The best one-year bank deposits to make money in January without investing a fortune

Starting the new year 2026 with our personal finances somewhat reduced after the Christmas holidays is absolutely normal. Our expenses have multiplied at these dates, but January can be a good time to start putting our money to work and thus offset part of the Christmas waste

For those who have savings and want to take advantage of them, You can still find banks in the market that offer attractive returns in the current context thanks to a very simple and 100% secure financial product: bank deposits.

It is a savings tool that is based on keep a certain amount of money in the bank for a certain period of time in exchange for benefits. The settlement of these generated interests must be paid by our entity and can be carried out monthly, quarterly, semi-annually, annually or at maturity.

Financial experts agree that currently hire a deposit for a year or two It remains an attractive option to ensure good performance in the short and medium term, especially if you take into account that the probability of finding good returns may decrease in the coming months.

20 minutes has compiled below the best one-year fixed rate deposits with which to earn money without having to make a significant disbursement in entities backed by the Deposit Guarantee Fund (FGD), which insures money up to a limit in the event of bankruptcy. maximum amount of 100,000 euros by owner and entity. These deposits guarantee a minimum of 2.10% APR.

Bluor Bank

This Latvian bank founded in 2001 and based in Riga offers a profitability of 2.66% APR with your one-year deposit. The minimum contribution is one euro and the maximum is 100,000. Payment of interest is due. The only downside is that it does not allow early cancellation. BluOr Bank operates in Spain through Raisin, a digital platform through which citizens can contract services from foreign banks safely.

Fjord Bank

This Lithuanian entity is completely digital. Your 12-month deposit has a profitability of 2.50% APR and requires a minimum contribution of 1,000 euros. For one year, the profitability drops slightly to 2.40% APR. It does not offer the option to cancel, so you will have to wait for the deadline to recover the money. It can be contracted from the Raisin platform, which allows Spanish consumers to contract deposits from various banks in Europe.

Collector Bank

The Swedish neobank, belonging to the Norion Bank AB group, offers a profitability of 2.10% APR at one year and you can invest from 500 euros to 85,000. Payment of interest is due. This product is contracted in Spain through Raisin. This entity does not carry out tax withholding, so you will have to declare the benefits in the corresponding income tax return.

Resurs Bank

The Swedish entity, popular for its innovative approach to flexible financial solutions, offers a profitability of 2.10% APR at one year and you can invest from 1,000 to 85,000 euros. Interest payment is always due. This deposit can only be contracted in Spain through Raisin. This bank also does not carry out tax withholding, so you will have to declare the benefits in the corresponding income tax return.

EXPLANATORY NOTE. The remuneration of these deposits may change from the date of publication of this article.

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