The five best paid accounts without commissions to start 2026 earning money from the first euro

The new year 2026 begins and It’s time to stop excessive Christmas spending and start saving a little.. January can be a favorable month for this, since it always comes loaded with good resolutions. And, without a doubt, improving our financial health and putting our domestic economy in order should be one of the priorities.

Although banks are increasingly cutting the interest they offer savers on their different products, It is still possible to achieve 100% safe, attractive and untethered returns even above 3%.

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: 2.53% 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 1,250 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.

Openbank: 2.27% APR

The Santander digital bank offers in its welcome account for new customers a profitability of 2.27% APR for six months with a maximum remuneration amount of 1,000,000 euros. Interest is paid monthly and there is no commission of any kind.

Renault Bank: 2.02% APR

The Contigo Account of the French entity has a profitability above 2% and it has no minimum or maximum amount, so you can make all your money profitable. Although the bank is not Spanish, the account is subject to the national tax regime, so You don’t have to worry when filing your income tax return..

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.