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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
FieldKutxabankEUR 300 gross for a EUR 800+ net payroll, EUR 600 for EUR 2,500+, 36-month stayOpenbankEUR 300 gross for moving a EUR 900+ payroll, plus 1% fund cashback (max EUR 1,000), needs EUR 2,000 invested
GoalSalarySalary
ProductTrae tu nóminaCuenta Nómina Open (code NOMINA300F)
RewardCash€300Cash€300
Net value, first year€243.00€243.00
Value per month€6.75n/a
Commitment36 monthsUnknown
Rate (TAE)n/an/a
Rate periodn/an/a
Balance capn/an/a
Monthly fee€0€0
Minimum income€800/monthBest€900/month
New customers onlyNoNo
Other requirements
  • Domicile payroll or pension in a Kutxabank savings account for the first time before 2026-12-31
  • Minimum balance of EUR 250 in the account
  • Bizum linked to the account for the whole stay period
  • Under 31: stay period is 12 months instead of 36
  • A pension does not count as new if payroll was domiciled at Kutxabank before
  • Sign up with code NOMINA300F by 2026-12-31
  • Payroll, pension or unemployment benefit of EUR 900+ net in a single monthly payment, domiciled before 2027-02-01
  • Keep at least EUR 2,000 in Openbank investment products (funds, broker, crypto, plans)
  • Self-employed: RETA direct debit plus a single EUR 900+ monthly income
  • Excluded if payroll of EUR 900+ was at Openbank between 2026-04-05 and 2026-10-05
PenaltyA penalty applies for breaking the conditions; its amount is not stated on the pageFund cashback is lost and already-paid cashback is reclaimed if the funds that earned it are sold or transferred out before the bonus period ends (latest 2027-06-30). No clawback of the EUR 300 is stated.
Residents onlyUnknownYes
NIE or TIE acceptedUnknownUnknown
Open to non-residentsUnknownNo
Catches
  • penalty: A penalty applies for breaking the conditions; its amount is not stated on the page
  • needs income of at least EUR 800 a month
  • penalty: Fund cashback is lost and already-paid cashback is reclaimed if the funds that earned it are sold or transferred out before the bonus period ends (latest 2027-06-30). No clawback of the EUR 300 is stated.
  • needs income of at least EUR 900 a month
Valid until31 Dec 202631 Dec 2026
Verified
SourceSourcefor Kutxabank (opens in a new tab)Sourcefor Openbank (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile