It is common to find the condition at the time of open a bank account of having to deposit your salary, but it does not always fit the needs of everyone. Furthermore, many people believe that the solution to stop pay commissions to the bank is direct deposit of the payroll, but there is the possibility of contracting a bank account without the need for your income to be regular and having the payroll direct deposited every month through your online account without commissions without payroll.
Next, we explain which banks do not have commissions or required payroll and what they can ask you to open a account without commissions without payrolls.
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Types of online account without commissions without payroll
in this kind of online account without commissions and without payroll it is possible, even if you do not have regular income every month. You can open a free day-to-day account with everything you need, such as transferring money, registering receipts, paying by card or generating income without paying a single euro.
Can open account without payroll in different types of banks:
- Digital 100% benches → They are entities that operate through mobile phones online and without physical branches. They are a new type of innovative banking that is characterized by not having commissions, such as Fazil Neobank.
- Digital affiliates of traditional banks → They are banks that offer free digital products and services, but that belong to a larger banking group, such as Openbank, which is the online bank of the Santander group.
- Entities with online banking → They are traditional banks that also offer services online, with the advantage that they have physical offices for problems or doubts. This is the case of BBVA, Bankinter...
- hybrid banks → These have a network of offices and fewer ATMs since they are online banks, so it is necessary that many of the procedures be carried out through their apps or web pages. Like, for example, ENG.
Top online accounts no commissions and no payroll
Below you can compare the best banks without commissions and without payroll in which you can open your account:
Account without payroll ING
- Account without commissions and without paperwork
- 100% free even without payroll
- Free credit and debit cards
Fazil Neobank account
- Free online account and card
- 100% digital
- No commissions or hidden conditions
- Personal link to send or receive money
- Sustainable and committed to the environment
- Free mobile account and card
- Payments in currency at the best exchange rate
- Possibility of trading with bitcoins
- Withdraw money at ATMs around the world
Online account without commissions
- 100% online
- No commissions for new clients
- Free card for up to two holders
Online account without Liberbank
- Commission-free digital account
- Gift of €150 if the payroll is domiciled
- free debit card
- 16,000 free ATMs in Spain
Clara Abanca Account
- Commission-free online account
- Gift of €300 when taking your payroll
- free debit card
- Free digital 100% account
- Fee-free debit card
- Control your income and expenses through the app
- Samsung pay, Apple Pay and Bizum
Open Current Account
- Account without commissions or requirements
- Free debit card for the first holder
- Open Discounts
Am I interested in opening an account without commissions without payroll?
If you find yourself in any of the following situations, it surely suits you open a bank account
Open bank account online without payroll
Sometimes, It is difficult to find banks that do not charge maintenance fees without payroll. Once you have seen all the previous options, it is time for you to go to a bank without commissions without payroll following the steps below:
- Evaluate your options. You should compare the options that are most similar to your needs.
- Open the account. When you decide on a bank, you can sign up in most cases, through their apps or web pages. you can open account without payroll in just a few minutes. In most cases, they will ask for your ID, a photo to validate your identity or the IBAN code of another bank account that is in your name.
- Make a transfer to your new account. From your previous bank you must transfer your money to your new bank account, or at least a certain amount to be able to start using it.
We also recommend you read this other post about the prepaid card without bank account!