Cuenta Clara: risk indicator
1/6
This number indicates the risk level of the product, with 1/6 indicating 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 credit institution.

Youth Account Without Payroll and No Fees

Everything you need, in a single account (and free)
The 100% digital Youth Account Without Payroll and no fees. Get your free NX card to withdraw cash worldwide and pay with your mobile or Bizum. Open it in minutes and travel without limits!
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The digital account for students and young travelers

This account is designed for students and young people between 18 and 34 years old who do not yet have a salary. No fees and everything you need to manage your money—and your travels!

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No fees
No worries

Because you are a digital customer1, we do not charge you maintenance or administration fees. (0% APR)

For your travels

You have a Tú NX debit card with no issuance or maintenance fees until you turn 35.

You can 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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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.

Apply for your Youth Account Without Payslip in just 10 minutes

Your DNI or NIE

And if you are working, your payslip as well.

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.

Share your account,
double the benefits

Here you can open the account together, manage your money jointly, and handle your finances easily.
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Discover all our bank accounts

Choose the ABANCA account that best suits you.

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Youth Account with Payroll

If you already have a payroll, you could enjoy this online account and get up to €500 for bringing your payroll to ABANCA.

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.

Discover the mobile banking app

Your perfect companion for managing your money, with spending statistics and reports so you don't miss a thing.

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

What are the advantages of opening a Young Account without Payroll with ABANCA?

Opening the ABANCA Young Online Account without payroll is the ideal option if you're looking to manage your finances with complete freedom. It's a great choice for students, exam candidates, or young people taking their first steps in the world of saving and who want a bank that makes things easier for them.

1. No fees and no conditions: how does it work?

The main benefit of this account is that it has €0 maintenance and administration fees as long as you manage it 100% digitally. - It’s perfect for young people (1834 years old) who don’t yet have a steady income but need an operational account in Spain to receive transfers from their parents, manage their savings, or make online purchases securely. - All you need is your mobile phone and an internet connection to have full control, with no need to visit a branch.

2. Free NX Card: Your Best Travel Companion

The NX debit card is, without a doubt, the star advantage of the Young Account.

You can withdraw money with no fees at any ABANCA ATM and up to 5 free withdrawals per month at any ATM worldwide (outside Spain). If you go on Erasmus or on vacation to a country with a different currency, you won’t pay a single euro in currency exchange fees when paying with your card in stores. It’s the ideal tool to avoid surprises in your travel budget.

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

3. Everything from your mobile with Bizum and NFC payments

Carry your bank in your pocket with one of the highest-rated apps in the industry. - Fast payments: Activate Bizum to send money instantly to your friends (perfect for splitting dinner bills or shared gifts) and pay easily using your mobile with Apple Pay or Google Pay. - Contract management: Need to sign up for an additional product? You can do it with a digital signature directly from the App, with full legal validity.

4. Free standard bank transfers

Make online SEPA transfers that are not urgent, within the eurozone, without paying any fees.

You can move your money between accounts or pay the rent for your shared apartment easily, quickly, and securely from online banking or the App, even scheduling recurring payments so you never miss an important date.

5. Associated products and services for your future

Being a customer of the Young Account Without Payroll gives you access to other benefits from ABANCA: - Insurance for young people: Access to free antifraud insurance, to protect you in case of malicious use of your card. - Wherever you need us: If at any time you need to take a step further (such as applying for your first loan), you can visit any of our more than 900 branches to receive personalized attention.

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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Lista de servicios más representativos asociados a esta cuenta

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Consulta el modelo de contrato de la Cuenta Joven

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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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To open the Online Youth Account, you just need to be of legal age, live in Spain, and be under 35 years old. 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.

(1) Since this is an account for digital customers, you need to 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 our ATMs) or transfers and account-to-account movements (which you can do for free from your app) for two consecutive months, your Online Youth Account will then be subject to the conditions of a regular current account, which does have administration and maintenance fees, and you would have 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 we also explain this. And what happens when you turn 35? Everything will remain the same, except your card will no longer be the Tú NX; you will have other options.

With the Online Youth 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’s an example of paying for insurance policies included in your flat rate insurance, without taking into account any discounts. Suppose the annual premium amount for all the 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/tpsCCGGView PDF file.