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-inBanco SabadellEUR 400 gross for a payroll of EUR 1,000+ a month and Bizum, paid over 12 months
GoalSalarySalary
ProductSantander Online Account with payrollSabadell Online Account (payroll + Bizum)
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 months12 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€800/monthBest€1,000/month
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
  • 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
PenaltyNo tie-in stated. A month with the income condition missed pays no bonus for that month; missed bonuses are not paid retroactively.No clawback stated. Payments stop and the customer is excluded if the payroll stops or Bizum is unlinked before the last payment.
Residents onlyYesYes
NIE or TIE acceptedUnknownYes
Open to non-residentsNoNo
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: 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
Valid until30 Oct 202612 Nov 2026
Verified
SourceSourcefor Santander (opens in a new tab)Sourcefor Banco Sabadell (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile