Banks reserve their best deals for customers willing to bring them a payroll. The best gifts and the highest returns are usually for them. Precisely, the most profitable remunerated accounts reach 5% APR, but require a payroll in return, explain sources from the HelpMyCash.com financial product comparator.

The problem is that not everyone has one or not everyone wants to change their bank. Sometimes, the customer is just looking for an account to separate their money and save. What do banks offer for savers who do not want to bring a payroll?

Banco Sabadell has just given a new boost to this market. The entity has increased the profitability of the Sabadell Online Account to 2.5% APR. The profitability is applied during the first year on a balance of up to 30,000 euros, so now you can get up to 750 euros in interest.

The account is only available to new clients and to achieve this profitability it is not necessary to direct deposit a salary. However, the bank rewards customers who do so with an additional 200 euros as a gift. To get them, all you have to do is deposit a salary or pension of any amount or receive a monthly transfer of at least 700 euros. Between interest and gifts, with the Sabadell Online Account you can earn up to 950 euros.

The Scalable Capital broker pays 2.30% APR up to a maximum of 100,000 euros to customers who sign up for the Prime plan, which costs 4.99 euros per month. The money is protected by the German deposit guarantee fund and held at Baader Bank.

The annual cost would be 59.88 euros, but in exchange you can get up to 2,300 euros in interest, they point out in HelpMyCash.

Several banks have settled on 2%. This is the case of EVO Banco, whose Intelligent Account has recently improved. Now, pay a 2% APR up to 30,000 euros, a return that will be maintained until July of next year. The account has no commissions or requirements and allows you to make immediate transfers for free.

Other 2% accounts are those of MyInvestor or Bank Norwegian, both without commissions and without payroll. In the first case, this interest is applied only for the first year and on a balance of up to 50,000 euros. In the second, there is no specific term and all the money up to one million euros is remunerated.

The advantage of these accounts is that you do not need to have a regular income to hire them. In addition, they allow clients to have their savings separated from their main account in which they receive their payroll and have the money for day to day, they explain in HelpMyCash.