In 2025, payroll accounts continue to be one of the most sought-after banking products by users due to the multiple benefits they offer. From bonuses on receipts to the elimination of commissions, choosing a suitable payroll account can help you save and maximize your income. In this article, we analyze the best payroll accounts currently available, their advantages and how you can get the most out of them. You know about theglobespot . You know about best payroll accounts.
What is a Payroll Account?
A payroll account is a banking product designed specifically to manage employees’ regular income, such as salary or pensions. These accounts are usually associated with exclusive benefits, which make them more attractive than traditional current accounts. You know about best payroll accounts.
Among the most common advantages are:
- Elimination of fees: Many payroll accounts do not charge maintenance or management fees.
- Bonuses: Some entities offer refunds on direct debits or cash for opening an account.
- Gifts and promotions: From technological gadgets to discounts on services, many banks reward customers who deposit their payroll.
- Access to financial products: Facilities for loans, mortgages and credit cards.
Best Payroll Accounts in 2025
1. Bankinter Payroll Account
Bankinter continues to lead the market with its attractive offer of 5% APR for the first year (up to a balance of 5,000 euros). In addition, it does not charge commissions and offers free transfers within the SEPA zone.
Advantages:
- High profitability in the first years.
- Free credit card.
- Compatible with various payment platforms.
2. ING Payroll Account
ING maintains its position as one of the preferred options for its “Zero Commissions” policy. Clients can enjoy services such as Bizum, immediate transfers and a debit card at no cost.
Advantages:
- No maintenance or card fees.
- Free withdrawals from a wide network of ATMs.
- Access to discounts in stores and gas stations.
3. Openbank Payroll Account
Openbank’s payroll account stands out for its flexibility and for allowing customers to choose from multiple benefits, such as cash back on bills or exclusive discounts.
Advantages:
- 1% cashback on direct debits.
- Free cards with no additional conditions.
- Intuitive and efficient mobile application.
4. Santander Payroll Account
Banco Santander offers its payroll account with interesting promotions, such as technological gifts or bonuses for direct depositing your payroll.
Advantages:
- Discounts on insurance and financial products.
- Access to mortgages with favorable conditions.
- Promotional gifts upon account opening.
5. BBVA Payroll Account
BBVA stands out for its digital customer program and for facilitating the opening of payroll accounts completely online.
Advantages:
- No maintenance fees.
- Aqua card without printed numbers for greater security.
- Mobile application with financial management tools.
How to Choose the Best Payroll Account?
To select the payroll account that best suits your needs, consider the following factors:
- Minimum salary amount: Some banks require a minimum monthly income.
- Additional benefits: Evaluate promotions, gifts or bonuses.
- Access to digital services: Check if the entity offers intuitive applications and platforms.
- Commission Policy: Make sure there are no hidden charges.
- Financial facilities: If you plan to apply for loans or mortgages, choose an entity with advantages in this regard.
Conclusion
Salary accounts are essential tools for managing your personal finances efficiently. In 2025, banks such as Bankinter, ING, Openbank, Santander and BBVA will lead the market with proposals that combine profitability, convenience and exclusive benefits. Before deciding, analyse your financial needs and compare the available offers. Choosing the right salary account will not only improve your banking experience, but will also allow you to save and take advantage of unique promotions.
