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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
FieldINGEUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stayUnicajaUp to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-in
GoalSalarySalary
ProductCuenta NÓMINA + Cuenta NARANJA (code ING400)Unicaja Online Account
RewardCash€400Cash€450
Net value, first year€324.00€364.50Best
Value per month€27.00n/a
Commitment12 monthsNoneBest
Rate (TAE)n/an/a
Rate periodn/a12 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€700/month€600/monthBest
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
  • 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
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)None stated
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
  • needs income of at least EUR 600 a month
Valid until31 Oct 202631 Jan 2027
Verified
SourceSourcefor ING (opens in a new tab)Sourcefor Unicaja (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile