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
FieldUnicajaUp to EUR 450 gross for a EUR 1,200+ payroll or pension, paid monthly, no lock-inSantanderUp to EUR 840 over 24 months for moving a payroll of EUR 800+ a month, no lock-in
GoalSalarySalary
ProductUnicaja Online AccountSantander Online Account with payroll
RewardCash€450Cash€840
Net value, first year€364.50Best€340.20
Value per monthn/an/a
CommitmentNoneNone
Rate (TAE)n/an/a
Rate period12 months24 months
Balance capn/an/a
Monthly fee€0€0
Minimum income€600/monthBest€800/month
New customers onlyYesYes
Other requirements
  • 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
  • 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
PenaltyNone statedNo 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
  • needs income of at least EUR 600 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 until31 Jan 202730 Oct 2026
Verified
SourceSourcefor Unicaja (opens in a new tab)Sourcefor Santander (opens in a new tab)
Open to you?Yes, with the default profileYes, with the default profile