What is a bank account

Our delegated investment options

Below, find the portfolio that best suits you. Please consider the time horizon and that the minimum investment starts from €20,000, depending on the portfolio.

ABANCA 360 Portfolio: More information and Sustainability information
ABANCA Futuro Portfolio: More information and Sustainability information
ABANCA Responsable Portfolio: More information and Sustainability information
ABANCA Equilibrio Portfolio: More information
ABANCA Combinada Portfolio: More informationView PDF file

Our delegated investment options

Below, find the portfolio that best suits you. Please consider the time horizon and that the minimum investment starts from €20,000, depending on the portfolio.

Our delegated investment options

Below, find the portfolio that best suits you. Please consider the time horizon and that the minimum investment starts from €20,000, depending on the portfolio.

Types of bank accounts

Not all accounts serve the same purpose. Choosing the right one depends on how you use your money: whether you need it for daily transactions, saving for the future, or managing a business. At ABANCA, we design each option to suit a different stage of life.

Daily Management: Current Account and Payroll Account

The current account is the essential support for your "on-demand" money, that is, your day-to-day funds. At ABANCA, we have evolved this concept into the Online Payroll Account, eliminating bureaucracy and costs.

Clara Online Account: Designed for those who operate 100% online. No maintenance or administration fees.
- Incentives: Access to cash promotions when you direct deposit your income

Más información

Savings and Profitability: Interest-Bearing Accounts

For those who want their money to work without losing access, ABANCA offers products that combine savings and daily operations.

Interest-Bearing Account: Unlike a fixed-term deposit, here you can still access your money.
- Full liquidity: You can withdraw your funds or use them via Bizum at any time.
- Profitability: 2% APR remuneration on your balance during the first year.
Savings Account: Ideal for building an emergency fund separate from your regular expenses, with 0% maintenance fees.

More information

Solutions for Youth and Children

We promote financial health from the earliest stages of life with tools tailored to each age group. - Netclub Account (0-15 years): An educational savings account that rewards consistency.

- Netclub Points: Savings are converted into points redeemable for gifts from the children's catalog.

Youth Account (18-34 years): Designed for digital natives who travel and need flexibility.
- Travel without limits: Allows free cash withdrawals at foreign ATMs (up to 5 withdrawals per month at no cost).
- Biometric sign-up: Open your account in 10 minutes with a video selfie.

Clara Youth Account Cuenta Netclub

Account for Freelancers and Professionals

We understand the challenges of self-employed workers, which is why we offer an account that acts as a financial manager.

Clear Account for Freelancers: Separate your personal and professional finances with direct economic benefits.
- €500 Incentive: When you direct debit your social security payments (>€50/month) with a commitment to stay.
- Tools: POS terminal with reduced fees (0.20%) and free credit cards for the first year.

More information

Our delegated investment options

Below, find the portfolio that best suits you. Please consider the time horizon and that the minimum investment starts from €20,000, depending on the portfolio.

Product	Recommended Profile / Use	Main Advantages	Limitations	Key Requirements	More Information
Commission-Free Online Salary Account	Workers and pensioners with recurring income.	Cash incentive of up to €500 and free cards.	Requires a 24-month commitment period.	Salary >€1,200 and 100% digital management.	More information about the Online Salary Account
Commission-Free Interest-Bearing Account	Savers looking for profitability and liquidity.	2% APR for the first year and monthly interest settlement.	Profitability requires direct-debiting a salary.	Digital profile and being a current account holder.	More about the Interest-Bearing Account
Youth Account with Salary	Young adults (18-34 years old) with their first job.	NX Card (5 free withdrawals worldwide) and a salary incentive of up to €500.	Age limit up to 34 years old.	Age between 18-34 years and direct-debit salary.	Youth Salary Account
Online Youth Account without Salary	Students or young people without a fixed income.	Fee-free, Bizum, and free NX card to travel without currency exchange costs.	Does not allow access to cash salary incentives.	Age between 18-34 years and use of digital channels.	Youth Account without Salary
Account for the Self-Employed	Freelancers and entrepreneurs.	€500 incentive for direct-debiting the self-employed social security contribution.	Operations highly focused on business.	Direct-debit the self-employed contribution with the bank	Más información Cuenta Autónomos
Netclub Children's Account	Children and teenagers (0-15 years old).	Catalogue of gifts for savings and early financial education.	Limited operations (overdrafts and investments are not permitted).	Legal representative as guardian and age <15 years.	Netclub Children's Account
Basic Payment Account	Users who meet the legal requirements to open it.	Access to basic services (deposits, withdrawals, payments).	Does not offer incentives, interest, or credit cards.	Meet legal access requirements.	More information about the Basic Account

Our delegated investment options

Below, find the portfolio that best suits you. Please consider the time horizon and that the minimum investment starts from €20,000, depending on the portfolio.