In recent days, the interest paid on 3-month deposits for sale in Spain has been reducing, under the effect of the rate cuts that the European Central Bank (ECB) started in June. The most striking change is the one experienced by the Cetelem depositwhich has gone from paying 3.80% to 3.10%. The retail credit division of the French bank BNP Paribas has also performed well. rejonazo to the profitability of your 12-month deposit, which has gone from 3.24% to 2.30%. It cannot be forgotten that, until now, Cetelem was at the top of the profitability ranking for both 12 months and three months, since, while the rest of the entities began to lower their remuneration, it raised it, setting itself apart from the rest. This product can be purchased from 1 euro.
Even so, with that 3.10%, the Cetelem deposit beats the profitability of the 3-month Bills, which currently stands at 2.74% in the secondary market. It is not the only one that achieves it: four other vehicles achieve it.
in headdisplacing Cetelem, The 3-month deposit of Grupo BFF is now located, with its 3.55%. It is necessary to contribute at least 5,000 euros.
MyInvestor, Andbank’s neobank, allows you to save 3% with its 3-month deposit, as long as, of course, the client also contracts an automated portfolio for at least 150 euros. Without that extra link, this product pays 2.75%. At least 10,000 euros are necessary.
MyInvestor surprised last week by announcing the launch of a new deposit at 4% APR for 1 month, contractable from 5,000 euros. It will be available until December 12. With this APR, whoever contributes those 5,000 euros would obtain approximately 16.6 euros in a month.
Also 5,000 euros is the minimum contribution to make if you want to hire the 3-month deposit of EBN Banco, which is at 2.85%. For its part, Selfbank has lowered its remuneration from 2.85% to 2.75%for amounts starting at 1,000 euros.
Deutsche Bank and Triodos Bank maintain their interest rates unchanged at 2.47% and 1.70%, respectively. In both cases, the minimum contribution is set at 3,000 euros.
#3month #deposits #beat #profitability #Letters
