Customer acquisition in the banking sector is increasingly competitive. Although with the rise in interest rates, Spanish banks did not want to remunerate savings, they did begin to offer ‘gifts’ for joining their entity. However, despite the lowering of interest rates by the European Central Bank (ECB), Banks continue with promotions to attract customers from competitors.
In fact, in 2025 three new entities have joined the ‘fashion’ of giving gifts for changing banks: Caixabank, ING and Openbank. Added to these are those that were already carrying out this practice in 2024: BBVA, Santander, Sabadell, Deutsche Bank, Unicaja, Abanca, Kutxabank, Imagin and Cajamar. In total, there are already 12 entities.
The gifts are mostly cash, since almost all entities still resist remunerating savings. This marketing strategy contrasts with that of neobanks and foreign banks, which rely on accounts without commissions or conditions, in addition to offering a certain profitability on balances.
The 12 offers from banks this 2025: gifts and money
These are the 12 banking entities who currently have different promotions to attract customers.
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BBVA: It has two promotions. On the one hand, it gives away 720 gross euros (up to 60 gross euros per month) for direct debiting at least one electricity, gas, Internet or mobile bill. On the other hand, it offers 400 euros gross for payrolls exceeding 800 euros and with a permanence period of one year.
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Santander: Renting an iPhone 16 for 0 euros per month. The payroll must be at least 1,200 euros, or 2,500 euros for the iPhone 16 Pro. In addition, it is required to direct deposit two receipts, activate Bizum and make one purchase per month with a credit card or maintain a balance of 1,000 euros in the account .
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Sabadell Bank: Offers a gift of 300 gross euros for direct debiting payrolls exceeding 1,000 euros. They ask to activate Bizum and complete a one-year stay.
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Deutsche Bank: Up to 360 euros gross (30 euros per month) for payrolls greater than 2,000 euros.
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Abanca: Offers up to 370 euros gross for payrolls over 1,200 euros (for payrolls between 800 and 1,200 euros, the gift is 185 euros gross). It is necessary to complete a permanence period of two years.
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Unicaja: Up to 400 euros net for direct debiting payrolls exceeding 2,000 euros (150 euros for payrolls between 800 and 1,499 euros). The permanence period is two years.
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Kutxabank: A bonus of 600 euros to spend at Kutxabankstore for payrolls greater than 2,500 euros (300 euros if less). The client must maintain a balance of 250 euros in the account, with a retention period of three years.
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Imagine: Up to 250 euros gross for payrolls greater than 1,500 euros (150 euros between 900 and 1,499 euros). The permanence period is four years.
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Caixabank: Up to 250 euros gross or a Samsung television for payrolls of 2,500 euros (for payrolls of up to 2,500 euros, the gift is 250 euros, and a Facilitea coupon of 400 euros for payrolls greater than 2,500 euros). It is required to direct deposit three receipts per quarter and use the card at least once every three months. The permanence period is four years.
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ING: It offers 200 euros for direct debiting a payroll of more than 700 euros. The permanence period is six months.
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Cajamar: Up to 500 euros gross. For payrolls between 1,200 and 2,499 euros, the gift is 200 euros gross; between 2,500 and 3,999 euros, it rises to 300 euros gross, and if it is equal to or greater than 4,000 euros, 500 euros gross. The permanence period is three years.
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Openbank: Offers 50 euros as a gift. It does not require direct deposit of payroll, but it does require at least two new monthly or bimonthly bills for electricity, gas, Internet or telephone. The permanence period is one year.
Less and less loyal customers
Most paid accounts allow the client to change entities at any timewhile cash incentives seek to bind it for a certain time, they explain from Helpmycashthe banking product comparison platform that created the list.
“The emergence of new entities has shown traditional banking that customers are less and less loyal to their long-standing entity,” they say. “In addition, customers are increasingly willing to switch if the offer is attractive. Proof of this is that there are 10.2 billion euros in foreign banks, according to data from the European Central Bank (ECB), in search of profitability that they have not found in Spanish banks.”
The increase in the number of offers is combined with the ease of making the change. Nowadays, banks have portability services, that is, they are responsible for changing the direct debit of any receipt or payment that their new client has.
Are these offers worth taking advantage of?
According to the platform, yes: “It’s time to shake off laziness and try to get the most out of our money, without fear of changing entities”, experts insist.
However, before doing so, the financial comparator recommends Compare and analyze offers and take into account the fine printthat is, understanding the conditions, such as the retention periods or the associated commissions.