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
FieldBanco SabadellEUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 monthsSantanderUp to EUR 840 over 24 months for moving a payroll of EUR 800+ a month, no lock-in
GoalSalarySalary
ProductSabadell Online Account (payroll + Bizum)Santander Online Account with payroll
RewardCash€400Cash€840
Net value, first year€324.00€340.20Best
Value per month€27.00n/a
Commitment12 monthsNoneBest
Rate (TAE)n/an/a
Rate period12 months24 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€1,000/month€800/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
  • Salary, pension of EUR 800+ or self-employed contributions paid into the account
  • Income must not already be paid into Santander
  • 3 Bizum payments a month (or 1 credit card transaction) for the Bizum bonus
  • 2 direct debits a month for the direct-debit bonus
  • Sign up before 30 October 2026
PenaltyNo clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.No tie-in stated. A month with the income condition missed pays no bonus for that month; missed bonuses are not paid retroactively.
Residents onlyYesYes
NIE or TIE acceptedYesUnknown
Open to non-residentsNoNo
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
  • paid over 24 months
  • penalty: No tie-in stated. A month with the income condition missed pays no bonus for that month; missed bonuses are not paid retroactively.
  • needs income of at least EUR 800 a month
Valid until12 Nov 202630 Oct 2026
Verified
SourceSourcefor Banco Sabadell (opens in a new tab)Sourcefor Santander (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile