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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 monthsUnicajaUp to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-in
GoalSalarySalary
ProductSabadell Online Account (payroll + Bizum)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 period12 months12 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€1,000/month€600/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
  • 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
PenaltyNo clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.None stated
Residents onlyYesYes
NIE or TIE acceptedYesYes
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
  • needs income of at least EUR 600 a month
Valid until12 Nov 202631 Jan 2027
Verified
SourceSourcefor Banco Sabadell (opens in a new tab)Sourcefor Unicaja (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile