RISK INDICATOR
1/6
Numerical scale, where 1/6 indicates the lowest risk and 6/6, the highest risk.
GUARANTEE FUND
ABANCA is a member of the Deposit Guarantee Fund for credit institutions. The Fund guarantees up to a maximum of 100,000 euros per depositor and per credit institution.

Online Youth Payroll Account

€500

for bringing your salary

Save with the Young Payroll Account, 100% digital and no fees. Get up to €500 for your salary (over €1,200), a free NX card to travel and withdraw money abroad up to 5 times a month, free credit card, and Bizum. All from your mobile with total freedom.

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Up to €500 for your earnings

Just for opening your account and having your salary paid directly, you get:

  • €500 if your salary is €1200 or more(1)
  • €185 if your salary is more than €800 and less than €1200


Yes, up to €500 straight into your account just a few days after receiving your first salary at ABANCA.

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No fees
No worries

As a digital customer(2), this payroll account has no maintenance or administration fees (0% APR).

Your card, your way

With your young payroll account, you get a Tú NX debit card and a credit card with no issuance, maintenance, or administration fees(3) until you turn 35. Request it physically, use it virtually. Or both.

Plus, the Tú NX gets a surf makeover: grab your limited edition ABANCA Pantín Classic Galicia Pro. Available only from August 4 to 31 or while supplies last(4)!

€50 for each friend

For every friend you refer who becomes an ABANCA customer by having their salary paid into ABANCA, you’ll receive €50 net, until December 31, 2026. You can invite up to 10 friends and earn up to €500! The more you invite, the more you earn.



Check the terms and conditions

Share an account,
double the benefits

Here you can open the account together, manage your money jointly, and if you both bring your salary, you each get €500.

Yes, you also have Bizum

Activate it in the app in seconds and start sending or receiving money in Spain. You can also send or receive money to Portugal, Italy, or Andorra. All from your mobile.

For your travels

Withdraw cash wherever you want, up to five debit withdrawals per month at any ATM in the world, with no ABANCA fees.

Remember that some banks may charge you for using their ATMs.

Pay anywhere in the world, with no currency exchange fees!

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Apply for your Young Payroll Account in just 10 minutes

Your DNI or NIE

And if you are working, we will also ask you for information about your occupation.

Your mobile phone

We will send notifications to your mobile to complete the account opening process and validate it.

A video selfie

Have your camera on and you’re ready.

Check the informative document on commissionsView PDF file and the list of the most representative services.

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Security for your money

Your money is where it should be: protected, safe, and under your control. Our ABANCA Key technology adds extra layers of security to every transaction from your app.
More info about Security

Advantages of the ABANCA Young Payroll Account: your money, your rules

If you are between 18 and 34 years old and are looking for a bank that speaks your language, the ABANCA Young Payroll Account is one of the most competitive accounts on the market for managing your financial independence. We have designed this product with digital natives in mind who value immediacy: no waiting at branches, with 100% digital management and the freedom to operate from your mobile anywhere in the world.

1. A 100% online account with no maintenance fees

One of the main benefits is the absence of maintenance and administration fees. How does it work? It is designed for young people who prefer the autonomy of the ABANCA app, and do not want to go to a branch. It is the ideal option for those starting their working life and want every euro of their salary to stay in their account.

2. Get up to €500 in cash for direct depositing your salary

When you bring your salary to ABANCA, we reward your trust with a direct cash incentive.

  • €500 gross incentive: for salaries over €1,200.
  • €185 gross incentive: for recurring income between €800 and €1,200.
  • Conditions: a 24month commitment is required, allowing you to enjoy an account for your daily needs and exclusive longterm benefits.

3. NX Card: withdraw money for free at any ATM in the world

The NX Card is the perfect companion for travelers (Erasmus students or digital nomads). You can withdraw money with no fees at any ABANCA ATM and abroad up to 5 times a month. ABANCA won’t charge you for the withdrawal, but remember that some banks may charge you for using their ATM.

You also don’t pay for currency exchange. For example: If you’re traveling in London or New York, you can pay for your dinners or shopping without currency exchange fees, saving on every transaction compared to conventional cards.

4. Instant payments with Bizum, Apple Pay, and Google Pay

Connectivity is total. Integrate your account with the most advanced payment systems on the market:

  • Bizum: Instantly send or request money from your friends to split a dinner bill or contribute to a group gift.
  • Mobile payments: Use your phone or smartwatch with Apple Pay or Google Pay to shop securely without needing to carry your wallet.

5. Total management from the ABANCA App

ABANCA's mobile banking is not just a consultation tool, it's a 24/7 financial management center:

  • Budget control: group your transactions with custom tags, manage your expenses, and discover how much you save.
  • Contract other products: from the App you can request other services, such as health insurance or access to the online broker to start investing.

Digital signature: you can sign contracts for many financial products directly from your mobile.

Discover all our bank 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

If you're looking to make your money work for you and grow your savings, we have an interest-bearing account for you.

Self-Employed Account

Your ally account if you are self-employed. With everything you need for your day-to-day, and special solutions for your business.

Youth Account without Payroll

For students or if you are young and don't have a payroll yet, we have another account for you. 100% digital and ideal for managing your money easily.

Have questions? We have answers

Questions

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Documentation

Te mostramos toda la información en el siguiente documento que contiene la Ficha de Información Precontractual (FIPRE).

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Consulta el Documento Informativo de Comisiones (DIC).

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¿Quieres saber más de la tarjeta Tú? Aquí tienes toda la información bajo los estándares de la Unión Europea (INE)

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Lista de servicios más representativos asociados a esta cuenta

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Consulta el modelo de contrato de la Cuenta Clara

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Check all the general preliminary information about payment services.

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Si quieres solicitar un traslado de cuentas a ABANCA, te contamos cómo hacerlo

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¿Necesitas más información? Hemos hecho un vídeo para explicar lo más básico :)

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On the blog

Si no entiendes los conceptos de tu nómina, te los explicamos para que te queden claros.

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¿Ahorrar es tu objetivo? ¡Házlo casi sin darte cuenta!

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¿Cuánto tarda una transferencia bancaria?

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¿Cuánto se tarda en abrir una cuenta?

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(1) Net incentive of €405, which is €500 gross, until December 31, 2026 for new customers who direct deposit a salary or pension of €1,200/month or more. 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 are subject to withholding tax. Not combinable with other salary/pension campaigns. The promotion will not apply to customers who have already had their salary or pension direct deposited 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 for the remaining months to reach the 24-month period.

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 standard 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. After that, you can continue to enjoy this credit card without paying a cent 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.

(4) To enjoy the Tú NX card, you need to have an account with ABANCA. Tú NX Pantín Limited Edition Card: 12,000 units available for new sign-ups and renewals, throughout the national territory, for applications submitted between August 4 and August 13, 2026, or until stocks last.

With the Clara Online 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 (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 entity's risk analysis.

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 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, 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 agreement in the insurance section of abanca.com