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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
FieldIbercaja5.10% TAE in year one and 2.02% in year two on up to EUR 20,000 with a EUR 600+ payrollDeutsche Bank EspañaEUR 500 gross (EUR 405 net) over 12 months for a payroll or pension of EUR 2,000+ a month
GoalSalarySalary
ProductCuenta Nómina VamosCuenta Nómina Más DB
RewardRate5.1% TAECash€500
Net value, first year€413.10Best€405.00
Value per monthn/a€33.75
CommitmentUnknown12 months
Rate (TAE)5.1%n/a
Rate period12 months12 months
Balance cap€20,000n/a
Monthly fee€0€0
Minimum income€600/monthBest€2,000/month
New customers onlyYesYes
Other requirements
  • 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
  • Payroll or pension of EUR 2,000+ a month; summed incomes, cash deposits and transfers between own accounts do not count
  • Average monthly balance of EUR 3,000+ in the Cuenta Nómina Más DB during the 12 months
  • Not combinable with other Deutsche Bank payroll, pension or SEPE offers
  • Customer who has never been a Deutsche Bank customer
PenaltyNone statedPayment stops if either condition is missed in a month; no clawback of paid instalments is stated
Residents onlyUnknownUnknown
NIE or TIE acceptedUnknownUnknown
Open to non-residentsUnknownUnknown
Catches
  • needs income of at least EUR 600 a month
  • penalty: Payment stops if either condition is missed in a month; no clawback of paid instalments is stated
  • needs income of at least EUR 2000 a month
Valid until31 Dec 2026No end date
Verified
SourceSourcefor Ibercaja (opens in a new tab)Sourcefor Deutsche Bank España (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile