Banks love payslips, but not everyone has one. And those who do not receive a salary every month also need a checking account. This problem does not only affect the unemployed or students, many times workers also need to open a second checking account, but they already have their payroll tied up in another entity. Are they condemned to pay commissions? The reality is that no.
As much as banks seek to attract clients with a payroll, many keep their doors open for those without one. Most of the entities relax their conditions when it comes to attracting new clients and this happens by offering them accounts without commissions and without conditions.
These free accounts allow you to carry out all the basic day-to-day operations (deposits and payments, transfers, ATM withdrawals, direct debit of receipts, Bizums…). But these types of accounts have a drawback: they are usually only for new customers. Customers who are already in the entity cannot contract them, explain the experts of the financial product comparison HelpMyCash.com.
And which banks do not charge commissions to clients without payroll? As confirmed by HelpMyCash, Banco Santander, BBVA, CaixaBank, Banco Sabadell have accounts for new clients without commissions and without payroll. Also Abanca, Unicaja, EVO Bank, ING…
The Banco Santander Online Account for new customers is free, that is, it has no maintenance fees and includes a debit card with no issuance or renewal cost. Santander does not charge for transfers or for withdrawing money from the 30,000 ATMs that it has throughout the world. To contract it, it is not necessary to direct a payroll or receipts.
We went from Santander to BBVA, another of the large Spanish banks. Your Online Account without commissions, also for new customers, has no maintenance fees or for issuing transfers. The Aqua debit card that comes with the account is one of the most secure you can have, because it does not have printed numbers and its CVV changes. To have this account it is not necessary to direct deposit a salary.
In addition, now, new customers who sign up with the code RECIBOS35 and maintain an average balance of 400 euros can earn up to 210 euros net. As? BBVA returns each month for six months the amount of one of the electricity, gas, telephone and Internet bills that the customer has domiciled with a maximum of 35 euros per month.
Another product with attractive advantages is the EVO Banco Smart Account, which has a return of 2.5% APR the first year for a balance of up to 30,000 euros. You can get up to 750 euros in interest. This account has no fees or conditions, allows free immediate transfers (a rare benefit), and comes with a free debit and credit card.
Another online bank that stands out is ING, whose Cuenta NoCuenta has no commissions or ties. In addition, new clients who contract it can now open, if they wish, a welcome deposit at 2.5% APR for three months. The account includes a virtual debit card that can be used with Apple Pay and Google Pay.
The Abanca Clara Account does not have commissions or conditions and is only for new clients. Includes a free debit card year after year and a credit card that has no commissions the first year. Those under 35 years of age will receive a special debit card, the NX, which has no commission for currency exchange and which allows free money to be withdrawn five times a month at any ATM abroad.
