Best paid accounts (April 2025) Bankinter offers (2.96% Tin) and Ibercaja (5% TIN) have become the best paid accounts of April, according to Kelisto.es data. The reason? They offer the highest initial remuneration that you can obtain today, without charging commissions and with your money always available, as with any offer of this category. Of course, the first is more attractive to those who do not want to bite, while the second is more interesting for those who are willing to change their bank payroll and accept certain extra linking requirements. Remember that paid accounts are nothing more than sight deposits that offer you some total remuneration and availability to withdraw your savings (or part of them) whenever you want and without assuming any penalty. Now, banks can impose very different conditions to the client. For example, there are those who will ask you for the payroll, others limit the maximum balance subject to remuneration and some offer you a very attractive initial interest, but only for a very short period of time, and then pay you a much lower remuneration. The best remunerated accounts of April 2025 Without Bankinter Digital Intelligent Digital Account leads the ranking of the best paid accounts without payroll because it offers an initial remuneration of 2.96% TIN (applicable during the first three months), without commissions and without having to meet requirements. From the fourth month, and indefinitely, its remuneration will become 2.47% TIN, although if you decide to take your payroll and bizum to Bankinter, the initial 2.96% TIN will be extended for eight more months (until completing a whole year). For the rest, it is important that you keep in mind that Bankinter’s new digital smart account is divided into two compartments: one so you can do your day -to -day operations and another to save. To this second compartment will stop the balances that exceed 5,000 euros, which will be the one that receives remuneration (up to a maximum of 50,000 euros). I am interested in the Bankinter account the best paid accounts of April 2025 The account Vamos de Ibercaja is at the top of the top 10 of remunerated accounts of March because it does not charge commissions and offers high profitability: 5% Tin the first year and 3% tin the second. Now, the maximum balance that remunerates is 20,000 euros and to hire it you will have to domicile your payroll and receipts, and make card purchases. Five things that you should analyze to find the best paid accounts Extra requirement to enjoy the advantages of a certain offer. The interest: will allow you to know how much the bank will pay you for your savings. Now, you should always keep in mind two indicators. The first is the TIN (or nominal interest rate), which tells you what percentage of your money you will receive in the form of interest. The second, the TAE (equivalent annual rate), is calculated taking into account the TIN, the deadline during which that tin is applied, the amount you are going to deposit and the expenses and commissions that the bank could apply to you. Therefore, once you are clear what accounts interest you the most (based on your tin), you should calculate the TAE of all of them to be able to determine which is better the base to the money you have, the deadline during which you will leave it immobilized, etc. The term: although some paid accounts pay you a certain interest indefinitely (until the bank decides to modify it), it is increasingly common that you find offers with a very attractive remuneration, but that only applies during a short time of time. Make sure that period is and what will happen later: if remuneration is simply reduced or if the entity will stop paying you for your savings. The maximum remunerated balance: something that is also usually common is the most attractive offers in the market is that they offer you a very high remuneration, but that can only be applied to a very limited balance (for example, in the case of the PlayStation account of Unicaja, to the first 2,000 euros you have). Knowing that figure is essential for you to know if you should hire an account to deposit a part of your savings and, the rest, take it to another. The commissions: the most common is that paid accounts do not charge commissions, but there are some exceptions. In addition, there may be offers that do not charge expenses, but only if you are willing to meet certain linking requirements, such as domiciled your payroll. The linking: for several years now, the best paid accounts in the market are designed for customers who accept home payroll and even meet some more requirement. In fact, today, these offers pay an average interest of 2,767% TIN, compared to 1,904% of the paid accounts without requirements. Therefore, analyze carefully if you want to tie you a bank to achieve greater profitability, or if you prefer freedom, even if you receive less for your money. Also read Estefanía González also Estefanía González Lee also writing
