With the arrival of the new year, the tops of the best payroll accounts of the year are once again presented and, as has already been seen in previous years, once again it is led 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% interest, which occurs during the first year.
They cut for better competition
However, during the last few days, many payroll accounts they have begun to cut the interest that they gave to their clients for the amount of savings that the clients had in their accounts. Some of the accounts that have started to cut interest are the single account and the freedom account (both accounts of the Mediolanum bank) and La Caixa multi-account account.
In the account imaginebank You can see a setback as they have eliminated the gifts they gave to their customers, such as a fitness bracelet; however they keep 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 required for the account or even the permanence with the account, are important things to read in all accounts, since it has changed by almost 50% in all payroll accounts.
The best options
Within best options, plus Bankinter, El banco popular and Cajamar They are great options, offering great advantages for the payroll accounts that can be found in the market. In addition, the combination of the three can give a very high remuneration and an absence of commissions.
Domiciled salary, same offers
Although it changes every year, this year many entities have managed to maintain their offers for all clients who already had the domiciled salary.
News in recent 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 put into it by their clients and those that give gifts to their clients for depositing said savings.
The first of these accounts have begun to reduce the compensation they offer. The single account and the freedom account they have lowered the% to 1,75%, which is a significant drop if we compare it with the previous one, which was 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 gift payroll accounts, for example the imaginabank account has changed its offer and has eliminated gifts for its customers. However, it continues to offer one of them: 3 months of access to Netflix.
If you are thinking of choosing a payroll account for this 2017 but still do not know which one, we are going to 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 without a doubt, and as it has happened in previous years, is Bankinter. This payroll account has 0% in commissions, which makes it very attractive to users. It also has a 5% APR the first year, dropping to 2% the second.
In order to access this account, the minimum balance that you must pay is 5.000 euros and has access to a free credit card. Customers with this card have access to more than 8.000 ATMs around the world.
Count you and me. You and I accounts are ideal accounts for people who want to pay half their expenses. This account is free and unpaid. In addition, it offers both parties a card so that they can manage any type of movement without problem.
Popular Bank
La popular bank payroll account offers its customers a 24-inch Samsung HD TV.
Cajamar bank payroll account
At Cajamar bank payroll account there is 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 at 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 allowed.
It is a account without investment risk and with good liquidity.
Payroll account mediolanum
Thanks to this payroll account you can have zero commissions, in addition to access to free cards and access to various products of the entity just for being a customer.
People who decide to have this account have full access to the administration 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 offers 0% on everything. That is, 0 euros for opening the account, 0 euros for maintaining the account and 0 euros for closing it. In addition, people who have this payroll account, give up to 1% refund on all major household bills.
In addition, this payroll account It gives you the possibility of advancing your payroll with a Pre-granted pre-credit. This is subject to bank approval.
Self Bank
This type of self bank account They do not have any opening costs and will not give cancellation or permanence costs. In addition, a classic or gold credit card may be requested, however, 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.
In addition, 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 mediolanum single account
An account that offers you high interest, with a commission, as well as maintenance that can be free, depending on what the bank decides. Is named single account, because it is a 0 cost account with very flexible rules that are tailored to each customer.
In addition, it offers the possibility of opening a second account without commissions, in addition to 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.
In addition, it allows you to open a second account completely free and have unique cards. It also has Bizum, a service that allows you to make any type of payment through your mobile phone. In addition, being part of the mediolanum world, you have the benefits that all customers have access to.
Payroll account Cajamar Account 360
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 without any cost or maintenance.
Popular payroll account with bonus account
La bonus popular account, offers more profitability for your money with a 0.75% APR. In addition, the settlement of the account is made 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 a plan. These cards are not going to represent commission expenses or administration expenses; This system is called plan 0. This plan gives clients very important discounts and different leisure options tailored to each client.
Mediterranean BMN account
Although 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 gives several options, adapted to different types of clients.
Remember that although they seem simple banking products, you should watch some points in all payroll accounts to avoid extra surprises.
Among the points that you should take into account before choosing a payroll account or another are: the commissions that they offer you and choose 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.
Lastly, the linking must be considered. Many banks only ask that the payroll be linked for this account, however, some try to generate purchases of other products such as credit cards or even insurance of all kinds.