Account for self-employed workers

The incentives received under this promotion are subject to personal income tax as investment income. 

Depending on the option chosen, the taxation will be different:

Facilitea voucher (redeemable for products from the Facilitea online store):

• Taxed as income in kind.
• The amount declared will be the value of the voucher plus the withholding made.
• The delivery of the voucher is considered a payment in kind and is subject to withholding as per the applicable tax laws.
• The voucher is personal and non-transferable and valid until 30/06/2026.
• The item to be redeemed must have a value equal to or greater than the voucher amount and cannot be exchanged for cash.

Account deposit (cash):

• Taxed as monetary income.
• The gross amount of the incentive is €185.19 if you choose €150 net.
• A 19% personal income tax withholding is applied.
• You must declare the gross amount in your income tax return, and you can also deduct the withholding.

Promotion valid until 30/06/2026 or while supplies last. Cannot be combined with other direct deposit promotions made after 01/01/2023.

The fee is €0 per month if you meet these conditions:

• You direct deposit at least €600 a month or a pension of at least €300 a month in Día a Día.
• Or you have recurring income of €750 a month or €9,000 a year.

In addition, in the previous quarter:

• You made at least 3 payments with CaixaBank Payments & Consumer cards (business cards and cards co-issued with third parties do not count)
• Or you direct debited 3 or more bills, or
• You direct debited your monthly self-employed social security or professional taxes.

If you don't meet any of these requirements, the fee is €60 a quarter. A fee is charged for each set of accounts with the same combination of holders. The account does not pay interest.

The APR may vary depending on whether you meet the discount requirements and based on your average balance as a result of the application of fees for a fixed amount.

• Discounted account: 0% AER, 0% NIR (calculated for an average balance of €5,000 for one year).
• Non-discounted account: -4.71% AER, 0% NIR (with a €60 quarterly fee and an average balance of €5,000 for one year).

All account holders must be individuals. If you meet the requirements, the reduction also applies to accounts in which you are the account holder, and joint account holders will be able to see this information.

Not applicable to the HolaBank Living Solutions accounts, CaixaBank Online Account, Basic Payment Account, currency accounts or accounts with special agreements.

If you make a transaction in a branch that you can do at an ATM, CaixaBankNow or another self-service channel, you may be charged €2 per transaction. This fee does not apply to people over the age of 65, people under the age of 18, people who require help accessing the service, or when the ATMs are temporarily out of service.

For more information, visit www.CaixaBank.es.

The credit cards are issued by CaixaBank Payments & Consumer, E.F.C. E.P., S.A.U. (CPC), with registered office at Avenida de Manoteras, 20, Edificio París, 28050 Madrid. CaixaBank, S.A., acts as the agent of the card issuing entity.

Card issuance subject to prior approval by CPC.

The system chosen to protect the funds of users is to deposit them in a separate account opened with CaixaBank, S.A.

You can see the usual prices for the most frequent banking services (Annex 1) at www.caixabank.es/tarifas.