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Interest-bearing Deposit

CaixaBank is a member of the Deposit Guarantee Fund for Credit Institutions. At present the maximum guaranteed amount is €100,000 per depositor.

  The early withdrawal, redemption or refund of part or all of the invested principal is subject to fees or penalties.

This number is indicative of the risk of the product; 1/6 implicating a lower risk and 6/6 a higher risk

Fixed-term Interest-Bearing Deposit

Get returns on your savings

And get access to all the exclusive benefits:

  • Get an interest rate of 0.10% NIR (0.10% AER) with the possibility of higher returns if you take out more interest-bearing products.
  • Start from €5,000 making the deposit in a single instalment and holding the savings for 12 months.
  • Your money is always available withdraw your money at any time. See the FAQs for more information.
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How does the Interest-Bearing Deposit work?

This is how you can increase the profitability of your deposit to 1.10% NIR

We explain how the bonus deposit works and how you can increase your NIR by taking out bonus-eligible products.

  1. You start with the minimum NIR

    When you take out the Interest-Bearing Deposit, you get the minimum NIR

  2. If you transfer your salary or pension to us, you can increase your NIR by 0.50%.

    Set up direct deposit with CaixaBank for:

    • Your salary payment
    • Your pension

  3. You can also increase your NIR by 0.25% for each bonus-eligible product.

    Take out any of the following bonus-eligible products:

    • Life Insurance
    • Health Insurance (excluding Adeslas Dental and Adeslas Basic)
    • Home Insurance
    • MyBox Alarm or MyBox Senior Protection
    • MyBox Retirement

Examples of Bonus Deposit Returns

How can I increase the rate of the Interest-Bearing Deposit?

If you don't take out any of the eligible products and/or services, you will get 0.10% NIR (0.10% AER) on your money. For each CaixaBank product, you get 0.25% NIR, and the more CaixaBank products you have, the more you will get, up to an additional 1% NIR. The maximum interest offered by the Interest-Bearing Deposit is 1.10% NIR. The AER the costs of the eligible products have been taken into account: Life Insurance (with a minimum premium of €120 per year) and MyBox Retirement (with a minimum premium of €132 per year). The AER may vary depending on the prices of the products you take out and the balance you deposit.

This is explained in the following representative examples:

Tabla comparativa

CaixaBank product or service

Interest on the deposit

Opening balance €20,000

Payment of the Interest-Bearing Deposit after 12 months (gross amount)

Opening balance €50,000

Payment of the Interest-Bearing Deposit after 12 months (gross amount)

Opening balance €70,000

Payment of the Interest-Bearing Deposit after 12 months (gross amount)
Without bonus-eligible products.

When you open an Interest-Bearing Deposit with no additional products

0,1% NIR

Closing balance €20,020 (0.10% AER)

Closing balance €50,050 (0.10% AER)

Closing balance €70,070 (0.10% AER)
MyBox Retirement with recurring contributions.

If you have taken out a MyBox Retirement plan with one regular contribution

0.10% NIR + 0.25% NIR= 0.35% NIR

Closing balance €20,070 (0.31% AER)

Closing balance €50,175 (0.09% AER)

Closing balance €70,245 (0.16% AER)
Salary, pension, or benefit payment deposited directly.

If you have a salary, pension of benefits for unemployment/maternity in CaixaBank

0.10% NIR + 0.5% NIR = 0.60% NIR

Closing balance €20,120 (0.60% AER)

Closing balance €50,300 (0.60% AER)

Closing balance €70,420 (0.60% AER)
Salary, pension, or benefit payment deposited directly + MyBox Retirement + Home or Life Insurance.

If you have a salary direct deposited, pension or benefits for unemployment/maternity, and take out MyBox Retirement and Home/Life Insurance

0.10% NIR + 0.50% NIR + 0.25% NIR + 0.25% NIR = 1.10% NIR.

Closing balance €20,220 (-0.16% AER)

Closing balance €50,550 (0.60% AER)

Closing balance €70,770 (0.74% AER)

Interest-Bearing Deposit FAQs

  • A fixed-term deposit is a financial product in which you deposit an amount of money in a bank for a set period of time. In exchange, the bank pays you a fixed interest when that term ends.

    The Interest-Bearing Deposit is a fixed term deposit type that you can take out from €5,000. Interest is paid after 12 months. Plus, if you have other eligible CaixaBank products, you can get a higher return on your deposit.

  • It is optional, since you can get 0.10% NIR (0.10% AER) when you take out a CaixaBank Interest-Bearing Deposit, even if you have no other additional products. You just need to have a CaixaBank current account, where you will receive the interest payment after the term of the deposit.

    To get the additional interest based on 12 months, you must have taken out at least one of these products 2 months before the end of the deposit term, and you must keep these products for the duration of the deposit:

      • Life insurance
      • Health insurance
      • Home insurance
      • MyBox Alarm
      • MyBox Senior Protection
      • MyBox Retirement

      Other conditions apply for specific products and services, which are as follows:

        • Life and Home Insurance: these products must be taken out and active for 2 months before the term of the Interest-Bearing Deposit ends and the annual premium must be €120 or higher.
        • MyBox Retirement: this product must be taken out and active for at least 2 months before the end of the Interest-Bearing Deposit term and you must have made at least one regular contribution.
        • Direct deposit of salary: you must keep it direct deposited for 6 months before the end of the deposit term, i.e., at least 2 months before the end of the deposit term. 2 months before the end of the deposit term, we will confirm that you have had your salary direct deposited in the 6 months prior to that date.

      • The NIR, or nominal interest rate, is the interest you will receive on your savings. For example, for €5,000, 1% NIR is €50.

        • The AER, or annual equivalent rate, takes into account the interest you will receive along with any associated expenses and fees.

      • Early total withdrawal:

          • If you decide to withdraw all the money from the deposit early, you will not receive any interest.

          Early partial withdrawal:

            • You can make partial withdrawals as long as you keep at least €500 in the Deposit, and you will receive interest only on that amount. The initial conditions will apply to any remaining money and they will be used to calculate both the minimum and additional interest, depending on the eligible products and services you have taken out.

            Let's see an example:

              • Initial deposit: €5,000.
              • Early total withdrawal: If you withdraw all the money after 6 months, you will receive zero interest.
              • Early partial withdrawal:
                If you withdraw €4,500 after 6 months, you will have €500 left in the deposit. The NIR and AER for 12 months will be calculated on that €500. The initial conditions will continue to apply to the €500 and they will be used to calculate the minimum and additional interest according to your eligible products and services.

            • You can find more information at:

                • Direct deposited salary
                • VidaCaixa Life Insurance.
                • SegurCaixa Adeslas Health Insurance.
                • SegurCaixa Home Insurance.
                • Securitas Direct MyBox Home Alarm.
                • Senior Protection from VidaCaixa and SegurCaixa Adeslas.
                • MyBox Retirement from SegurCaixa.

              • The earnings or interest paid on this fixed term deposit are considered a payment in kind, and are subject to withholding as per the applicable tax laws.

              NRI: 10660-2026/09542

              Grow your savings, starting from €5,000

              Open a Deposit