€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.
Your card, your way
With your online account, you get a debit card at no cost, and a credit card with no issuance or maintenance fee for the first year(2). Use 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 May 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
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.
Move your money
Without moving
Send money wherever you want, whenever you want, and at no cost.
With your online account, you can make non-urgent euro transfers within the EU directly from your app.
Apply for your online payroll account in just 10 minutes
Your DNI or NIE
Your mobile phone
A video selfie
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
Self-Employed Account
Youth Account
Digital bank: yes
900 branches: also
Do you have questions about the online payroll account? We have answers.
La Cuenta Online está pensada para clientes con perfil digital que prefieren realizar sus operaciones a través de la app de banca móvil o en la banca electrónica. Si realizas ingresos, reintegros, transferencias o traspasos en ventanilla durante dos meses consecutivos perderás los privilegios de esta cuenta y pasarás a tener una cuenta estándar.
Una cuenta estándar trae asociada una serie de pagos por los servicios que te ofrecemos y que tendrías que empezar a pagar. Sin embargo, con el Programa Servicios ABANCA es muy fácil que no pagues por estos servicios si cumples unos requisitos muy sencillos. Puedes comprobarlo en nuestra web.
En cualquier caso, antes de que tengas que empezar a pagar, te avisaremos.
La Cuenta Online está pensada para clientes con perfil digital y que prefieren realizar sus operaciones a través de la app de banca móvil o en la banca electrónica. Si realizas ingresos o reintegros inferiores a 600€ en ventanilla, o vas a una oficina a realizar transferencias o traspasos de cualquier importe durante dos meses consecutivos perderás los privilegios de esta cuenta y pasarás a una cuenta estándar.
Para que esto no suceda, te avisaremos a tiempo en caso de que estés incumpliendo alguna de las condiciones y poder evitar la cancelación de la Cuenta Online.
Para abrir una Cuenta Online Clara sin comisiones de forma online tienes que ser residente en España y tener más de 18 años.
Hacerte cliente es muy sencillo, 100% online y sólo te llevará unos minutos. Para ser lo más ágiles posible, debes tener a mano tu documento de identidad (DNI o NIE con foto), tu teléfono móvil y un documento que acredite tu actividad laboral, (te lo pediremos al final del proceso para que te dé tiempo a buscarlo). El documento puede ser la copia de la nómina, IRPF o vida laboral de la Seguridad Social. Por último, te haremos un vídeo selfie para identificarte, asegúrate de que tu dispositivo móvil tiene activado los permisos de cámara. o en caso contrario, podrás seleccionar finalizar en una oficina.
No es necesario que domicilies tu nómina o pensión para disfrutar de todas las ventajas de la cuenta, pero si lo haces puedes beneficiarte de nuestra promoción. Recuerda que para poder disfrutar de este beneficio es necesario que:
- Te adhieras a la campaña (te preguntaremos durante el proceso de alta si aceptas las condiciones)
- Hagas el cambio de domiciliación de la nómina con tu empresa o de la pensión con la Seguridad Social (u otros organismos).
- Que te llegue el ingreso a tu nueva cuenta. Tienes dos meses a partir de la firma de la adhesión a la campaña.
- El incentivo de la ‘promo’ lo recibirás en el plazo máximo de un mes a partir de ese primer ingreso de nómina o pensión.
No te preocupes, te iremos guiando a medida que avances en el formulario de contratación.
DOCUMENTACIÓN
EN EL BLOG
(1) Net incentive of €405, which is €500 gross, available until May 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 payroll/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 Online Payroll 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 ABANCA online payroll account, you only need to be of legal age, live in Spain, and not be an ABANCA customer. Once the account is opened, to enjoy all its benefits you must be up to date with your payments if you have any loan, credit, or other product with ABANCA. Also, 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 account will switch to the conditions of 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 we also explain this.
(2) The Visa Tú credit card will have no issuance fee during the first year. Afterwards, you can continue to enjoy this credit card with no fee 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 account package, 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 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. Check the conditions of the Flat Rate Insurance at abanca.com/tpsCCGG
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 floor, A Coruña, registered in the Commercial Registry of A Coruña, volume 3321, page 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 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, page 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. Check the rest of the insurance companies with which the broker has an agency agreement in the insurance section of abanca.com
