2% APR on your savings,
now with no balance limit!
A bonus for your savings
If you open your interest-bearing account at ABANCA and bring in your income of €1,200 or more, you get 2% APR1
- 2% APR for the first year on the balance you have in your account.
- No minimum or maximum amount! And your money is always available.
You will receive the interest generated by your account balance (€3,000, €30,000, €70,000…) once a month. That’s why the amount may vary each month, as it depends on the balance you maintain.
This remuneration is exclusive to this account and cannot be combined with other payroll promotions.
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 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 your account,
simplify your finances
Yes, you also have Bizum with the interest-bearing account
Activate it in the app in seconds and start sending or receiving money. All from your mobile.
Move your money
Without moving
With this interest-bearing account, transfers are free of charge for non-urgent euro payments within the EU, directly from your app and hassle-free.
Apply for your account in just 10 minutes
Your DNI or NIE
Your mobile phone
A video selfie
Security you can feel, not just think about
Whether you want to make the most of your savings or get the most out of your income, we have an account for you.
Payroll Account
Everything you’re looking for in an account, with benefits that add up from day one. And a bonus for sharing it with your friends!
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, you can also withdraw money for free at ATMs in Spain.
Do you have questions about the online interest-bearing account? We have answers.
DUDAS
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.
DOCUMENTACIÓN
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
View PDF file in a new windowCheck all the general preliminary information about payment services.
View PDF file in a new windowEN EL 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 windowConsulta todas las ventajas de tener una nómina
It will open in a new window(1) Interest on the interest-bearing account for new customers who direct deposit a new salary or pension of at least €1,200 or social security payments of €50/month. The interest rate will be NIR 2% APR 2% during the first year, starting from the 1st day of the month following the account opening date. Interest is settled monthly. Representative example for a balance of €50,000: NIR: 2% APR 2% Gross interest settled in the year: €1,000. Interest on balances from the second year onwards: NIR: 0% APR 0% . The interest-bearing account is not compatible with payroll incentive campaigns. Valid until December 31, 2026.
To open ABANCA’s interest-bearing account, you only need to be of legal age, live in Spain, and not be an ABANCA customer. Once you have opened the account, if you want to enjoy all its 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 account will be converted to a standard 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 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 equal 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
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, 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 intermediary has an agency contract in the insurance section of abanca.com