Online Youth Payroll Account

⁽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 entity. 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 have 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 of permanence, you definitively consolidate 50% of the incentive paid).

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

To open the Clara Young Online Account, you only need to be of legal age, live in Spain, and not be an ABANCA customer. Once you have opened the Clara 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.

⁽²⁾ 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 movements (which you can do for free from your app) for two consecutive months, your Clara 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.

⁽³⁾ The Tú Visa 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 of at least €3,000. The granting of this product is subject to the entity's risk analysis.

With the Clara Online Account pack, 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 the payment of insurance premiums domiciled in your Flat Rate Insurance, without taking into account any discounts. Suppose the annual amount of all insurance premiums 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.

BROKER: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., tied bank-insurance operator, with registered office at Avda. de la Marina No. 1, 4th, A Coruña, registered in the Commercial Registry of A Coruña, volume 3321, folio 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 under code 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, 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 registered with the DGSFP under code C0031 and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and registered with the DGSFP under code C0320. Check the rest of the insurance companies with which the broker has an agency contract in the insurance section of abanca.com