€500 for whatever you want
Just for opening your account and direct depositing your social security payments for more than €50 per month, you get €500(1).
Yes, €500 straight into your account a few days after your first payment is charged at ABANCA.
An account for freelancers with everything you need to manage your money
Your card, your way
With your online account, you get your debit and credit card with no issuance fee for the first year(2). Use it physically, use it virtually. Or both.
Move your money
Without moving
Free transfers
Don't pay to send money within the EU, in euros and non-urgent, from your app.
Integrated Bizum
Send and receive money quickly and intuitively
Control your payments
Customize your accounts, turn your cards on or off, categorize your expenses and income, and much more!
The flexibility you're looking for
And if you also need extra support to cover everyday unforeseen expenses, you can take out the Open Credit Account and link it to this account for freelancers.
With it, you'll be able to make payments such as bills, purchases, or transfers, even if you don't have enough balance.
Apply for your freelancer account in just 10 minutes
Your DNI or NIE
Your mobile phone
A video selfie
See the informative document on commissions and the list of the most representative services.
And much more!
0.20% on your POS terminal
Interest-bearing account
Business Insurance
Digital bank: yes
900 branches: also
Do you have questions about the account for freelancers? We have answers
La Cuenta Online está pensada para clientes con perfil digital que prefieren realizar sus operaciones a través de la app de banca móvil o en la banca electrónica. Si realizas ingresos, reintegros, transferencias o traspasos en ventanilla durante dos meses consecutivos perderás los privilegios de esta cuenta y pasarás a tener una cuenta estándar.
Una cuenta estándar trae asociada una serie de pagos por los servicios que te ofrecemos y que tendrías que empezar a pagar. Sin embargo, con el Programa Servicios ABANCA es muy fácil que no pagues por estos servicios si cumples unos requisitos muy sencillos. Puedes comprobarlo en nuestra web.
En cualquier caso, antes de que tengas que empezar a pagar, te avisaremos.
La Cuenta Online está pensada para clientes con perfil digital y que prefieren realizar sus operaciones a través de la app de banca móvil o en la banca electrónica. Si realizas ingresos o reintegros inferiores a 600€ en ventanilla, o vas a una oficina a realizar transferencias o traspasos de cualquier importe durante dos meses consecutivos perderás los privilegios de esta cuenta y pasarás a una cuenta estándar.
Para que esto no suceda, te avisaremos a tiempo en caso de que estés incumpliendo alguna de las condiciones y poder evitar la cancelación de la Cuenta Online.
Para abrir una Cuenta Online Clara sin comisiones de forma online tienes que ser residente en España y tener más de 18 años.
Hacerte cliente es muy sencillo, 100% online y sólo te llevará unos minutos. Para ser lo más ágiles posible, debes tener a mano tu documento de identidad (DNI o NIE con foto), tu teléfono móvil y un documento que acredite tu actividad laboral, (te lo pediremos al final del proceso para que te dé tiempo a buscarlo). El documento puede ser la copia de la nómina, IRPF o vida laboral de la Seguridad Social. Por último, te haremos un vídeo selfie para identificarte, asegúrate de que tu dispositivo móvil tiene activado los permisos de cámara. o en caso contrario, podrás seleccionar finalizar en una oficina.
No es necesario que domicilies tu nómina o pensión para disfrutar de todas las ventajas de la cuenta, pero si lo haces puedes beneficiarte de nuestra promoción. Recuerda que para poder disfrutar de este beneficio es necesario que:
- Te adhieras a la campaña (te preguntaremos durante el proceso de alta si aceptas las condiciones)
- Hagas el cambio de domiciliación de la nómina con tu empresa o de la pensión con la Seguridad Social (u otros organismos).
- Que te llegue el ingreso a tu nueva cuenta. Tienes dos meses a partir de la firma de la adhesión a la campaña.
- El incentivo de la ‘promo’ lo recibirás en el plazo máximo de un mes a partir de ese primer ingreso de nómina o pensión.
No te preocupes, te iremos guiando a medida que avances en el formulario de contratación.
DOCUMENTACIÓN
EN EL BLOG
(1) Net incentive of €405, which is €500 gross, available until May 31, 2026 for new clients who direct debit their Social Security payments for a minimum amount of €50/month. You must maintain these payments for 24 months and sign a commitment to remain. Monetary capital gains are subject to withholding tax. Not combinable with other direct debit income campaigns. The promotion will not apply to clients who have already had their social security payments direct debited with ABANCA at any time in the last 12 months. If you fail to meet the permanence requirement, you must reimburse us the proportional part of the gross incentive corresponding to the remaining months to reach the 24-month period.
The Clara Online Account is a non-interest-bearing current account for new clients NIR 0%, APR: 0%, with no maintenance fees or conditions, calculated for a hypothetical daily positive balance over one year.
To open this account, you only need to be of legal age, live in Spain, and not be an ABANCA client. Once the account is opened, if you want to enjoy all the benefits, you must be up to date with your payments if you have any loans, credits, or any other product with ABANCA. In addition, as this is an account for digital clients, you must carry out your usual transactions through your app or online banking.
If we see that you go to our branches to carry out over-the-counter transactions such as deposits or withdrawals of less than €600 (which you can do at some of our ATMs) or transfers and account-to-account movements (which you can do for free from your app), for two consecutive months, your account will switch to the conditions of a standard current account, which does have administration and maintenance fees, and you would also incur other fees for cards or transfers.
To ensure you don’t have to worry and to prevent this from happening, we will notify you in advance. We recommend that you consult the FIPRE and the contract, where this is also explained. (2) The Visa Tú credit card will have no issuance fee during the first year. Afterwards, you can continue to enjoy this credit card without paying a fee if you make annual purchases of at least €3,000 with it. The granting of this product is subject to the entity’s risk analysis.
With the account package, you will also contract our Flat Rate Insurance, so if you ever take out insurance with ABANCA, you can pay it in 12 identical monthly installments, with no interest or fees (NIR 0%, APR 0%). Here’s an example of paying for insurance policies direct debited to your Flat Rate Insurance, without considering the bonus. Suppose the annual premium amount for all insurance is €420; the amount you would have to pay in each of the twelve monthly installments would be €35. Therefore, the total amount owed would be €420. No fees, NIR 0% APR 0%. The granting of this product is subject to the entity’s risk analysis. Check the conditions of the Flat Rate Insurance at abanca.com/tpsCCGG
INSURANCE BROKER: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., tied bancassurance operator, with registered office at Avda. de la Marina No. 1, 4th floor, A Coruña, registered in the Commercial Registry of A Coruña, volume 3321, folio 64, sheet C-38698 in the Special Register of Insurance Brokers of the Directorate General of Insurance and Pension Funds with number OV-0044. With professional civil liability insurance and the necessary financial capacity required by current insurance distribution regulations. CIF: B-70049630.
INSURERS: ABANCA Vida y Pensiones de Seguros y Reaseguros, S.A.U, CIF: A15140387, registered with the DGSFP under code C0628 and with registered office at Avda. de la Marina 1, 3rd floor, A Coruña. ABANCA Generales de Seguros y Reaseguros, S.A., with NIF A14715270 and registered office in A Coruña, Avda Linares Rivas 30 3rd floor, CP 15005. Registered in the Commercial Registry of A Coruña, volume 3407, folio 9, sheet C-47133 with DGSFP registration code C-0808. CASER, Caja de Seguros Reunidos, Compañía de Seguros Y Reaseguros, S.A. with registered office at Avenida de Burgos, 109 - 28050 Madrid and DGSFP registration code C0031 and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and DGSFP registration code C0320. Check the rest of the insurance companies with which the broker has an agency agreement in the insurance section of abanca.com
