The best paid accounts without conditions to earn money from the first euro in December

The month of December arrives as always aiming at the pocket. Christmas spending will surely take its toll on our personal finances, although it is something that we generally assume during these times when we usually celebrate the holidays with family and friends.

Although banks are increasingly cutting the interest they offer savers on their different products, it is still possible to achieve 100% safe and attractive returns above 3% that will allow you to compensate somewhat for the Christmas expenses.

If you are not interested in a bank deposit because you are not convinced by the conditions it offers or you lack the money necessary to obtain a good pinch, financial institutions have other products that offer attractive interest rates, even without having to domiciliate your income nor pay any type of commission or subscription.

It is the case of the paid accountsa type of deposit that offers a certain profitability for savings and that allows the balance to always be available. In practice, it means that you will not be penalized if you decide to recover your savings at a certain time.

These accounts pay from the first euroalthough you must also know that their conditions can improve if the client is willing to increase their connection with the entity by direct debiting their payroll, taking out a card or subscribing to a special plan.

With this savings product, in general terms, you can make transfers and even receive your payroll. In addition, this product has protection from Deposit Guarantee Fund (FGD)which allows the owner, in the event that an entity goes bankrupt, to recover up to 100,000 euros of your money.

20 minutes has compiled below the best paid bank accounts that exist without maintenance fees, without the need to domiciliate the payroll and without having to pay any monthly or annual amount to access its benefits.

Raisin Bank: 3.33% APR

The German bank has launched a welcome paid account through its platform for new clients with a 3.33% profitability guaranteed during the first three months. The entity, which does not require additional ties, limits this remuneration to 60,000 euros. Once the three months are over, the client can choose to transfer their money to some of the entities integrated into the Raisin platform (Klarna, Morrow…) or withdraw it along with the interest generated.

Banco Sabadell: 2.5% APR

He Sabadell Bank has decided to bet heavily on attracting new customers and has launched an attractive offer for its Online Account in the last month of the year. In this way, the entity has risen from 2% to 2.5% APR its remuneration and has increased the maximum balance that remunerates from 20,000 to 50,000 euros, so you can earn up to 1,650 euros in one year. These conditions will apply during the first 12 months and, starting from the second year, the remuneration that the account has at that time will be applied.

Volkswagen Bank: 2.10% APR

The High Remuneration Account of the German entity is an account for new clients with a profitability of 2.10% APR for the first 6 months. After that time, the profitability drops to 1.094% APR. There is no maximum amount to be paid and it does not require the opening of current or the contracting of a card. The monthly interest payment is monthly and transfers are free.

Trade Republic: 2.02% APR

The savings account of this entity with a German banking license and registered as a bank branch in Spain is one of the most attractive options by offering a remuneration of 2.02% APR without maximum amount. This account does not require having a direct deposit and does not have commissions. Transfers are free.B100: 1.75% APR

B100: 1.75% APR

The neobank of the Galician entity Abanca has the so-called Save Account, a paid account at 1.75%APR up to a maximum of 50,000 euros. To enjoy it, you must first open the B100 Account, which has no maintenance or administration fees. There is also no charge for transfers in euros within the euro zone.

Bankinter: up to 1.50% APR

The Bankinter Digital Account is one of the most profitable Spanish accounts you can find if you want to save in a large bank. Right now, offers interest ranging between 1% and 1.50% APRdepending on the balance you have. To achieve 1.50% you must have 50,000 euros or more. It has no maximum balance or minimum balanceso you can earn interest from the first euro.

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

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