Netclub Account
Netclub Points
How to redeem them
For your son or daughter
An account to help them learn to save
- The Netclub Account is a children's account for minors aged between 0 and 15 years.
- As they save, they will accumulate Netclub points that can be exchanged for books, music, technology, and more…
- No fees or interest of any kind (NIR 0% and APR 0%).
- Any balance in the account will not be remunerated; for example, if the existing balance were €6,000, the remuneration for that amount would be €0.
See the information document on fees and the list of the most representative services
How does the Netclub Points Program work?
You will accumulate points quarterly, based on the average balance you have in your account at that time: 1 point for every 50 euros of balance. For example: if you open a Netclub Account on January 1st with 50 euros and keep that amount until December 31st, you would receive four points, one each quarter.
Every three months, you will receive a statement informing you of your balance, or you can call us at 981 910 522. You can find all the information in the program terms and conditions.
What documentation do I need to open a Netclub account?
- The family record book or the registration certificate.
- The minor's ID and the ID of the legal representatives.
- If the legal representatives are not the parents, documentation proving this status must be provided.
And what happens when my child comes of age?
At 16, they will automatically move into the Youth level of the ABANCA Services Program, without you having to do anything, and will be able to enjoy a host of benefits until they turn 30:
- They won't pay maintenance fees if the account is in their name and all account holders are between 16 and 29 years old. They can make free transfers through their online banking and the ABANCA app.
- They will have a Tú NX Mastercard card at no cost, with no issuance or maintenance fees, and will enjoy special conditions until the age of 35. They can withdraw cash with debit at any ABANCA ATM and up to 5 times a month at the Euro 6000, Euronet, Banco Sabadell, Bankinter, Caja de Arquitectos, Caja de Ingenieros, Euro Automatic Cash and Banca March Network.
In accordance with current regulations, this remuneration from ABANCA constitutes what is known as investment income in kind and, therefore, is subject to Personal Income Tax (IRPF) by the recipient and, where applicable, to the corresponding withholding obligation by the payer. It is ABANCA's responsibility to make the applicable withholding payment, if necessary, and the amount will be assumed by ABANCA as an additional part of the remuneration. Under no circumstances may the products in our Netclub catalog be subject to financial compensation or cash remuneration.
Have questions? We have answers
Puedes consultar tu saldo de puntos Netclub en el buzón de tu app o banca electrónica.
Además, realizar un pedido es muy fácil. Sólo tienes que acceder a www.netclub.abanca.com y añadir el artículo que quieres al carrito de la compra.
Puedes canjear los puntos Netclub por libros, videojuegos, tecnología o cualquiera de los objetos que aparecen en el catálogo Netclub.
De acuerdo con la normativa vigente, los objetos promocionales constituyen una retribución en especie para ti, por lo que están sujetos al Impuesto sobre la Renta de las Personas Físicas (IRPF). ¿Qué significa esto? Pues que ABANCA, cuando te entregue un objeto que aparezca en el catálogo Netclub, te imputará el valor de la retribución en especie a efectos de su declaración de IRPF, tal y como lo exige la normativa.
DOCUMENTACIÓN
EN EL BLOG
