Online Payroll Account Without Fees with €500
€500for bringing your salary.
Save with ABANCA's Online Payroll Account: no maintenance or administration fees, with BIZUM, free debit card and free credit card for the first year. Plus, receive up to €500 for bringing your salary. Manage everything online with complete security.
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.
How the Online Payroll Account Promotion Works
Open your account
Direct deposit your paycheck
Receive your €500
| Payroll | Incentive(1) |
|---|---|
| Payroll under €800 | €0 |
| Between €800 and €1,199 | €185 |
| Payroll of €1,200 or more | €500 |
No fees
No worries
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 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.
Share an account,
double the benefits
Advantages of Opening the Online Payroll Account
Opening the ABANCA Online Payroll Account is a very good option for those looking to manage their monthly income combined with the agility of technology, as this account has been designed to adapt to your lifestyle. Below, we detail how it works and why it is the preferred choice of thousands of users.
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.
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
Security for your money
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
If you are between 18 and 34 years old, this account is for you. 100% digital and ideal for managing your money easily.
Digital bank: yes
900 branches: also
Not only do you have your manager close to home, but you can also withdraw money for free at ABANCA ATMs in Spain.
Do you have questions about the Online Payroll Account? We have answers
Questions
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 webIt will open in a new window.
En cualquier caso, antes de que tengas que empezar a pagar, te avisaremos. Una vez recibas el aviso de incumplimiento, si tienes dudas sobre el motivo, puedes llamarnos por teléfono al 900 815 522 (+34 981 910 522 si llamas desde el extranjero).
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.
Documentation
Te mostramos toda la información en el siguiente documento que contiene la Ficha de Información Precontractual (FIPRE).
View PDF file in a new windowConsulta el Documento Informativo de Comisiones (DIC).
View PDF file in a new window¿Quieres saber más de la tarjeta Tú? Aquí tienes toda la información bajo los estándares de la Unión Europea (INE)
View PDF file in a new windowLista de servicios más representativos asociados a esta cuenta
View PDF file in a new windowConsulta el modelo de contrato de la Cuenta Online
View PDF file in a new windowCheck all the general preliminary information about payment services.
View PDF file in a new windowOn the blog
¿Cuánto se tarda en abrir una cuenta?
You will be redirected to another website and it will open in a new window¿Ahorrar es tu objetivo? ¡Te contamos cómo hacerlo casi sin darte cuenta!
You will be redirected to another website and it will open in a new window¿Cuánto tarda una transferencia bancaria?
You will be redirected to another website and it will open in a new windowCheck all the benefits of having a payroll
It will open in a new window(1) Incentive of €500 gross (the net amount paid will be €405) until December 31, 2026 for new customers who direct deposit their salary or pension with an amount equal to or greater than €1,200/month. If your salary is greater than €800 and less than €1,200, the incentive will be €185 gross (€150 net). Monetary capital gains subject to withholding tax. Not combinable with other payroll campaigns. The promotion will not apply if you have already had your salary or pension direct deposited with ABANCA at any time in the last 12 months; or if you have a remunerated account contracted with the entity. Promotion valid for new payroll direct deposits from €800. Cash payment of up to €500 gross (€405 net) by maintaining the payroll for 24 months. If you stop having your payroll direct deposited with us before this period, you will have to return the proportional part that we have already paid you for the months remaining until reaching 24 months (for example: after 12 months of permanence, you definitively consolidate 50% of the incentive paid).
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 ABANCA's online account, you only need to be of legal age, live in Spain, and not be an ABANCA customer. Once the account is opened, if you want to enjoy all its benefits, you must be up to date with your payments with ABANCA, in case you have any loan, credit, or any other product with us.
(2) As this is an account for digital customers, you must carry out your usual transactions through your app, online banking, or ATMs.
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 be converted to a regular current account, which does have administration and maintenance fees, and you will also have 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 Visa Tú credit card will have no issuance fee during the first year. Afterwards, you can continue to enjoy this credit card without paying a fee if you make annual purchases with it of at least €3,000. The granting of this product is subject to the entity's risk analysis.
With the account package, you will also contract our Flat Rate Insurance, so if one day you 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. 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/tpsCCGGView PDF file
INTERMEDIARY: ABANCA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO S.L., tied bancassurance operator, with registered office at Avda. de la Marina No. 1, 4th, 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, A Coruña. ABANCA Generales de Seguros y Reaseguros, S.A., with NIF A14715270 and registered office in A Coruña, Avda Linares Rivas 30 3rd, 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 intermediary has an agency contract in the insurance section of abanca.com