The saver more conservative is in luck. In recent weeks, several financial institutions have chosen to extend the maximum remuneration to receive or launch new deposits with a return above the average.
Thanks to the update of these products the saver can take up to almost 2,000 euros gross year if the saver invests up to the maximum available of the best deposit offer of the moment.
It is the case of Deposito de Banca Project. The Italian entity, whose products can be contracted in Spain through the Raisin platform, the profitability of its deposits has increased fixed-term up to almost 2 percent.
In this way, a saver who contracts his most profitable product, a deposit with a remuneration of 1.94 percent to three years and 100.000 eurosyou could make a profit annual gross of 1,940 euros and almost 6,000 euros when the term expired.
If the saver opted for the minimum investment, 10,000 euros, the earnings would be 194 euros per year and almost 600 euros when the contracted period ended.
Between 300 and 500 euros euros of benefit
Nevertheless, the bulk of the offers are concentrated on offering profits ranging from 300 euros to 500 euros gross year.
This is the case of Orange Bank. The bank of the telecommunications operator did not touch the profitability it offers, which stands at 0.50 percent, but it did touch the maximum limit to be remunerated.
Thus, the saver who invests 100,000 euros (the cap) would earn 500 euros in one year. To this figure should be deducted the tax withholding which is 19 percent.
For its part, Banco Sabadell has just launched an online account on the market for new clients that remunerates with 1 percent and a maximum of 30,000 euros. If you opt for it, the earnings are around 300 euros.
Rentaul Bank has undertaken several increases in the profitability of its deposit. It currently markets the Tú+ Deposit, with a return of 1.40 percent and a term of two years. The product can be contracted from 500 euros to one million euros.
If a private banking client opted for it, they would have an annual benefit of 14,000 euros. Although if you invest 10,000 euros, the profit would be 140 euros and a total of 280 euros for the current period of taxation.
Characteristics of these products
These products offer certain advantages to the saver. On the one hand, to access them do not require any binding (The exception would be Orange Bank, since it is a product only available to telecom customers).
That is, it is not necessary to domicile the payroll or receipts. It only requires the opening of an online account to receive interest payments, which in the case of Renault Bank is also remunerated.
On the other hand, the investor must take into account that they are products that are subject to tax withholding, therefore, taxes will have to be deducted: 19 percent.
And if we sign a certain binding
Subscribing to a certain bond also provides access to products that offer above-average remuneration.
It is the case of the Bankinter Payroll Account, which rents with 5 percent the first year and 2 percent the second. In this case, the high remuneration is limited to 5,000 euros, for which the bank client would earn 350 euros in these two years.
open bench has a similar offer, but in this case, it only pays 5 percent for the first six months. In total, the earnings would be 142 euros per year, since the limit is 5,000 euros.
● Add news from finanzas.com to their social networks: Twitter | Facebook | Linkedin | Flipboard. Also in your messaging app: Telegram