Choose a commission-free account The first step to avoid maintenance fees is to select a bank account that does not apply them. According to the experts of the financial comparator HelpMyCash, in the current Spanish market there are accounts that offer attractive benefits and do not require payroll direct debit, which provides the opportunity to save considerably. Sabadell online account: offers a return of 2.5% APR for one year for the first 30,000 euros. Without commissions or conditions, it is only offered to new clients. A free debit card is provided, transfers are free and you can use Bizum. If the pension or payroll is domiciled, you can receive a gift of 200 euros.
Sabadell Bank Account No ING Account: Without commissions or the need to link the payroll or receipts, a debit card is delivered upon opening. Of course, your debit card is virtual, so it has to be associated Russia Mobile Number List with Google Pay or Apple Pay; and you can only withdraw free money at ATMs in the ING network. “If you open the ING NoCuenta Account before July 3, you can also take out a 3-month deposit at 2.50% APR to grow your savings,” HelpMyCash reports. account without account account without account ESP Santander Online Account: Only for new customers, it is free whether or not they have direct debit income, and without the need to associate the payment of bills. It is offered with a debit card and free transfers can be made.
If the payroll is direct debit, you receive a gift of 150 euros , and if it exceeds 2,500 euros, the prize amounts to 350 euros gross; but under the commitment of two years of permanence. Santander Online Account Santander Online Account Santander Bank EVO smart account: It is not necessary to pay commissions or pay direct debit to open this account, which is managed in 10 minutes online. With the Smart Card you can buy with debit or credit, as well as withdraw money for free abroad (although the EVO exchange rate is not very favorable), make cost-free transfers and save 2% at Galp gas stations. “If the account is opened before July 31, it will be possible to take advantage of the profitability of 2.5% APR for a balance of up to 30,000 euros,” HelpMyCash details.