Wide, interesting and diversified. Three adjectives that define what the account offering on the national banking scene is currently like. Therefore, choosing one among many options can end up consuming a lot of time and energy. So, after hiring it, it is common for us to settle in and leave our payroll and savings hibernating in it. However, this immobility prevents us from taking advantage of the more than interesting opportunities that moving from one entity to another has.
The banking world shares similarities with the telecommunications sector. Tempting offers abound, but they are usually aimed exclusively at new customers, that is, those willing to move from one bank to another. This is why moving our payroll can make our income grow significantly. Gifts, remuneration and exclusive benefits are the reasons they encourage us to do so.
Currently, according to the experts at the comparator HelpMyCash.com, who have analyzed the best payroll accounts on the market, there are banks that give away up to 400 euros to newcomers who open an account and direct deposit their income into it. However, incentives are not limited to mere gifts. Some entities offer profitability and each entity even includes specific advantages to attract new users, which are still opportunities to get a return on our money. For example, alternative investment avenues.
However, when signing up for an account, it is not enough to think only about the incentives. It is crucial, as HelpMyCash explains, to carefully review the details of the account, especially the conditions and associated commissions.
Banco Santander, for example, offers up to 400 euros as a gift. New customers who open their Santander Online Account before December 31 and direct deposit a payroll or pension of at least 600 euros, along with two receipts, will obtain 300 euros. And if that payroll or income reaches or exceeds 2,500 euros, the gift also increases, up to 400 euros. Plus, the account has no fees and comes with a free debit card. Of course, it requires a stay of two years.
A second option is the Sabadell Online Account, also for new clients and which offers profitability. When opening the account, the client enjoys a return of 6% TIN for the first three months and 3% APR thereafter and up to 20,000 euros, which could generate more than 600 euros in interest. In turn, the entity returns 3% of electricity and gas bills. And not only that, but, like the associated debit card, it also has no fees. The catch is that this offer has an expiration date: January 2, 2024.
Thirdly, the Evo Payroll Welcome Smart Account offers, among other benefits, an alternative opportunity to remuneration and gifts. Specifically, the possibility of opening a deposit to invest and diversify income, which provides a return of 2.85% APR for one year. At the same time, the account itself also offers remuneration with the same APR up to 30,000 euros, eliminates all commissions, including those for withdrawing cash abroad, and gives away the credit and debit card.
In reality, none of the previous accounts require direct debit of a payroll as a requirement. They are free, even if the client does not receive their monthly salary. However, by direct depositing regular income, you will always have access to more attractive advantages.
