Promotions by direct payroll (julio/09)
| Date: July 19, 2009 | Source: Economic @ 21 |
| Category: ECONO-TIPS | |
Votes: 1 Rating: 5.00 / 5) 
Loading ... As on other occasions, we again review the list of major banks that offer payroll debit promotions, although in this case to date for the month of July, we observed that some promotions offer below those offered in previous months. It seems that the war in liabilities is given a respite this summer.
In any case, remember that before jumping into one of the offers should be evaluated well as the periods aspects of permanence that is normally required in the case of gifts, which may pose a problem later, for example, a mortgage another entity. The same, so, we must not be seduced by a particular gift, but to address the situation from a financial point of view and to translate into money. Only then can properly evaluate the offer.
In this new edition of the War of the key participants payroll offering debit gifts are (sorted alphabetically):
- ActivoBank : Actibva Payroll Account is an interest bearing offering a yield of 1.5% APR charged on a monthly basis. It also offers free cards, ATM access Servired also free of charge and does not charge commissions.
- a nuevos clientes que domicilien una nómina superior a 700 euros y dos recibos. BBK : the organization offers until 30 June a Phillips DVD recorder with DivX or portable media hard disk of 500 Gb Woxter new customers directly depositing a payroll in excess of 700 euros and two receipts. The offer also obliged to buy a card and sign a commitment to stay for 24 months.
- BBVA : its main offering is the 3% payroll through which the bank returns the 3% of your major bills (electricity, gas, telephone, mobile, television and internet) for 2 years to a maximum of 25 euros per month and 600 € in total loss.
- Bancaja:
- Banco Popular : Offers payroll and credit advance up to 5 months salary plus 10% discount on life insurance premium the first year.
- Guipuzcoano Bank : offers two nights in one of the NH hotel chain for household payroll and three receipts. Besides access to free accident insurance of 6,010 euros and free cards the first year.
- Bankinter : uses technology to attract customers and maintain a computer offering Toshiba NB100 and Huawei E220 modem and 3G Internet twelve months free to new customers who open a new roster and make a minimum investment of € 25,000 in any investment product .
- Banesto : again with Rafael Nadal and an aggressive marketing strategy for your offer Payroll Come gives between 500 and 1,000 euros in prepaid card who deposit their payroll and three major bills for a period of 40 months and have hired a card credit and debit another.
- Barclays : the Opportunity has returned 3% of major bills (electricity, gas, water, telephone, mobile, internet and residents' association) and has no maintenance fees. Obliged to buy a debit card.
- Caixa Catalunya : offer special financing entity as well as free payroll advance.
- Caixa Galicia : those who deposit their payroll can choose from three gifts (microportátil Asus, Wii or dual-screen portable DVD player) and a fee of 0.25% TAE.aunque conditions vary with each gift. For the Wii console is necessary to provide a minimum of 1,200 euros and comply with a length of stay of 30 months for Asus microportátil (only available online) the monthly amount up to 1,500 euros with a length of stay of 36 months, finally for portable DVD , the minimum monthly amount is 900 euros in the same condition of stay of 36 months.
- Caja Madrid : the organization rewards those who have the salary paid to the Deposit Payroll, discounts on insurance contracts and financing on special terms.
- Caja Murcia : by Multinómina offers a digital camera for those domiciled Samsung a payroll exceeding 800 euros and two major receipts for a minimum period of 12 months.
- La Caixa : the program multiEstrella Payroll allows Starpoints and get financial benefits to those who are domiciled payroll. Of course, must meet the following conditions: more than 25 years, a list docimiciliada older than six months, three bills and debit card that is made at least three purchases per quarter.
- Caja Rural de Toledo : two nights hotel offers through The Big One Payroll for those who deposit their payroll and make an expenditure of 120 euros with Flexia Card (reimburses the 3% of purchases). It also offers free accident insurance for 6,010 euros and payroll advances.
- CAM : payroll service includes a payroll deposit and credit interest-free payroll and accident insurance worth 6,000 euros, free card and the 0.1 point reduction in the type of mortgage light and young.
- iBanesto : Payroll Account you back Blue on 3% of major bills (electricity, gas, telephone, mobile phone and internet) and offers free credit cards, in addition to not charge fees.
- ING Direct : through its advertising campaign "I'm Nominated 'returns Payroll Account 2% of electric bills, gas, telephone, mobile phone and internet, and offer a VISA card for free and not charging commissions.
- Santander : The entity maintains its offer We want to be your bank , your offer is not charging any commission, life insurance and advances up to 6000 euros free of charge, as well as discounts on certain travel agents, car rental, insurance ...
- Uno-e : Paid Account of One-and offers 1.5% APR for entering your salary or minimum monthly income of 500 €, not management or maintenance fees, transfers and debit card free of charge.
It seems clear that gifts are almost always the best lure to attract customers, but there are other ways to get the most out of the list , starting with the elimination of commissions (more and more entities already included in the offer) or the possibility of hire special products. It's all learn to value each tender in economic terms.
