The best paid accounts without conditions to make money from the first euro in November

November can be a good starting point to start saving. With Christmas on the horizon ever closer, earning some extra money with our savings will never hurt us, especially to meet the expenses that come in December,

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.

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 a monthly or annual amount some to be able to access its advantages.

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.

Openbank: 2.53% APR

The Santander digital bank offers in its welcome account for new customers a profitability of 2.53% APR for four months with a maximum remuneration amount of 1,000,000 euros. Interest is paid monthly and there is no commission of any kind.