happened to the best paying bank accounts?
Above 0.5%. There are still quite a few accounts that offer APR returns Above 0.5% there is nothing to worry about, you just have to know how to select the best option for your needs.
Santander continues to lead the market for accounts paid, with a remuneration between 0.56% and 2.67% APR, as well as the advantages that this offers the client at the same time as a good remuneration. While Mediolanum's Evolution Account complies with 1,41%. The advantage is that they are the only ones in the ranking of the best products, which return a proportion proportional to the amount of the receipts.
-The conditioning factors. Like everything, there is always a not so pretty part of the coin, Mediolanum restricts this offer to those customers who have a product managed by the entity that has a minimum amount of 15,000 euros.
At once, Account 1,2,3 It forces you to marry the bank, with the direct debit of your payroll, as well as your receipts and use at least 6 times every 3 months any of the accounts you have with them, forcing its clients to have everything with them, but it is not it is wrong, for something they are the best in this sector.
–For new clientsIn this competitive world of paid accounts, it can seem difficult for first-time bank users who can still find formidable returns from other eras.
But in several cases the terms are very short, which is why several factors must be considered to select the best option to save money. The most attractive in this case is usually the Banco Bankinter Payroll Account, that at least until December 31st it offers a remuneration of 5% APR throughout the first year and 2% APR throughout the second.
A cambio de esta buena opción, el saldo máximo remunerado es de solo 5.000 euros, pero, aun así, resulta muy productivo para las persons que quieran ingresar en este mundo de cuentas de pago decantarse por esta opción, ya que suele ser bastante rentable los primeros años. , generando suficiente capital para pensar en otras opciones.
The question to ask yourself is whether now is a good time to start using an account that pays at current interest rates. All of Europe and above all Spain is experiencing a time of very little interest, lo que hace que para muchos be poco atractivo incursionar en este sector financiero, al mismo tiempo, no se puede esperar mucha remuneración para cuentas que no disponen riesgos como estos.
The best offers are subject to change without prior notice., with reductions in the interest they offer, so it is a good option to save and earn some money, but not the best to generate large income or live from it, due to the little risk that these represent for the client, in this current economic world, he who does not risk does not win.
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