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
FieldIbercaja5.10% TAE in year one and 2.02% in year two on up to EUR 20,000 with a EUR 600+ payrollUnicajaUp to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-in
GoalSalarySalary
ProductCuenta Nómina VamosUnicaja Online Account
RewardRate5.1% TAECash€450
Net value, first year€413.10Best€364.50
Value per monthn/an/a
CommitmentUnknownNone
Rate (TAE)5.1%n/a
Rate period12 months12 months
Balance cap€20,000n/a
Monthly fee€0€0
Minimum income€600/month€600/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 paid directly into the account (or self-employed contributions of EUR 50+ by direct debit)
  • Conditions met within 3 months of joining
  • No payroll or pension paid into a Unicaja account in the last 12 months
  • No Unicaja products in the last 12 months
PenaltyNone statedNone stated
Residents onlyUnknownYes
NIE or TIE acceptedUnknownYes
Open to non-residentsUnknownNo
Catches
  • needs income of at least EUR 600 a month
  • needs income of at least EUR 600 a month
Valid until31 Dec 202631 Jan 2027
Verified
SourceSourcefor Ibercaja (opens in a new tab)Sourcefor Unicaja (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile