The bank has recovered the return of a percentage of the receipts as a claim to attract customers. This was a common practice in the past, for example in Banco Santander’s 1 2 3 Account, while now banks focus on attracting customers through attractive offers, such as offering cash for direct deposit of payroll or providing additional remuneration for keeping deposits.
Currently, at least three banking entities offer direct debit return promotions, while other entities choose to sign agreements with other companies to be able to offer their clients offers that attract the attention of the consumer, such as Spotify accounts, Play Station, Netflix, etc.
Unicaja is one of them. Through its Online Account, SIN returns 1% of the water, electricity and telecommunications bills (up to a maximum of 100 euros per year) to those who pay a minimum salary of 1,200 euros in the entity. Likewise, this entity has implemented the PlayStation Account, an option that allows customers to obtain a 0.5% refund on purchases made with the PSN credit card. This rebate can be used specifically to purchase products related to the PlayStation platform.
Openbank, however, offers 0.5% of electricity, gas and telecommunications bills without applying any type of limit to those who open the Open Payroll Account and direct deposit a minimum salary of 900 euros per month. Banco Santander’s digital bank complements its offer with an additional remuneration of 5.12% the first year for these new customers who meet the conditions and for a maximum remunerable balance of 5,000 euros.
On the other hand, BBVA has just launched a new promotion with its Fee-Free Online Account. The bank chaired by Carlos Torres offers a refund of 35 euros per month for six months for direct debiting the receipts, which means that a total of up to 210 euros can be obtained. To access this promotion, you only need to pay a direct debit for electricity, gas, telephone or internet and maintain an average daily balance of 400 euros.
To these offers are added the promotions of Banco Sabadell, ING and Imagin. The first has just improved its ‘Online’ Account and allows the return of 3% of purchases made with the debit card made until September 30. In addition, customers will be able to benefit from a return of 2.50% for one year and an additional 200 euros if they direct deposit the payroll.
For their part, both ING and Imagin offer their customers access to discounts in a wide variety of shops and leisure activities. These promotions can cover various sectors and have additional economic advantages when making purchases.
These are options to consider if you are looking for a bank account that allows you to benefit from the return of your direct debit bills, giving you additional savings on your monthly expenses. Although experts recommend reviewing the specific details and requirements of each entity to make the most of these promotions.
