Is it worth depositing in 2026?Here's what you'll win with €10,000, €25,000 and €50,000

HelpMyCash tells us if it is worth opening a deposit in 2026 and if so, which banks are the best for it

In recent years, it has been depressing to talk about deposits in Spain: low rates, low returns and the feeling that savings have gone unrewarded.But this situation has changed at the beginning of 2026 and the deposit is again meaningful.

"Fixed term is one of the few products where you know before you sign the contract how much you will earn and when you will be paid. What's more, in 2026, returns continue to be attractive and the best offers reach 2.75% APR without links and up to 3% with clauses," recall experts at finance comparison tool HelpMyC.

And all this gives a greater sense of peace of mind: "Deposits are guaranteed by each country's deposit guarantee fund up to 100,000 euros per owner and bank, so the real risk is often greater in choosing the right term (so as not to need the money earlier) than in the product itself," experts add.

Therefore, in 2026 you can play in two more ways: take advantage of the great demand of European deposits, where most of the options and the most competitive prices will be (contract from Raisin), or, if you want to protect national security, rely on the direct message of the Spanish FGD.

With this in mind, how much is the best savings in 2026 for balances of €10,000, €25,000 or €50,000?HelpMyCash experts have calculated.

What funding will be available in January 2026?

Among the strongest options for 2026 is ETE Bank's 24-month deposit at 2.75% UTB.In fact, it is one of the most profitable for those who want to be without money for two years and maximize interest unconditionally.

Therefore, by investing 10,000 euros for two years, the total return to growth is 560 euros.If the investment is 25,000 euros, the profit is around 1,400 euros in total, and with 50,000 euros the profit is close to 2,800 euros in total.

For those who prefer shorter terms, Banco Pyme also has a 12-month deposit with an APR of 2.74%.The main difference with the previous one is the shorter term.

In this case, the investment of 10,000 euros during one year generates about 270 euros gross, while with 25,000 euros the profit is close to 675 euros gross.When 50,000 euros are invested, the interest exceeds 1,300 euros gross.In addition, the Deposit Guarantee Fund (FGD) of Lithuania covers capital up to EUR 100,000 in both terms.

But BluOr Bank's one-year deposit has an unusual advantage: it can be opened for just one euro and 2.66%.This flexibility makes it very attractive to people who want to try European deposits, but not pay a lot of money.

Besides, the benefits are still very interesting.With €10,000, the gross profit is €266 per year.With 25,000 euros it becomes 660 euros gross and with 50,000 euros it becomes 1,330 euros gross.Everything is covered by FGD Latvia.

Another alternative which is among the most competitive is the 12-month deposit of FJord bank, with A April of 2.50% for a minimum amount of at least 1,000 euros.It is ideal for savers looking a good course without committing great sums.

With 10,000 euros, the annual gross income reaches 250 euros gross. If the capital amounts to 25,000 euros, the benefit reaches 625 euros gross, and with 50,000 euros the benefit exceeds 1,250 euros gross.

For those who want high returns without leaving national security, Deutsche Bank sells the 12-month DB Confianza deposit, which starts with an initial return of 2% APR for amounts starting at €10,000, but you can add an additional return of 1%, up to 3% APR, if you use a salary or pension of at least €1,500 on an investment of at least €1,500.

With 10,000 euros, the gross profit reaches 300 euros.If the capital is 25,000 euros, the profit is approximately 750 euros, and with 50,000 euros you reach approximately 1,500 euros.

Another option is the fixed terms of Banco Mediolanum, which combines profit and personal advice model, its characteristics.On the one hand, it is a 6-month maximum deposit at 2.99% APR (from 2,000 euros).On the other hand, its 12-month maximum deposit is at 3% APR (also from 2,000 euros).In both cases, you have to sign an investment product contract for the same amount as the deposit.

Trade Republic and Revolut, two accounts with which you do not lose liquidity

In addition to deposits, experts recommend supplementing them with interest-bearing accounts, because in this way capital is diversified and separated from the capital that is not needed from the permanent available.In addition, in 2026 it is possible to find accounts with a reward higher 2% April, without commission and with immediate availability.

Without further ado, Merchant Republic's paid account offers 2.02% APR with no balance limit, a Spanish IBAN, no commissions at all, and a free debit card with cashback.

Another example is the Revolut Remuneated Account, with an APR of up to 2.27% APR, depending on the plan you have (the fixed interest is 1.25% APR, but you can get 2.27% APR with the Ultra plan, which costs €55 per month or €540 if paid annually) and pays interest every day.It is an account with no payment fees, with a Spanish IBAN and full accessibility.