In recent days, interest paid on 3-month deposits intended for sale in Spain has decreased, under the effect of rate cuts launched in June by the European Central Bank (ECB). The most significant change is that experienced by the Cetelem depositwhich went from 3.80% to 3.10%. The personal credit division of the French bank BNP Paribas also performed well. rejonazo to the profitability of your deposit over 12 months which goes from 3.24% to 2.30%. We must not forget that, until now, Cetelem was at the top of the profitability ranking both over 12 months and over three months, since, while the rest of the entities began to lower their remuneration, it increased it, thus distinguishing itself from the rest. . This product can be purchased from 1 euro.
However, with this 3.10%, the Cetelem deposit beats the profitability of 3-month Bonds, which currently stands at 2.74% on the secondary market. It is not the only one to achieve this: four other vehicles achieve it.
in the headreplacing Cetelem, The 3-month deposit of Grupo BFF is now located, with its 3.55%. You must contribute at least 5,000 euros.
MyInvestor, Andbank’s neobank, allows you to save 3% with its deposit at 3 months, provided of course that the customer also contracts an automated wallet for at least 150 euros. Without this additional link, this product pays 2.75%. At least 10,000 euros are required.
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 these 5,000 euros would obtain around 16.6 euros per month.
Also 5,000 euros is the minimum contribution to pay if you wish to hire the 3-month deposit of EBN Banco, which is at 2.85%. For his part, Selfbank lowered its remuneration from 2.85% to 2.75%for amounts from 1,000 euros.
Deutsche Bank and Triodos Bank are keeping their interest rates unchanged at 2.47% and 1.70%, respectively. In both cases, the minimum contribution is set at 3,000 euros.
