In it Current financial worldhaving a bank account is not just a necessity to pay all receipts and make purchases without the need to carry effective, but it is also an opportunity to improve your personal economy.
Beyond being a simple deposit for your salary or savingsbank accounts offer multiple benefits That, if they are used correctly, can make a difference in your personal economy. From obtaining yields for your balance to reduce commissions, optimize the use of your accounts can help you maximize your resources without having to worry.
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Choosing the right account according to your profile and spending habits is key. There are options without commissions, paid accounts that generate interest or those with special advantages in purchases and payments. Take advantage of the benefits offered by each of them will allow you to save money and better control your finances.
That is why we bring you updated information to know how to get your bank accounts more.
Options to make profitability to your account
Smart account – Evo Banco
The Evo Banco’s smart account It is the best remunerated account of the market in January 2025, according to the ranking of Kelisto.es. You can open your online account to 2.85% Tae No commissions or conditions.
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This account is a bank solution that combines a checking account for daily operations and a term account for savings. Its operation is simple: on the 15th of each month, the balance that exceeds the € 4,000 in the current account is automatically transferred to the term account, where it is remunerated to 2.81% tin and 2.85% taeup to a maximum of € 30,000.
This account offers additional advantages, such as free transfers, an intelligent card without commissions that combines the functions of debit and credit, and the possibility of withdrawing money without cost in more than 18,000 ATMs in Spain. In addition, the management is completely digital, allowing users to operate through the mobile application of Evo Banco.
Money management is completely digital
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To open the Intelligent welcome accountit is necessary to be over 18 years old, have a valid identification document and not be the holder of another smart account in Evo Banco. In a few minutes, you can have your account open and enjoy its advantages.
Open an account in Evo
Trade Republic account – Trade Republic
According to the Kelisto.es ranking, Trade Republic offers the second best remunerated account in the market in January 2025, since it offers its clients an annual interest of the 2.75% tin on your cash, corresponding to a 2.79% tae, with a maximum of paid balance of € 50,000. The calculation of interest is updated daily and you will receive them in your account monthly.
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The process is as follows: At the end of the day, it is determined as a balance in the cash account and this amount is multiplied by the proportional part of the annual interest applicable to that day. Then, all daily values are added and the total amount is carried out as if you received a monthly payment.
In addition, Trade Republic offers a Monthly subscription card that allows to obtain 1% of “Saveback“In each transaction and make free and unlimited cash withdrawals worldwide.
Open an account in Trade Republic
Payroll account – Ing
The Nominate Ing account It is a current account that offers multiple advantages to domiciled your payroll or your monthly income, with a 1.50%.
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In your day to day, you will have free cards and you can open up to two additionally payroll accounts for free. One of its strengths is the service “Always covered”, since it gives you two days of margin to regularize your account in case you stay without balance.
In case of buying online, you can control everything with the tool ECONTROLand you have free online purchase insurance. For the trips It will also do well, since you can change currency for free if you pay or take cashiers money.
If you hire it in combination with the Orange account, You will get a 1.49% tin For your money indefinitely, and gives you access to ING welcome deposit, which pays you a 2.75 % Tae at 3 months regardless of a minimum amount and with total money availability. In addition, with the promotional code “ING200“, You can receive a € 200 bonus to the seventh month if you domicile your payroll or make monthly income of at least € 700 for six months.
To open the payroll account the process is 100% online and requires a video call to verify your identity.
Open an Ing account
Options for the most travelers
Standard Account – Revolut
Revolut has the card to travel abroad with Better value for moneyaccording to the Kelisto.es ranking. This is part of the success that this bank has promoted, which already has more than 50 million users in just a decade.
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Your account offers a Tin of 1.5% and a 1.51%accessible from your app with a Free standard card. While the physical card arrives home, users can use a virtual card on their mobile.
Revolution allows to change up to € 1000 per month in almost 30 currencies
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For those who travel, Revolut allows you to change until € 1000 per month in almost 30 currencies No additional commissions from Monday to Friday. It also offers free withdrawals in ATMs around the world up to € 200 or five times a month.
In addition, it allows to invest in shares of large companies, raw materials such as gold and cryptocurrencies with a 1.49%commission. Your system of Revpoints rewards Grant points for every € 10 spent, exchangeable in accommodations and activities.
Open an account in Revolut
Smart account – Evo Banco
We name this account again, explained some paragraphs above, because it has the Best card to travel abroadaccording to the Kelisto.es ranking.
Therefore, if what you are looking for is a card that gives you facilities when you are touring the world, Evo can be your greatest ally. Remember that they offer a Tin of 2.81% and a 2.85%with a maximum remunerated balance of € 30,000.
Open an account in Evo
Option for those who want returns for their receipts
Online account without commissions – BBVA
The Online account without BBVA commissions It is a current account without administration or maintenance commissions, designed for new clients that hire it exclusively through Digital channels. Its opening is 100% online and is completed in a few minutes by means of a verification process with a selfie and the DNI, without the need to go to an office.
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This account includes a Free Debit Aqua Cardwhich stands out for your safety by not showing the card number or the CVV In plastic and generate a dynamic CVV for each purchase.
In addition, BBVA offers the Travel pack, that allows saving in commissions when paying in currency other than the euro and withdrawing effective in foreign ATMs without additional costs.
Currently, there is a promotion with which Receive up to € 720 per year When home, gas, telephone and internet receipts in BBVA, obtaining a reimbursement of € 60 per month for 12 months. It is also essential to keep € 400 in your new account.
BBVA account
Source: Kelisto.es to 01/30/2025 with information on the websites of the entities. In the selection only offers that can be hired from Kelisto.es and that are marketed by banks that have agreed to appear in this article.
