The summer of 2025 in Spain is marked not only by hot weather but also by a notable surge in the risk-free investment market. Amid rising stock indexes, including the Ibex 35, and high volatility in assets like bitcoin and gold, many investors are seeking more stable ways to preserve and grow their savings.
The European Central Bank’s decision to keep key rates almost unchanged, along with expectations of only a minimal decrease by year’s end, has created favorable conditions for growth in the yields on banking products. In August, the yield on Spanish government bonds saw a slight increase, but the greatest interest lies in commercial bank offerings.
Among the most notable options is Bankinter’s digital account, available to new clients. With a deposit of at least 50,000 euros, the bank offers an annual yield of 2.5% with no fees or additional requirements. Lower rates apply for smaller amounts, but they remain attractive. The account can only be opened online, and these conditions are valid until early September, highlighting the limited nature of the offer.
Another interesting product is the Health account from B100, part of the Abanca group. Here, the base rate is 2.25% per annum for amounts up to 50,000 euros. However, by meeting certain conditions related to physical activity and limiting time spent on social media, the yield can increase to 3.2%. This approach targets clients willing to monitor their health and lifestyle.
The Portuguese bank BiG is offering a three-month deposit with an annual yield of 3%—one of the most attractive offers on the short-term deposit market in Spain. The minimum amount to open an account is €10,000, and the maximum is €75,000. It’s important to note that the rate for this product was previously higher, and the bank has already reduced it, so those interested should act quickly.
For those who prefer longer terms, Latvia’s BluOrBank offers a one-year deposit with a yield of 2.76%. Deposits can be made from as little as one euro up to €100,000, which matches the maximum amount protected by the European deposit insurance scheme. This offer may appeal to those seeking stability amid uncertainty surrounding interest rates in the coming months.
Overall, despite ongoing uncertainty in financial markets, Spanish banks this summer are offering investors a wide range of risk-free instruments yielding significantly more than the market average in recent years. For many, this is an opportunity not only to preserve but also to grow their savings without unnecessary risk.
