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 Account

€500

for bringing your salary

If it doesn't happen at your bank, leave your bank. Exclusive for new customers

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€500 for your income

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

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


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

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No fees
No worries

This payroll account has no maintenance fee (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 or maintenance fees until you turn 35. Order it physically, use it 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 December 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

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’ll each get the incentive.

Yes, you also have Bizum

Activate it in the app in seconds and start sending or receiving money in Spain or abroad (yes, with ABANCA you can use Bizum in countries like Portugal, Italy, or Andorra). All from your mobile.

For your travels

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

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 online payroll account in just 10 minutes

Your DNI or NIE

And if you are working, your payslip as well.

Your mobile phone

We will send you notifications
for your validation.

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 you can feel, not just think about

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 information
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

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

DUDAS

More real questions and answers about the Online Youth AccountIt will open in a new window

DOCUMENTACIÓN

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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EN EL 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, available 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 the direct deposit 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 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 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, 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. 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 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 would also incur other fees for 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 this is also explained.

(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 of at least €3,000 with it. 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’s an example of paying for insurance policies direct debited to your Flat Rate Insurance, without 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.

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, 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 DGSFP registration code 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 DGSFP registration code C0031, and SANITAS, Sanitas Sociedad Anónima de Seguros with registered office at Ribera del Loira, 52 –28042 Madrid and DGSFP registration code C0320. See the rest of the insurance companies with which the intermediary has an agency agreement in the insurance section of abanca.com