These are the best bank deposits with a yield of 4% according to Idealista experts.

Looking to the future 2024 important changes are assessed regarding recruitment Bank deposits. Thus, Idealista experts offer a list of some of the best bank deposits market, from 4% refundable.

A bank deposit is a savings product that offers important advantages users. In particular, the user lends a certain amount of money to the bank and, after a specified time, receives the amount lent to the bank. banking institution plus interest agreed between the parties.

While the changes are expected to be taken into account, health workers Idealistic I’ll let you know what else you can find Bank deposits on the market with Yield 4% per annum (Annual equivalent).

The best deposits, according to Idealista

Currently, because Idealistic They explain that “experts say the best strategy is to ensure a maximum duration of 12 or 24 months, as interest rates will not rise again.”

This is one of the most important changes for most of 2024. Thus, at the height of price inflation, experts recommended making bank deposits with shorter deadlines.

Despite all this, get increasing the profitability of a bank deposit in Spanish organizations. This is reported by professionals from Idealistic.

In this regard, they note that “the decision to invest in the most profitable products on the market involves foreign bank ratewhose deposits are protected by guarantee funds of the respective countries of origin.

The best deposits on the market

These bank deposits foreign banks They can be concluded securely online via a European platform. Raisin.

Idealist Experts suggest some of best tanks on the marketdepending on the validity period of the deposit.

WITH six month periodfrom “The Idealist” they highlight bank deposit from an Italian banking institution “System banking” which offers 4.30% per annumwith a maximum reward of 100,000 euros.

Other banks that offer interesting returns with period less than 12 months the following:

• Big Bankwith a rate of 4.25% per annum.
• BY Europewith a rate of 4.20% per annum.
• Proghetto Bankingwith a rate of 4% per annum.
• BFE, with 4.06%. This bank offers three months bank deposit.

Taking into account Deposits for 12 monthsfrom Idealistic They note that “in the stellar period, Bank Sistema repeats the 4.30% that it pays after six months. Assuming that profitability is the same, this one-year period is more interesting because it allows for a longer time to profitability, which is by far the best option available. deposit in Spain. In addition, BAI Europe pays 4.2%, while Haitong and Banca Progetto pay 4.10% in both cases.

Term 24 months

We also need to take into account some the best bank deposits on the market With Term 24 months (two years). This period is the longest that a savings product with these characteristics can be contracted for.

Among everything that the market offers, one of the best options for 24 month bank deposits is ‘Haitong’With 4.22% per annum.

Usually, Bank deposits with such a long-term perspective they are usually not so attractive to investors. However, they can be a suitable alternative for those looking for an attractive reward that will last for many months. In this sense it also appears Bank “Proghetto”With 4.12%.