€1000 for two salaries
Just for opening a joint account and having your salaries paid in, you get:
- €500 for each salary, if they are €1200 or more(1)
- €185 if they are more than €800 and less than €1200
A few days after we receive your first salary at ABANCA, we will credit the corresponding incentive to your account. For whatever you want!
Your debit and credit card, just the way you want
With this online joint account, both account holders get a free debit card, and a credit card with no issuance or maintenance fee for the first year(2). Order them as physical cards, use them virtually. Or both.
€50 for each friend
For every friend who becomes an ABANCA customer and sets up their payroll, you get €50 net, until May 31, 2026. You can invite up to a maximum of 10 friends and earn up to €500! The more you invite, the more you earn.
Check the terms and conditions
Yes, with this account you also have Bizum
Activate it in the app in seconds and start sending or receiving money. All from your mobile.
Move your money with the joint account
Without moving
Send money wherever you want, whenever you want, and at no cost.
With your joint online account, you can make non-urgent euro transfers within the EU directly from your app.
Apply for your joint account online in just 10 minutes
Your DNI or NIE
Your mobile phone
A video selfie
Discover all our accounts
Whether you want to make the most of your savings or get the most out of your income, we have an account for you.
Interest-bearing account
Self-Employed Account
Youth Account
Online banking: yes
900 branches: also
Do you have questions about the joint account? 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, until May 31, 2026 for each new direct deposit of salary or pension with an amount equal to or greater than €1,200/month. If your salary is greater than €800 and less than €1,200, the incentive will be €150, which is €185 gross. You must maintain it for 24 months and sign a commitment to stay. Monetary capital gains subject to withholding tax. Not combinable with other payroll campaigns. The promotion will not apply to clients who have already had their salary or pension directly deposited with ABANCA at any time in the last 12 months, or to clients who have a remunerated account with the entity. If you fail to meet the permanence requirement, you must reimburse us the proportional part of the gross incentive for the remaining months to reach the 24-month period.
The 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 the Online Account, you only need to be of legal age, live in Spain, and not be an ABANCA client. Once you have opened the Online Account, if you want to enjoy all the benefits of the account, you must be up to date with your payments if you have any loan, credit, 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 Online Account will be converted to a regular current account, which does have administration and maintenance fees, and you will also incur other fees for cards or transfers.
To make sure 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 we also explain this.
(2)The Visa Tú credit card will be free of charge, with no issuance fee, during the first year. Afterwards, you can continue to enjoy this credit card without paying a cent 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.
With the Online Clara 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 is an example of payment for insurance policies domiciled in your Flat Rate Insurance, without taking into account any discounts. Suppose the annual premium amount for all insurance policies 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 registration code 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 with registration code in the DGSFP C0031 and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and with registration code in the DGSFP C0320. Check the rest of the insurance companies with which the broker has an agency contract in the insurance section of abanca.com
