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
FieldSantanderUp to EUR 840 over 24 months for moving a payroll of EUR 800+ a month, no lock-inINGEUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stay
GoalSalarySalary
ProductSantander Online Account with payrollCuenta NÓMINA + Cuenta NARANJA (code ING400)
RewardCash€840Cash€400
Net value, first year€340.20Best€324.00
Value per monthn/a€27.00
CommitmentNoneBest12 months
Rate (TAE)n/an/a
Rate period24 monthsn/a
Balance capn/an/a
Monthly fee€0€0
Minimum income€800/month€700/monthBest
New customers onlyYesYes
Other requirements
  • 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
  • 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 tie-in stated. A month with the income condition missed pays no bonus for that month; missed bonuses are not paid retroactively.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 acceptedUnknownYes
Open to non-residentsNoUnknown
Catches
  • 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
  • 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 until30 Oct 202631 Oct 2026
Verified
SourceSourcefor Santander (opens in a new tab)Sourcefor ING (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile