Best 4 years EUR fixed deposit interest rates in Spain 11/2026

1000+ banks in 25 countries in our comparison

protected by deposit guarantee scheme

rates up to 3.25%

In partnership with

Saldo LogoBluor LogoLidion Logo

€50 welcome bonus on your first deposit

Open any deposit of €20,000+ and PickTheBank sends you €50 within 30 days after funding. Promotion terms

Special offer
Protected up to €100K
Free maintenance
Up to

3.80%

Annual fee

Free

Cashback

No

Interest rates up to 3.80%

Open and manage directly on PickTheBank Platform

Terms from 3 months to 5 years

Annual interest payments

Protected by Deposit Guarantee System up to 100.000 EUR

Best 48-years EUR deposits in Spain 🔥

Read about deposit guarantee schemes

Savings up to €100.000 are protected by the EU legislation

Partner deposits available online

Sponsored deposits with the best interest rates available online

Available online
Protected up to €100k
+€50 bonus
bankImage

Lidion Bank

Malta

eff. up to

3.31%*

3.25% + 50 EUR welcome bonus for new clients

EUR

4years, €

Fixed-Term Deposits with the Highest Interest Rates for Spanish Residents with a Term of 4 Years

At PickTheBank you can find the best fixed-term deposit offers from all EU countries and more than 1000 banks that are available for Spanish citizens to open online.

Fixed-term deposits are a safe, low-risk, and guaranteed investment option to avoid losing your savings to inflation, so Spaniards choose this type of investment.

All you need to do is compare fixed-term deposit offers, choose the most suitable one, and open it by clicking the "Open online" button.

The best fixed-term deposits in Spain for other terms:

Short term deposits with the best rates for Spanish citizens

Fixed-term deposits with the best interest rates for Spanish citizens for 1 year

Fixed-term deposits with the best interest rates for Spanish citizens for 2 years

Fixed-term deposits with the best interest rates for Spanish citizens for 3 years or more

You can also see the best savings accounts for Spanish citizens here: Savings accounts and Demand accounts

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