Business bank account in Spain that pays interest on money held

Yes. If you mean an account in the company’s name (for example, an SL), Bankinter PLAN Empresas and Revolut Business Ahorros are options to compare. The best fit depends on whether you want interest in the day-to-day account or can keep savings in a separate account.

If you’re an autónomo rather than a company: Unicaja currently advertises 2.55% TAE on up to €50,000, with no maintenance or administration fees. The rate is guaranteed only until March 31, 2027, and the offer is for qualifying new customers who open by January 31, 2027. (unicajabanco.es)

Before opening, check that the account can be held by your legal entity, the balance cap, how long the promotional rate lasts, and any activity or subscription costs. Are you opening it for an SL/company or as an autónomo?

Several banks and fintechs offer business accounts with interest in Spain right now. Most of the best rates are promotional, so check the current terms before you open one.

Options with the highest headline rates

• Vivid Business: Up to 4% a year for the first 4 months in EUR; after that, between 0.10% and 2.70% depending on the plan. The balance cap depends on the plan.
• Qonto: Up to 5% on balance for the first 2 months, then up to 2.25% depending on the plan. The promotion requires 5 payment operations per month.
• Bankinter business remunerated account: Up to 3% TAE in the first year and up to 1.5% TAE from the second year, on a maximum remunerated balance of €50,000. No maintenance fees, provided you meet the usual activity conditions. It is available with a Spanish IBAN and managed fully online.

Options with ongoing (non-promotional) rates

• Revolut Business: Up to 2.25% TAE depending on the plan, paid daily. The rate is not time-limited; it is contractual rather than promotional. The maximum deposit that earns interest is €10 million.
• Cuenta Online Sabadell with linked savings accounts: 1% TIN up to €20,000, indefinitely.
• N26 Business: 0.5% TAE on all plans except Metal, which earns 1.3% TAE.

Things to check

• Promotional vs. ongoing rates: Compare the first-year rate with the rate after the promotion ends, and check any conditions attached to it.
• Deposit protection: Spanish-licensed banks are covered by the Spanish deposit guarantee fund, up to €100,000 per depositor. For EU-licensed neobanks, check which country's scheme applies.
• Tax: Interest is taxable income, and the rules differ for sole traders and companies. Confirm the treatment with your accountant, since I did not find a source for the business-specific rules.
• Rates move: The ECB rate has been around 2% in 2026, so fintech rates can change quickly. Check the official pages or the bank's key information document before deciding.

If you tell me whether you're a sole trader (autónomo) or a company (S.L.), roughly how much cash you hold, and whether you need a full-service bank or just a secondary account, I can narrow this down.

Finding a business bank account in Spain that pays interest on your balance is possible, though such features are more commonly found among digital banks and fintech providers than traditional high-street banks, which typically offer non-interest-bearing accounts for day-to-day operations.

Key Options for Interest-Bearing Business Accounts

Several providers in Spain now offer "remunerated" (interest-paying) accounts or savings features for businesses and self-employed professionals (autónomos):

• Bankinter (Plan Empresas 0): Bankinter offers a dedicated business account that includes an interest-paying component. For example, they have provided promotional rates (e.g., up to 3% APR) for the first year on certain balances (often capped, such as up to €50,000), making it a notable exception among traditional Spanish banks.
• Revolut Business: Revolut offers a "Business Instant Access Savings" account feature. This allows business customers to set aside funds that earn interest, which is accrued and paid on a daily basis. Since these funds are held by Revolut Bank UAB, they are generally covered by the European deposit guarantee scheme (up to €100,000).
• Qonto: Qonto is a popular fintech platform for SMEs and freelancers that offers accounts with interest-earning potential. Their offerings often include promotional periods or specific products designed to help businesses earn a yield on their treasury without sacrificing liquidity.
• Monzo: Recently available in Spain, Monzo offers a free business account for freelancers and limited companies (SLs) that includes "interest-bearing pots" (huchas remuneradas) with competitive rates.

Important Considerations

When choosing an account, keep the following in mind:

• Promotional vs. Standard Rates: Many "high-interest" business accounts offer a high rate for a limited promotional period or only up to a certain balance. Always check what the rate drops to after the promotion ends.
• Deposit Guarantee: Ensure the provider is covered by a Deposit Guarantee Fund (FGD) within the EU. In Spain, this guarantees deposits up to €100,000 per depositor per institution. Digital banks operating in Spain (like Revolut or Monzo) are often covered by their home country's deposit guarantee scheme, which is harmonized across the EU.
• Account Fees: While some traditional banks offer "free" accounts, they often require you to meet specific conditions (such as direct-debiting social security, tax payments, or maintaining a minimum monthly turnover). Fintech accounts may have monthly fees depending on the plan you choose (Basic, Pro, Advanced), so calculate whether the interest earned outweighs the monthly cost.
• Taxation: In Spain, interest income earned on bank accounts is generally subject to tax (typically 19% withholding tax). Ensure you are prepared for the reporting requirements associated with this income.

Summary Strategy

If your primary goal is to earn interest on idle cash:

1. For flexibility and ease of use: Digital platforms like Revolut or Monzo are often the quickest to set up and provide clear, daily interest on dedicated savings pots.
2. For a traditional banking relationship: Check Bankinter's current business offers, as they are one of the few legacy institutions that frequently bundle interest-bearing features into their business plans.
3. Verify requirements: Before opening an account, confirm if your business structure (autónomo vs. SL) qualifies for the specific interest-bearing product, as eligibility often differs between them.

Disclaimer: I am an AI, not a financial advisor. Banking products, interest rates, and terms change frequently. Please verify the latest terms and conditions directly on the bank's official website before making a decision.

Yes. A few business accounts in Spain advertise interest on balances, but check whether the money is held as a bank deposit or invested, and whether the interest outweighs any plan fee.

• Bankinter – Cuenta Empresa / Plan 0: Reported to pay up to 3% TAE in year one and 1.5% in year two, on up to €50,000. The listed Plan 0 has no monthly fee. ¹
• Qonto: Reported to offer up to 5% for the first two months for eligible new customers on the Smart plan or above. The rate and balance cap depend on the plan, and qualifying monthly payments are required. ¹
• Revolut Business – Instant Access Savings: Available to incorporated businesses on Grow, Scale or Enterprise plans; the published rates range from 1.00% to 1.75% AER, depending on plan. ²
• Vivid Business: Reported to offer up to 4% for the first four months, but its interest feature invests the balance in financial instruments such as money-market funds and central-bank deposits—so it is not necessarily equivalent to a bank deposit. ¹
• Monzo Business: Its Spain page advertises savings rates, but availability may be limited: it describes a business-banking waitlist. ³

Practical starting point: Compare Bankinter and Qonto if you want a business-focused account; consider Revolut if you already use its business plans. Before applying, confirm the current rate, eligible business type, balance cap, fees, withdrawal terms, and deposit-protection or investment-risk treatment directly with the provider. Rates and offers can change.

Sources: ¹ SinComisiones comparison of remunerated business accounts · ² Revolut Business savings terms · ³ Monzo Business Spain