Online Joint Account with No Fees

⁽¹⁾ Incentive of €500 gross (the net amount paid will be €405) until January 31, 2027 for new customers who direct deposit their 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 €185 gross (€150 net). Monetary investment income subject to withholding tax. Not combinable with other payroll campaigns. The promotion will not apply if you have already had your salary or pension direct deposited with ABANCA at any time in the last 12 months, or if you have a remunerated account with the bank. Promotion valid for new payroll direct deposits from €800. Cash payment of up to €500 gross (€405 net) by maintaining the payroll for 24 months. If you stop having your payroll direct deposited with us before this period, you will be required to return the proportional part of the amount already paid to you for the remaining months up to 24 months (for example: after 12 months, you will definitively consolidate 50% of the incentive paid).

The Online Joint Account is a non-interest-bearing current account for new customers, NIR 0%, APR 0%, with no maintenance fees or conditions, calculated for a hypothetical daily positive balance over one year.

To open the Online Joint Account, you only need to be of legal age, live in Spain, and not be an ABANCA customer. 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 customers, 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 transfers (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. After that, you can continue to enjoy this credit card without paying a cent if you make annual purchases with it of at least €3,000. The granting of this product is subject to the bank's risk analysis.

With the Online Clara Account package, 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 (NIR 0%, APR 0%). Here is an example of payment for insurance policies direct debited to your Flat Rate Insurance, not taking into account any discounts. 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 bank's risk analysis. Check the conditions of the Flat Rate Insurance at abanca.com/tpsCCGG.

INTERMEDIARY: 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, page 64, sheet C-38698 in the Special Register of Intermediaries 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, page 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 intermediary has an agency contract in the insurance section of abanca.com.