Make your money grow with the rates

Savings Portfolio

A Savings Portfolio that is NOT a bank deposit... It's much better!
It is a portfolio made up of the best money market funds or ETFs.

The new inbestMe Savings Portfolio:

2.65% EUR IRR.
4.55% USD IRR*.

*In case it is not your currency, there is a currency exchange risk.

Do not wait for your bank to raise interest rates and take instant advantage of rate hikes.

The IRR (Internal Rate of Return) of your Savings Portfolio is variable and is linked to the variation of the official rates of the central banks (European Central Bank for the Euro and the FED for the USD).

  • Managed portfolio of money market funds or ETFs.
  • From €1,000. No strings attached, no limits, no terms.
  • Accumulate your returns and take advantage of the effect of compound interest.
  • Differ the taxation of your savings.
  • Fully online.
  • No other services need to be contracted.

Savings Portfolio EUR

From €1.000 and above

2.65% IRR

Variable (in Euro)
  • Benefit from rate hikes.
  • The IRR (Internal Rate of Return) is variable (ECB interest rate).
  • Benefit from the effect of compound interest.
  • No limit, no permanence.
  • Defer your taxation until withdrawal.
  • Portfolio of transferable money market funds (for domestic custody).
  • Portfolio of accumulation ETFs (for international custody, minimum of 5.000€ for this option).
  • Coverage: FOGAIN (Spanish Investment Guarantee Fund).
  • National and international custodian.

Savings Portfolio USD

From $5.000 and above

4.55% IRR

Variable (in USD)
  • Benefit from rate hikes.
  • The IRR (Internal Rate of Return) is variable (FED interest rate).
  • Benefit from the effect of compound interest with no capital or term limits.
  • Defer your taxation until retirement.
  • We accept multiple currencies (exchange free of charge).
  • Coverage: FOGAIN (Spanish Investment Guarantee Fund).
  • International custodian
  • Portfolio of USD and accumulation money market ETFs.

Advantages of the inbestMe Savings Portfolio compared to a bank deposit

  • Benefit from current and future interest rate hikes in Europe and the US, automatically.
  • No maximum limits, i.e. it is as valid for €1,000 as for €1,000,000.
  • No limitations on outflows. The money is available at any time (in about a week).
  • As there is no minimum term like a deposit, there are no penalties for withdrawing the money if the term is not met.
  • Defer the taxation of your savings. As it is an accumulation portfolio, no taxes are paid until they are withdrawn. For portfolios with monetary investment funds, you can benefit from the transferability (tax deferral) for individuals resident in Spain.
  • For ETF portfolios, accumulation ETFs (which do not distribute dividends, but accumulate them) are used, also benefiting from tax deferral until they are settled. ETFs are not transferable.

Savings Portfolio FAQs

Is the IRR fixed or variable?

The IRR is variable.

The variable IRR of your portfolio is updated according to different parameters, the most important of which is the official interest rate set by the central banks (ECB for the EURO, and the FED for the USD).

Note: ECB stands for the European Central Bank, FED for the Federal Reserve in the USA which are the ones that determine different official rates that condition all the interest rates in their respective currencies, Euro for the ECB, Dollar for the FED.

The investment committee has designed a portfolio of funds or a portfolio of ETFs, on the one hand, to maintain your capital and at the same time optimize the return you get for it. This portfolio is monitored to get the most for your money and to automatically pass on the evolution of official rates to your savings. We will notify you when interest rates change (ECB and FED).

What is the term of my portfolio? Does it have any type of linkage?

Your portfolio does not have a fixed term, the term is set flexibly according to your needs, nor does it have any type of linkage.

Your Savings Portfolio is NOT a deposit, it is better in the sense that it does not have a fixed term. This is because it is totally flexible. It does not have maturity. You can add money when it suits you, or withdraw it when you need to. All the money in your account will accumulate the advertised IRR with no strings attached. In addition, we don't ask you to pay your salary or bills directly into your account or sign up for an additional service.

What happens if I require my money?

You can withdraw your money at any time.

From the moment you decide to withdraw it, you can have it in 3/5 working days (in the menu of your client area you will always have the option of requesting a total or partial withdrawal).

What ownership can the Savings Portfolio have?

In the case of portfolios with monetary funds in Euro, they are available for individuals, joint, and company. Also for minors or “Kids Accounts”.

In the case of portfolios in Euro or Dollar currency ETFs, they are available for individuals, joint and corporate clients.

About the USD Savings Portfolio

If it is not your currency, you are taking a currency exchange rate risk. You can send Euros or Dollars or even other currencies. The currency exchange is free of charge.

What are the fees for your Savings Portfolio?

The variable IRR we advertise is net of portfolio fees.

The inbestMe Savings Portfolio, being a securities account, has certain costs. These costs have been adjusted to a minimum so that the net interest you get is the maximum possible.

There are 2 explicit costs that are seen and charged to the portfolio:

- 0.12% to 0.25% in the case of the inbestMe management fee.

- 0.11% maximum custody (GVC Gaesco - 0.06%/0.105% - for fund portfolios) or trading (Interactive Brokers - 0.11% - for ETF portfolios).

There is 1 implicit cost that is not visible, which is the TER of the funds or ETFs which is on average 0.13%. TER stands for “Total Expense Ratio”.

You don't have to worry too much, as the published variable TER includes the total costs subtracted.

For more information: inbestMe Portfolio Costs.

What taxes will I pay?

Like any other Savings or Investment Account, your portfolio is subject to taxation in your country and your personal situation.

The (variable) IRR will accrue daily. Unlike a deposit, where each time interest is accrued, e.g. monthly or annually, the corresponding tax is withheld, in the inbestMe Savings Portfolio you will accumulate the return without deducting any tax until the moment of sale.

In the case of the money market funds portfolio, as these are transferable, you can transfer all or part of them to another fund portfolio. For example, to an investment portfolio in inbestMe, deferring the taxation of your savings/investments as much as possible (this applies to individuals resident in Spain).

When you sell the portfolio, you will pay the tax applicable in your country. For example, in Spain this tax is 19% on the gain (in most cases). We recommend that you always consult a specialized professional about your situation.

Can I save systematically?

Yes, you can.

As with any inbestMe account, you can set up recurring contributions that will be automatically invested in your portfolio.


What guarantees does my portfolio have?

Like any securities account, your portfolio is subject to the evolution of the markets.

However, the inbestMe Savings Portfolio has been designed to maintain your capital and obtain a return linked to the official rates of the central banks (ECB and FED).

The security of the inbestMe Savings Portfolio, like the rest of the portfolios we manage, is covered by the FOGAIN (Investment Guarantee Fund) in the event that inbestMe ceases to provide services (up to €100,000 per entity and holder).

As it is a securities account, the FGD (Deposit Guarantee Fund) does not apply.

Your money is off inbestMe's balance sheet and is invested in the best money market funds from large and renowned international fund managers, spread over hundreds of assets.

Other questions about Savings Portfolio:

What is a mutual fund or a money market ETF?

How do I transfer my investment funds to inbestMe?

What is the variable IRR?

How to calculate the variable IRR of the Savings Portfolio?

Why is inbestMe better than a bank?

What are the interest rates in the U.S.? 

What are the interest rates in Europe? 

How to protect money from inflation?

For more information, you can check our Savings Portfolio FAQs.

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