March 25, 2023

The bank maintains at this start of the year the cash for the direct debit of the payroll as a claim to increase the number of clients. Thus, while they resist remunerating deposits, despite the rise in interest rates and their consequent contagion in the Euribor, they have opted for this strategy. The benefit for the bank is double. On the one hand, they increase customer acquisition, but on the other hand, they ensure regular income. However, before opting for this initiative, the client must take into account whether they meet the requirements to access the promotion, whether the account applies commissions and what the required period of stay is.

With all these offers have expiration date rivals to maintain or change your strategy.

Among the entities that have invested most strongly in this way, Abanca stands out. The bank awards 300 euros to those customers who direct deposit a payroll of at least 1,200 euros. For lower imports, but between 800 and 1,199 euros, the prize is 150 euros. In any case, it is a gross import, that is, the entity will retain 19% of this amount. In addition to regular income, the client will have to use online banking, without doing any branch operations and respecting a 24-month stay period.

Cajamar also gives away cash, but cuts this amount down to 200 euros. To access this promotion it is necessary to direct deposit a salary of 1,200 euros per month and remain in the bank for 36 months. To avoid charging commissions, you will also have to have an average balance of 1,000 euros and the client will be able to access a remunerated account if they have contracted a card, an investment product and digital banking.

The listed bank also rewards with cash

Listed banks are no strangers to this commercial policy, although in these entities the total amount of the gift is lower. Banco Sabadell is, for the moment, the bank that rewards the most within the big banks. In total, 175 euros, net, since it is the entity that is responsible for paying the taxes. To access this amount it is necessary to direct deposit a salary, be a new customer and contract the ‘Online Account’ through digital channels.

Unicaja, which has just debuted on the Ibex, also rewards 150 euros net to those who register as clients and pay a direct deposit of at least 600 euros, and will remain in the entity for a minimum of 24 months. To do this they must have an ‘online’ account, which gives access to an account without commissions or administration or maintenance. The offer will be valid until June.

Banco Santander and BBVA award 150 euros gross (121.5 euros net) to new customers who direct payroll into their online accounts, which in the case of Banco Santander is 600 euros, while it rises to 800 euros for the second bank. In both cases, the permanence period is 12 months and they do not charge commissions or expenses or account administration. Close the Openbank Circle. The digital subsidiary of the bank chaired by Ana Botín also gives away 150 gross euros to customers with a salary of 1,000 euros (600 euros for the youngest).

Bankinter stands out

Bankinter would be the entity that distanced itself from this strategy. And it is that Bankinter maintains its offer to capture payrolls unchanged, through which it offers a return of 5% the first year and 2% the second year for a maximum remunerated import of 5,000 euros. In return, the minimum amount of the payroll is 800 euros after having reduced it during the pandemic and the period of permanence would be two years. This would guarantee gross profits of 340 euros, to which the corresponding tax withholding would have to be applied.

In the case of not playing with the power of a payroll, Openbank awards 40 euros to those who increase their account balance between 10,000 and 19,999 euros, while the cash gift rises to 60 euros if this increase exceeds 20,000 euros For its part, Norwegein Bank has chosen to encourage the use of its cards. Thus, it gives 30 euros on a card, at a rate of 15 euros in the case of activating it and another 15 when the first operation is carried out.

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