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MyInvestor review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

MyInvestor is a Spanish easy-access account that suits savers who want to move money in and out without a monthly charge. Interest runs at 2.5% and is variable, and the balance earns only up to a stated cap, so the account leans toward everyday money rather than long savings.

Key facts

Best for
Easy access, a monthly fee of €0 and a bank deposit guarantee.
Headline rate
2.5%↗
Rate type
Variable↗
Minimum deposit
€1↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
On-demand access to funds, interest credited monthly on the average balance, remunerated up to a maximum balance of EUR 70,000↗
Monthly fee
€0↗
Account kind
Easy access↗
Legal entity
MyInvestor Banco, S.A.↗
Headquarters
Spain↗
Founded
2017↗
Support channels
Help-centre, Phone, Email↗
Pricing model
No monthly fee
Official website
myinvestor.es

Everyday accounts

Currency conversion fee
0.25% to 0.3%↗
Currencies
2↗
Local account details
IBAN↗
Transfer fee
Free within the EU (SEPA zone)↗
Audience
Expats, Teens
Features
Free ATM withdrawals, Joint account, Digital-only

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXLinkedInt.mefacebook.cominstagram.com

Pros and cons

Pros

  • A variable rate of 2.5%, credited monthly on the average balance.
  • A minimum deposit of €1 keeps the entry bar low.
  • Deposits sit under EU DGS up to EUR 100,000.
  • Free ATM withdrawals, joint accounts and local IBAN details.

Cons

  • The rate is variable at 2.5%, so the return can move down.
  • Interest at 2.5% is paid only up to a stated maximum balance.
  • Only 2 currencies are covered and conversion costs 0.25% to 0.3%.
MyInvestor

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Scored 8.7 / 10 by VaultCue.

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Who it suits

  • Adults and teens in Spain who want an easy-access account with a monthly fee of €0.
  • Expats holding euro and dollar who need local IBAN details and a conversion margin of 0.25% to 0.3%.
  • Households that want joint accounts plus phone, email and help centre support.

Who should look elsewhere

  • Plazo ES, whose headline rate of 24.19% sits on a credit card offer rather than a deposit account.
  • AXI Card Tarjeta y Credito, whose headline rate of 21.59% is tied to borrowing rather than savings.
  • PayPal Colombia, where the headline rate of 3.3% belongs to a wallet product rather than a bank account.

Deposit protection

Deposits sit under EU DGS up to EUR 100,000. The account is run by MyInvestor Banco, S.A., listed with Banco de España under licence 1544, and the bank also appears under the Comisión Nacional del Mercado de Valores. Savings held in this account fall within that scheme, which is the main protection for anyone keeping cash here.

The company behind it

MyInvestor Banco, S.A. is based in Spain and was founded in 2017. It is listed with Banco de España under licence 1544 and with the Comisión Nacional del Mercado de Valores. Support runs through help centre, phone and email, covering a phone line and email as well as a help centre.

How MyInvestor compares

Where MyInvestor is available

Available
Spain
Licence in Spain
Banco de España (1544), checked September 26, 2026
Licence in Spain
Comisión Nacional del Mercado de Valores (CNMV), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does MyInvestor charge each month?+

The easy-access account has a monthly fee of €0, and transfers within the EU (SEPA zone) are free. The minimum deposit is €1, so opening and holding the account stays cheap. Free ATM withdrawals come as standard.

What interest do I get and can it change?+

The easy-access account pays a variable rate of 2.5%. Interest is credited monthly on the average balance, and that balance is remunerated up to a maximum, so larger sums earn less on the excess. Funds stay available on demand.

Is my money protected?+

Deposits sit under EU DGS up to EUR 100,000. The account is run by a Spanish bank listed with Banco de España under licence 1544, and the bank also appears under the Comisión Nacional del Mercado de Valores.

What currencies can I hold?+

The account covers 2 currencies and provides local IBAN details for receiving payments. Converting to another currency costs 0.25% to 0.3%, below the site median of 0.5%, which suits expats working mainly in euro and dollar.

Does it suit teenagers or expats?+

MyInvestor lists expats and teens among the audiences it serves, and the easy-access setup suits younger savers starting out. Features at free atm, joint account and digital only cover free ATM withdrawals, joint accounts and digital only service. Support runs through help centre, phone and email.

Where does the account rank?+

MyInvestor scores 4.3 overall, with cost at 4.9 and offer at 3.5. On the headline rate it sits at 279 of 473 brands compared, under the site median of 3%.

What type of account is it?+

It is an easy-access account, easy access, with a minimum deposit of €1. Funds are available on demand and interest is credited monthly on the average balance. A maximum balance earns interest, so savers with larger sums may place the excess elsewhere.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

MyInvestor

MyInvestor

Easy access, a monthly fee of €0 and a bank deposit guarantee.

8.7/10See alternatives