Side by side

Default profile: gifts at 80% of retail. The best value in each numeric row has a green outline. How we rank

Side-by-side comparison of 2 offers
FieldBBVAUp to EUR 760 gross in year one, EUR 400 of it for a EUR 800+ payroll, no lock-inIbercaja5.10% TAE in year one and 2.02% in year two on up to EUR 20,000 with a EUR 600+ payroll
GoalSalarySalary
ProductBBVA Cuenta Online sin comisiones (Plan 1.060)Cuenta Nómina Vamos
RewardCash€760Rate5.1% TAE
Net value, first year€615.60Best€413.10
Value per monthn/an/a
CommitmentNoneUnknown
Rate (TAE)n/a5.1%
Rate period12 months12 months
Balance capn/a€20,000
Monthly fee€0€0
Minimum income€800/month€600/monthBest
New customers onlyYesYes
Other requirements
  • Payroll (or pension) of EUR 800+ a month in one payment, identified as payroll
  • Open the account digitally with code PLAN1060
  • Card spending, Bizum and direct debits each earn their own block
  • EUR 10,000 average balance for the extra EUR 300
  • Open between 2026-09-11 and 2026-12-31 with a debit/credit card and Banca Digital Ibercaja contracted at the same time
  • Domicile payroll, pension or unemployment benefit of EUR 600+; first one within 2 calendar months after the month of opening
  • At least 6 card movements and 6 direct-debit charges each half-year
  • Not a holder of any Ibercaja product, or a customer for 6 months or less
PenaltyNo permanence and no penalty; a block is simply not paid when its condition is missed.None stated
Residents onlyUnknownUnknown
NIE or TIE acceptedUnknownUnknown
Open to non-residentsUnknownUnknown
Catches
  • penalty: No permanence and no penalty; a block is simply not paid when its condition is missed.
  • needs income of at least EUR 800 a month
  • needs income of at least EUR 600 a month
Valid until10 Nov 202631 Dec 2026
Verified
SourceSourcefor BBVA (opens in a new tab)Sourcefor Ibercaja (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile