When we talk about the payroll accountsWe are talking about the current accounts in which we must direct our payroll to receive the benefits that this type of account gives us. These types of accounts ask you to have your domiciled account with them or that you have periodic income in case you are self-employed or have a pension.
Advantages of payroll accounts
One of the main advantages that payroll accounts give us is undoubtedly that no commissions have to be paid for any of the services (although this is not in all accounts) and they also give you the option of receiving gifts for being with those entities in your payroll account.
Also, they give you the option of receive a small percentage for your direct debit bills with them or the option of having a points program in which you can receive prizes for your purchases or generate a large amount of interest for the money you have with them.
Ask for prizes in return
At the time of entering a payroll at least once a month, it is something that for many people is not so easy, so the entities should give you prizes for that. As far as possible you should inform yourself very well and know what are the options that they give you. To do this, you will have to take your time and know which are the best valued by customers, trying to find the better options and benefits for you.
In this type of payroll, each euro that we stop paying at that moment is a euro that we can put in the next payroll, so they become a great source of savings in the long run.
What are the best payroll accounts in the world
Payroll account open. This Openbank account It is one of the best since it has a savings rate of 92%. Here, the minimum income is 0.00%. Among the main advantages you can enjoy an account without any type of commission and the bank offers you completely free cards. In addition, through this bank you have the possibility of having the return of 1% of the direct debits that you pay.
ING direct. In ING direct payroll account savings is 84% and the minimum income to be able to have this account is 0.00. The advantages that this type of account gives you are a 3% refund on purchases at GALP and SHELL stations. Furthermore, this type of payroll does not give any type of commission so you can enjoy the benefits offered by the entity without problem. You will save a great deal of money in the long run.
Here. In the EVO payroll account you can enjoy a lot of free banking services, which makes many people decide to have these types of accounts. The minimum income in this type of account is 0.00 and you can have money on debit without this involving any expense for the person and be free of commissions in all the procedures that are carried out.
ONE IS. In Unoe payroll account we found a saving of 65% with a minimum income in the account of 0.00. This is one of the most beneficial accounts but not as popular as the others. Here you can enjoy a linked account without any expense and a 0.25 APR in case the payroll is higher than 600 euros.
The Caixa. At la Caixa it counts multi-star payroll We have a saving rate of 57%, however, in this case the minimum income is 600 euros. In these types of accounts, you do not have any type of commission and you will not have to pay anything extra for the services. You have a classic visa card for the holders and for the beneficiary of the account.
Selfbank. In the payroll account of SElfbank accounts with a minimum income of 1.00 euros and you have a saving of up to 95%. Here, you have the credit cards completely free and you can choose between the card you want, from the gold visa to the great American Express.
Sabadell With Sabadell accounts you have a saving of 0.00%. On this card you have a 0.00 minimum income system and you can enjoy a refund of up to 3% on water, electricity and gas bills. In addition, you have a completely free credit card service.
Bankinter. In Bankinter payroll accounts, the savings are not so great, since you have a minimum income rate of 5.000 euros and the savings are only 86%. You have a refund on purchases from various businesses and you can also enjoy the account with completely free online transfers, as well as various associated insurance from insurance related to credit accounts to travel insurance.
Deutsche bank. In this type of account you nominate accounts with the savings benefit of up to 82% but with a minimum income rate of 600 euros. Among the benefits offered by this type of payroll account, you have direct debit of the main receipts and also, it is an account that is completely free of commissions and does not have any type of opening costs.
Payroll account el estiron. In this type of account the Popular bank you will find a saving of 78% and the minimum income of 0.00. Among the benefits that the entity offers you in the payroll account product is the issuance fee of 0.00 as well as the maintenance of the account. You also have an amount of 2% on the household bills that will be returned to you at the end of the decade of the month.
bankoa. Bankoa is an entity not so well known but with great benefits for people who have a payroll of more than 3.000 euros that they want to domicile. Through this payroll account, you have a paid account and you will also receive a welcome gift.
Payroll DB. Payroll DB is also located in the Deutschebbank and you can enjoy a savings rate of up to 75%. In addition, you have a minimum income type of 1.00 euro and you have the option to choose if you want free credit or debit cards. You also have the direct debit of the receipts automatically and the entity will charge you nothing for them.
Payroll plus account and Bankinter. In this type of payroll, you have the possibility of saving up to 75% as long as you can domicile a minimum income of 1.000 euros. Among the benefits that this type of account gives you is having a Payroll account without any maintenance or commissions. In addition, you can carry out any type of transaction through your online account without incurring a cost. You can have associated cards at no cost as well.
La Caixa has a payroll. In la Caixa payroll account, you have a type of account in which you must have an amount of 600 euros in terms of minimum income. Here you have a free account maintenance and administration fees of the account at any time you want. You can also enjoy up to two credit cards at no cost to you.
Premium Payroll Engineers Box. Don't be scared by the name, since this type of payroll has a minimum income rate of 1.00 euro and gives you 70% savings. In addition, it has a classic visa card It will be free as long as you keep the account open and you have the possibility of making any type of transfer without being charged any type of commission.
Bankialink payroll account. With bankialink you will find a saving of 67% with a minimum income of 0.00. The benefits that this type of account gives you is the advantage of being commission-free and with a maintenance of 0.00% and 2 credit cards.
Caixa Guissona. In Guisona payroll account you can enjoy savings of up to 66% by investing the minimum income of 1.00 euro. Here you will find visa cards and electron visa without being charged anything. In addition, you have a profitability of up to 0.105 APR.
Plan connects payroll account. In this account, you can enjoy savings of up to 65% with a minimum income of 600 euros.
This type of account gives us benefits that we will not be able to find in any other entity, since it has 20 euros of benefits just for the fact that direct payroll And you also have an account that does not require commissions and does not require permanence. The cards you have with this type of gutter are completely free.
Santander payroll account. With the Santander payroll account you can get up to 63% savings with a minimum income of up to 600 euros. Here you have completely free debit and credit cards and you have a completely free direct debit of payroll and receipts.
Active bank. With activobakn we return to the minimum income of 0.00 and they give us a total saving of 63%. In this type of account you do not present any type of commissions and you also have an account in which you will not have to pay maintenance. You have free cards and you have an account that will not charge you the annual fee either.
bankruptcy. In Bancorreos you find a type of account that gives you benefits of 0.00%. Here, you have the possibility of having a payroll account with them with all the free services and it also offers a small assistance pack.
Direct office payroll account. Here you have the possibility of saving up to 63%. The minimum income of this entity is 0.00 and you have a payroll account with a monthly payment of 2% of the annual amount you have on your home receipts. You also have a visa card that does not require any type of annual fee.
Novanca payroll account. In Novanca, you have a type of payroll with a minimum income of 600 euros and also, with a credit card that gives you life insurance in which you can count on up to 120.000 euros. This type of account does not have any commission and the saving is 59%.
Abanca. Abanca is an entity little known by people looking for a payroll account because the advantages it offers are minimal. In addition, to be able to open a payroll account in Abanca you must have a minimum income of 600 euros. Among the main advantages is the option of not paying expenses for opening or maintaining the accounts and you will be able to associate your business cards without any problem.
Payroll account 123. With the payroll account 123 we find a saving of 58% in an account in which we have a minimum income of 0.00. This type of payroll does not have commissions or any type of maintenance and gives you the return of direct debit receipts at all times. In addition, you have the benefit that it does not have any type of cost either in the account or in the payment of direct debits, it has the option of returning said receipts and also has no annual cost
BBK net payroll account. In the BBK net payroll account you have the option to save up to 55% with a minimum income of 0.00. Here you find a bonus of 1005 for the maintenance fee.
Targobakan. With Targo Bakn you have a payroll account with 50% savings and also, with a 0.00% In addition, you get a bonus in regard to receipts and accounts with the option of having up to 4 months without commissions in each of the transfers you carry out.
Live box. With the live cash payroll account you get 50% of the total savings you want to obtain with a minimum income of 0.00. Here you have the option to change over time to a pension account. This type of account does not have commissions or any type of maintenance.