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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
FieldBanco SabadellEUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 monthsINGEUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stay
GoalSalarySalary
ProductSabadell Online Account (payroll + Bizum)Cuenta NÓMINA + Cuenta NARANJA (code ING400)
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 period12 monthsn/a
Balance capn/an/a
Monthly fee€0€0
Minimum income€1,000/month€700/monthBest
New customers onlyYesYes
Other requirements
  • 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
  • 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
PenaltyNo clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.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)
Residents onlyYesUnknown
NIE or TIE acceptedYesYes
Open to non-residentsNoUnknown
Catches
  • 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
  • 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
Valid until12 Nov 202631 Oct 2026
Verified
SourceSourcefor Banco Sabadell (opens in a new tab)Sourcefor ING (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile