New offensive to capture payrolls. Caixabank launches an offer in which it seeks to attract customers with a good financial profile, who enter a monthly salary starting at 2,500 euros. For clients, the entity will give them a choice between a remuneration of 5% or a 50-inch television. Although in the event that the client opts for the former, he should know that the profitability that he will be able to achieve will be limited both in time, for two years, and in quantity, the maximum import to be remunerated will be 5,000 euros.
For clients with salaries below 2,500 euros, the offer will be limited to a 32-inch television. The offer will not only be conditional on direct debiting the payroll, since in both cases, the client must also direct debit three receipts and make three movements with the card. Its digital subsidiary, Imagin, will also award cash to those who direct the payroll. In this case, the amount will be 50 euros, although if the income exceeds 1,000 euros, the amount will rise to 200 euros.
This campaign, which forms part of Caixabank’s new commercial strategy, will be in force during the first quarter of 2023 and seeks to increase the customer base, which will eventually end up contracting new products from the bank. Likewise, the bank wants to exceed 6 million customers this year.
Compete with Bank inter or with Abanca
Caixabank’s offer is not new. Bankinter has been attracting customers for several years through its Payroll Account, using precisely as a claim a remuneration of 5% the first year and 2% the second year, for balances of up to 5,000 euros, which guarantees a return of 240 euros. The entity headed by María Dolores Dancausa has reiterated on several occasions that its offer is the gateway to new clients, who end up linking up with the entity. Precisely, during the pandemic the payroll limit was lowered, from 1,000 euros per month to 800 euros.
The other claim that banks use is also the gift of cash. In this, Abanca leads the way, which awards up to 300 euros to those who direct payroll, of at least 1,200 euros, in the entity and will remain in the bank for 24 months. This policy is also followed by Cajamar, with 200 euros. The big banks also have offers in this regard, to capture payroll through their digital accounts, ranging from 175 euros from Banco Sabadell to 150 euros from Banco Santander or BBVA.
