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SearchThe offer for new digital customers pays interest on up to €100,000, credits interest monthly and reduces the rate to 0.75% AER during the second year. It is available until November 22, 2026.
Kutxabank has raised the return on its Interest-Bearing Account to 3.10% AER for the first 12 months. In the second year, the rate falls to 0.75% AER. The campaign is aimed at new customers who join digitally and will be available until November 22, 2026.
The remuneration applies to an average balance of up to €100,000, and interest is credited to the account monthly. The money remains available at any time and, according to the information published about the offer, withdrawing it does not incur a penalty.
The bank offers the product with no maintenance fees and includes a Visa debit card. It also offers standard and instant euro transfers through its digital channels and ATMs, as well as free deposits of domestic cheques in euros. The offer is reserved for new digital customers; the specific terms of the account should be checked against the current information provided by Kutxabank.
The promotional rate does not remain in place throughout the entire relationship with the bank: after the first year, it falls to 0.75% AER in the second year. Therefore, comparing only the initial rate does not reflect the remuneration in subsequent periods.
Estimates published by financial media illustrate the effect of the balance and the term, but they are not guarantees of net returns. For example, Finect calculates that keeping €100,000 in the account for the entire first year would generate around €3,100 gross; for €20,000, it estimates around €620 gross. These are approximate figures before tax and assume that the balance remains constant.
The actual result may vary depending on the average balance and how long the money remains deposited. The figures cited should also not be confused with net interest or with an individual recommendation.
The improvement comes in a market where several banks are competing to attract deposits and account balances through promotional offers. Published comparisons place Kutxabank’s offer among those that pay interest for one year on a relatively high maximum balance, although other accounts advertise higher initial rates or maintain different rates under their own conditions.
These offers are not directly equivalent: they may differ in duration, balance limit, usage or account-linking requirements, and some apply variable rates. A useful comparison for a business or saver involves considering the full term, the amount that would actually earn interest and the conditions that apply after the promotion, rather than just the prominently advertised AER.
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