Bank Savings
Compare the best bank savings options for freelancers and SMEs.
How to compare accounts and bank savings
Comparison guide · 07/10/2026Separate the money from your personal expenses activity. An account to operate, a paid account and a deposit perform different functions: daily payments, interest-based liquidity and term savings. Compare the full offer and confirm that it supports your legal form.
Para quién: Self-employed, professionals and companies looking for an operational account; individuals who compare personal savings. Each tab indicates the known limitations.
Conceptos, requisitos, costes y fuentes
Qué revisar antes de contratar
- Title: natural person, autonomous person or company; residence and accepted documentation.
- Minimum income or payroll, receipts, card use and stay required for bonuses.
- Number of users, permits, cash income, addresses and compatibility with tax payments.
Costes que debes comparar
- Annual maintenance and administration; difference between the first and subsequent years.
- Cards, transfers, withdrawals, foreign exchange, discovered and services not included.
- Maximum paid balance, duration of promotion and conditions after completion.
- Operational account
- It serves to collect, pay and house receipts; its main utility is to manage movements.
- Paid account
- It pays interest on the balance under the conditions of the entity; the rate may change.
- Term deposit
- It keeps the money for an agreed period; it reviews maturity and cancellation.
- TIN and TAE
- The TIN expresses nominal interest. The TAE allows to compare the annual performance or cost with its assumptions.
Ten en cuenta
- An unmaintained account can be charged for other operations.
- Money invested in funds or securities is not a bank deposit. Check the product's specific protection.
Quick answer
Banking savings, mortgages, loans and fintech. On Simplifico you can compare 108 products from 88 brands in Bank Savings, such as Abanca, Banco Santander and BBVA. 106 listings include the Simplifico Opinion: who it suits and its limitations. Each listing summarises features and pricing and links to the provider's website, which sets the final terms.
Loading…