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Side-by-side comparison of 2 offers
FieldINGEUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stayBanco SabadellEUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 months
GoalSalarySalary
ProductCuenta NÓMINA + Cuenta NARANJA (code ING400)Sabadell Online Account (payroll + Bizum)
RewardCash€400Cash€400
Net value, first year€324.00€324.00
Value per month€27.00€27.00
Commitment12 months12 months
Rate (TAE)n/an/a
Rate periodn/a12 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€700/monthBest€1,000/month
New customers onlyYesYes
Other requirements
  • Enter code ING400 when opening Cuenta NÓMINA and Cuenta NARANJA
  • First valid deposit received before 2026-12-31 and kept for 12 consecutive months
  • Activate Bizum before 2026-12-31 and keep it 12 months
  • Payroll money stays in the account until 9:00 the next day
  • Not combinable with other ING promotions
  • New payroll (SEPA salary code) of at least EUR 1,000 per payment within 2 months of opening
  • Bizum linked to the account without interruption until the last payment
  • Pensions and unemployment benefits do not count
  • Account opened online between 8 Oct and 12 Nov 2026
PenaltyIf payroll/income or Bizum stops early, ING charges the bonus pro rata for the missing days (EUR 400 / 365 x days short, max 12 months)No clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.
Residents onlyUnknownYes
NIE or TIE acceptedYesYes
Open to non-residentsUnknownNo
Catches
  • penalty: If payroll/income or Bizum stops early, ING charges the bonus pro rata for the missing days (EUR 400 / 365 x days short, max 12 months)
  • needs income of at least EUR 700 a month
  • penalty: No clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.
  • needs income of at least EUR 1000 a month
Valid until31 Oct 202612 Nov 2026
Verified
SourceSourcefor ING (opens in a new tab)Sourcefor Banco Sabadell (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile