ING: EUR 400 gross for new customers who bring a EUR 700+ payroll and Bizum, 12-month stay

Terms

Reward

EUR 400 gross (subject to IRPF withholding) paid into the Cuenta NARANJA. Requires code ING400 when opening Cuenta NÓMINA and Cuenta NARANJA. Paid: Within the month after at least three valid deposits (payroll, pension or unemployment benefit of EUR 700+, or a monthly transfer of EUR 700+ from another bank) have arrived in the Cuenta NÓMINA.

Requirements

• Income of €700/month or more
• New customers only
• 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

Fees

€0/month. Cuenta NÓMINA is free while payroll, pension, unemployment benefit or monthly income of at least EUR 700 arrives; otherwise EUR 3 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)

Eligibility

• Residents only: Unknown
• NIE or TIE accepted: Yes
• Open to non-residents: Unknown
• ING FAQ accepts a valid residence card for non-EU citizens. The product page says a payroll of any amount counts, but the legal terms (used here) require EUR 700 or more.

Valid until

31 Oct 2026

Checked

22 Oct 2026(today, confirmed by the bank)

Source

https://www.ing.es/sobre-ing/pdf/bases-legales-promo-ING400-2026-09.pdf(opens in a new tab)

Notes

Promotion period for opening the account: 2026-08-24 to 2026-10-31. Also shown at https://www.ing.es/cuenta-nomina-ing. Existing or former ING customers are excluded.