Marketing communication  ·  Euro bonds from 6.10% yield  ·  Capital at risk
For British expats living in Spain

Euro bonds yielding over 6%, without the language barrier.

Compare longer-term euro bonds bought on the secondary market through an EU-regulated investment bank. Indicative yields from 6.10% to 7.15% when held to maturity. English-speaking advisers. Capital at risk.

EU regulated partner Segregated custody Free comparison
/ Indicative yield to maturity
6.10%
YTM · 3-year hold · EUR
3-year hold6.10%
5-year hold6.45%
7-year hold6.80%
10-year hold7.15%
/ Secondary market · not guaranteed · capital at risk
/ The yield ladder

Yields that reward a longer hold.

Bonds bought on the secondary market and held to maturity. The longer the horizon, the higher the indicative yield. Minimum investment €25,000.

/ Short hold
3 years
Maturity 2029
6.10%Indicative YTM
Minimum€25,000
CurrencyEUR
IncomeCoupon
/ Medium hold
5 years
Maturity 2031
6.45%Indicative YTM
Minimum€25,000
CurrencyEUR
IncomeCoupon
/ Long hold
7 years
Maturity 2033
6.80%Indicative YTM
Minimum€25,000
CurrencyEUR
IncomeCoupon
/ Longest hold
10 years
Maturity 2036
7.15%Indicative YTM
Minimum€25,000
CurrencyEUR
IncomeCoupon

Yield to maturity (YTM) is the annualised return you would receive if you bought at today's secondary market price, held the bond to maturity, and the issuer made every payment in full. Yields move with market prices and are not fixed until you buy. Bonds yielding above 6% generally carry more credit risk than government bonds and may be rated below investment grade.

/ Compare

How does your bank in Spain stack up?

Spanish high-street accounts still pay very little in euros. Indicative annual rates and yields, gross of tax.

Spanish current accountMajor Spanish bank · typical0.10%
Spanish 12-month depositMajor Spanish bank · typical2.25%
UK 1-year fixed savingsSterling · typical best buy4.10%
RateRoom EU bond panelEuro bonds · held to maturity6.10–7.15%

Deposits and bonds are different products. Deposits are typically covered by a deposit guarantee scheme; bonds are not, and their value can fall. Figures are indicative as of today and will change. Always confirm individual product terms before investing.

/ Project

See what a bond portfolio could return.

Move the sliders to project a euro bond held to maturity. Yield auto-matches your holding period.

Investment€50,000
Holding period5 yrs
Matched yield6.45%
Projected value at maturity
€68,331
Investment€50,000
Projected income€18,331
Indicative annual income€3,225
Yield (YTM)6.45%

Illustrative only. Assumes the bond is held to maturity, coupons are reinvested at the same yield, the issuer pays in full, and no fees or tax. Real outcomes will differ. Selling before maturity may return less than you invested. Capital at risk.

/ How it works

Three steps. In English.

01

Tell us your amount and horizon

A 60-second form. Investment size, how long you can hold, and where you live. Nothing more.

02

The bank builds your shortlist

An EU-regulated investment bank matches euro bonds to your horizon and reviews whether they are appropriate for you, as MiFID rules require.

03

Speak to an English-speaking adviser

A call within one business day to walk through the shortlist and the key information documents. No obligation. RateRoom EU never holds your money.

/ Built on trust

Why expats in Spain choose RateRoom EU.

EU regulated, MiFID II standards

Your enquiry is handled by an investment bank authorised and supervised within the EU/EEA. Your bonds are held in segregated custody in your name, separate from the bank's own assets.

Investor compensation cover

If the regulated firm fails and cannot return your assets, an EU investor compensation scheme may cover up to €100,000 per investor. This does not cover a fall in the value of your bonds.

Your data stays in the EU

EU GDPR compliant. We share your details only with the regulated firm handling your enquiry. No spam, no resale, and you can withdraw consent at any time.

Understand the risks. Bonds are not savings accounts. Their price can fall as well as rise, the issuer could fail to pay, and you may not be able to sell quickly at a fair price before maturity. Higher yields reflect higher risk. Only invest money you can leave invested for the full term.
/ Get your shortlist

See which euro bonds fit your horizon.

60-second form. An English-speaking adviser will call within one business day with bonds matched to your holding period.

This service is for people living in Spain and other EU/EEA countries. It is not available to UK residents.

This is a marketing communication. Bonds are investment products, not deposits, and are not covered by a deposit guarantee scheme. Yields are indicative and subject to change. Nothing on this page is investment, tax or legal advice.

Shortlist requested.

An English-speaking adviser will call within one business day with euro bonds matched to your holding period, along with the key information documents.