With the arrival of the new year, the tops of the best payroll accounts of the year are presented again and, as has already been seen in previous years, it once again leads the ranking by Bankinter payroll account.
The best payroll accounts of 2017
This account offers, as every year, the best option with an offer at 0 commissions and with only 5% of interest, which occurs throughout the first year.
They cut for better competition
In spite of everything, during the last days, many payroll accounts They have begun to cut the interest that they gave to their clients on the amount of savings that the clients had in their accounts. Some of the accounts that have begun to cut interest are the single account and the freedom account (both accounts of the Banco mediolanum) and the La Caixa multi-account account.
To account imaginbank There is a setback since they have eliminated the gifts they gave to their customers, such as a fitness bracelet; In spite of everything, they maintain the subscription that you give to users of three months of Netflix for free.
Commissions and minimum wage
Within commissions and minimum wage that is needed for the account or even the permanence with the account, are important things to read in all the accounts, since it has changed almost a 50% in all the payroll accounts.
The best alternatives
Within better alternatives, at the same time of Bankinter, the popular bank and Cajamar They are great options, which offer great advantages for payroll accounts that can be found in the market. At the same time, the combination of the three can give a very high remuneration and an absence of commissions.
Domiciled salary, same offers
Even though it changes every year, this year many entities have managed to maintain their offers for all clients who already had the domiciled salary.
News of the last days
Although few changes have been made these days, the most notable have been in two types of account: those that give a % of interest in exchange for the savings that their clients put in it and those that give gifts to their clients for depositing said savings.
The first of these accounts has started to decrease the compensation they offer. The single account and the account of freedom They have dropped the % to 1.75%, which is a significant drop compared to the previous one, which was from 2.5%. On the other hand, the multi-account that can be found at la Caixa no longer pays its customers, so it is a product with 0% TIN.
The payroll gift accountsFor example, the imaginabank account has modified its offer and eliminated gifts for its customers. Despite everything, it continues to offer one of them: 3 months of access to Netflix.
If you are thinking of selecting a payroll account for this 2017 but still do not know which one, we will give you a list of the best payroll accounts in order, so you can choose the one that best suits your needs.
Payroll accounts
Bankinter
The best, undoubtedly, and as has happened in previous years, is Bankinter. This payroll account has 0% in commissions, which makes it very attractive to users. It also has an APR of 5% the first year, dropping to 2% the second.
To access this account, the minimum balance you must pay is 5,000 euros and you have access to a free credit card. Customers with this card have access to more than 8,000 ATMs worldwide.
Count you and me. You and I accounts are ideal accounts for people looking to pay half of their expenses. This account is free and does not pay. At the same time, it offers both parties a card so that they can manage any type of movement without problem.
popular Bank
The popular bank payroll account offers its customers a 24-inch Samsung HD TV.
Cajamar bank payroll account
At Cajamar bank payroll account you will find a fixed term deposit with which you will have full liquidity.
This type of account can be contracted from 6 to 24 months and can be made in interest payments in different terms, from monthly until the expiration of the account.
The minimum required for this account is 3,000 euros and the interest rate is fixed. In this type of account, an early or partial cancellation of the account is possible.
Is a account without investment risk and with good liquidity.
Payroll account mediolanum
Thanks to this payroll account you can have zero commissions, at the same time access to free cards and access to multiple products of the entity just for being a customer.
People who decide to have this account have full access to the management and maintenance of said account, in a completely personalized way. Deposit of checks in euros and issuance of bank checks.
Openbank payroll account
It is one of the accounts that 0% offers in everything. In other words, 0 euros for opening the account, 0 euros for maintaining the account and 0 euros for closing it. At the same time, the people who have this payroll account, give up to 1% money back on all major household bills.
At the same time, this payroll account It gives you the opportunity to take a step forward in your payroll with a pre-granted pre-credit. This is subject to bank approval.
Self Bank
East type of own bank account They do not have any opening costs and will not give cancellation or permanence costs. At the same time, you can request a classic or gold credit card, despite everything, the card must be approved by the entity.
Accounts with more than 9,500 ATMs where you can manage with your card and manage your money.
At the same time, in case you do not have a payroll or you cannot change, you only have to make a monthly income to this account as payroll and continue to benefit from all the benefits.
Payroll account single account mediolanum
An account that offers you high interest rates, with a commission, as well as maintenance that can be free, depending on what the bank decides. It is named single account, because it is a zero cost account with very flexible rules that adapt to each client.
At the same time, it offers the opportunity to open a second account without commissions, at the same time free cards.
Freedom mediolanum account
An account that will give you high commissions at a low cost. It is an account for people who want to feel free in their Account management.
At the same time, it allows you to open a second account absolutely free and have unique cards. Also has Bizum, a service that allows you to make any type of payment through your mobile device. At the same time, by being part of the mediolanum world, you have the benefits that all clients have access to.
Payroll account Cajamar 360 Account
An account with notable advantages, since it offers 3% TIN with balances of 3,000 to 12,000 euros. You also have a credit card at your disposal without any cost or maintenance.
Popular payroll account with bonus account
The popular bonus account, offers more returns for your money with an APR of 0.75%. At the same time, the account is settled upon expiration of the account. The term of this account is 13 months and an early cancellation can be made when the client requests it.
It also offers its customers all the cards we have. These cards will not represent commission or management costs; This system is called plan 0. This plan offers clients very significant discounts and different leisure options tailored to each client.
Mediterranean BMN account
Even though the BMN account It has a long list of requirements to be a client, it is true that the benefits are also very high.
The requirements are: have at least two direct debit receipts, and spend at least 900 euros on purchases or operations each quarter. You must also take out insurance with a cost of 150 euros per year and that the quarterly balance exceeds 10,000 euros per year.
As you can see, the list of best payroll accounts It is not very broad, but it offers several options, adapted to different types of clients.
Remember that even when they seem like simple banking products, you should keep an eye on some points in all payroll accounts to avoid extra surprises.
Among the points that you have to take into account before selecting a payroll account or another are: the commissions that they offer you and selecting those that usually offer 0 commission. The minimum salary what each of the payroll accounts. The permanence, which can be up to 48 months in exchange for gifts.
Finally, the link must be considered. Many banks only ask that the payroll be linked for this account, despite everything, some try to generate purchases of other products such as credit cards or even insurance of all kinds.
