Best payroll accounts
Comparison of Spanish payroll accounts with perks, interest, and associated services.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| BBVA Nómina Plus | 0% maintenance | No fees with direct-deposited salary. Access to pre-approved loans. Free debit card. |
| Santander Nómina Joven | 0% fees | Discounts on products. Life insurance included. Fee-free ATM withdrawals. |
| CaixaBank Cuenta Joven | €0 maintenance | 100% digital account with interest on the balance. Discounts on insurance and products. |
| Bankia Cuenta Nómina | Free | No age requirement. Perks for direct deposit. Access to crowdfunding and investment funds. |
Perks verified in July 2026. Some benefits require a minimum direct-deposited salary.
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Frequently asked questions
Do I need to switch banks to have a payroll account?
No, you can keep your current bank. The right to portability makes it easy to switch if you want to take advantage of better perks.
What perks does a payroll account offer?
Generally: 0 fees, insurance included, interest on the balance, access to preferential credit.
Do I lose the perks if I change jobs?
Depending on the bank, yes. Some keep the perks as long as a salary remains direct-deposited. Others require a minimum salary.
Can I have several payroll accounts?
Yes, technically you can. But only one receives the full perks. Watch out for fees on the secondary one.