Commission-free self-employed account

(1) Net incentive of €405, which is €500 gross, until January 31, 2027 for new clients who direct debit Social Security payments for a minimum amount of €50/month. You must maintain them for 24 months and sign the commitment to stay. Monetary movable capital yield subject to withholding tax. Not combinable with other income direct debit campaigns. The promotion will not apply to clients who have already had a salary, pension, or self-employed fee direct debited in Abanca at any time in the last 12 months. If you fail to meet the commitment requirement, you must reimburse us the proportional part of the gross incentive for the remaining months to reach the 24-month commitment.

The Cuenta Online Clara is a non-interest-bearing current account for new clients TIN 0%, APR: 0%, with no maintenance fee 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 loan, credit, or any other product with ABANCA. Also, since this is an account for digital clients, you must carry out your usual operations through your app or online banking.

If we see that you go to our branches to carry out counter operations such as deposits or withdrawals of less than €600 (which you can do at some of our ATMs) or transfers and movements (which you can do for free from your app), for two consecutive months, your account will switch to the conditions of a regular current account, which does have administration and maintenance fees, and you would also have other fees on cards or transfers.

To make sure you don’t have to worry and to avoid this happening, we will notify you in advance. We recommend that you consult the FIPRE and the contract, where we also explain this. (2) The Visa Tú credit card will have no issuance fee during the first year. Afterwards, you can continue enjoying this credit card without paying a fee if you make annual purchases with it worth at least €3,000. The granting of this product is subject to the entity’s risk analysis.

In the account pack, you will also sign up for 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 (TIN 0%, APR 0%). Here’s an example of paying for insurance 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, TIN 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/tpsCCGGView PDF file

INTERMEDIARY: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., tied bancassurance operator, with registered office at Avda. de la Marina No. 1, 4th, A Coruña, registered in the Commercial Registry of A Coruña, volume 3321, page 64, sheet C-38698 in the Special Register of Intermediaries of the Directorate General of Insurance and Pension Funds with No. 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 C0628 and with registered office at Avda. de la Marina 1, 3rd, A Coruña. ABANCA Generales de Seguros y Reaseguros, S.A., with NIF A14715270 and registered office in A Coruña, Avda Linares Rivas 30 3rd, CP 15005. Registered in the Commercial Registry of A Coruña, volume 3407, page 9, sheet C-47133 with registration key in the DGSFP 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 registration key in the DGSFP C0031 and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and registration key in the DGSFP C0320. Check the rest of the insurance companies with which the intermediary has an agency contract in the insurance section of abanca.com