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Only for the accounts
Open your account with us
PAYROLL ACCOUNT
The first salary account that gives you another two accounts for free and up to €340.
- Up to €340 the first two years. Up to 5% AER1 the first year and up to 2% AER the second year.
- +2 FREE accounts for whatever you want.2
- The maximum interest-bearing balance is €5,000. Up to 40,000 accounts.
2 additional accounts for anything you need and with whoever you want
To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.
Whatever your circumstances, we have an account for you.
Payroll account
More with your salary
- Up to 5% AER1
- With zero fees
- Credit card
- +2 FREE accounts
Pension Account
If you're a pensioner, it's time to enjoy yourself
- Up to 5% AER1
- With zero fees
- Credit card
- +2 FREE accounts
Business account
You can also ask for one if you are self-employed.
- Up to 5% AER1
- With zero fees
- Credit card
- +2 FREE accounts
Non-Salary Account
If you don't have a regular income
- Up to 5% AER3
- With zero fees
- Credit card
- +2 FREE accounts
Youth Salary account
If you have a salary and are under 31 years old
- With zero fees
- Combo card
- No need to set up any direct debits
- +2 FREE accounts
Current accounts
With all the services of a bank
- No conditions
- Free national and intra-EU online transfers in euros.
- Multi-channel queries and transactions
Currency Account
If you make and receive payments in a foreign currency
- No conversion fees
- No conditions
Basic Account
An account for special situations
- All the most common transactions
- Payment transactions within the European Union
Tú y Yo Account
For those who share expenses
- No fees
- Credit card
- Free national and intra-EU online transfers in euros.
Mini Account
For ages 0 to 17
- No fees
- 5% Plan
- Financial education services
Youth Account
For ages 18 to 24
- No fees
- Debit card
- Discount Programme
Discover and compare all our accounts
Thinking of you
Services that make your life easier.
Financial data aggregation service
All your banks now on the Bankinter website.
Find out more about financial data agreggation service
Make a change for the better: bring your salary to Bankinter
Switch Service
Want to bring everything to Bankinter? Do it the easy way, do it online.
Switch Service, the easiest and most convenient way to bring all your finances to Bankinter: accounts, direct debits, pension plans... All from the comfort of your home.
And if you have already added your accounts or funds at other banks to our website, it will be even easier to manage them.
Bizum: Instant payment service
Bizum: an easy and safe way to send and receive money through your mobile
Find out more about Bizum about bizum
ATMs
You'll have access to a vast network of ATMs. More than 17,000 across the length and breadth of Spain4.Transfers
Send funds to anyone you want to a HalCash ATM and they can withdraw the cash without a card.PSD2
The new directive on secure online transactions with accounts.Important information
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Show/Hide legal text1 Offer valid until 30.06.2022 for new and existing individual customers resident in Spain. To apply for a Salary/Pension/Business/Youth Salary account, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month (€500 for the Youth Salary account) and those payments must not be currently paid into another Bankinter account. Customers must not have been holders of a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening the account and may not have received any remuneration for any of these accounts. To open a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time in the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fees and no account maintenance fees. Maximum interest-bearing amount: €5,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance in the Salary Account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. To earn and retain all the benefits of our Salary/Business/Pension/Youth Salary account, you must maintain your declared level of income and pay at least three direct debits out of the account per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, activation of the linked credit card is not required. For the Youth Salary account there are no direct debit requirements. For the Non-Salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.
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Show/Hide legal text2
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 30/06/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text3 Non-Salary 5%: Promotion valid until 30.06.2022 or for the first 5,000 new accounts. Open to new and existing individual customers resident in Spain who have not held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time during the 12 months before opening this account. Customers may hold only one interest-bearing account and a maximum of two discount-bearing current accounts. For these purposes, a discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €5,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €5,000 held in a Non-Salary account, calculated for an interest payment period of 180 days (gross return): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. AER calculated on the basis that the Non-Salary account does not have any maintenance or administration fees and that the balance is held there for a full year. To unlock the perks of our Non-Salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.
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Show/Hide legal text4 Financing offered by Bankinter Consumer Finance EFC, S.A., registered with Banco de España under no. 8832, registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid), entered in the Madrid Companies Register, Volume 22,729, Folio 181, Sheet No. M-259543, Tax ID Number A82650672.
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Show/Hide legal text5 Promotion valid for the first Pago Cómodo made before 31.05.2022. Minimum amount: €90 Minimum instalment €30. Repayment term between 4 and 37 months. You can split the payment all your current account transactions of the past three months, except for your credit card bill if it's the deferred payment type (“ revolving”), bills from other finance companies (except El Corte Inglés) and instalments for Bankinter mortgages and loans. Service subject to approval if your financial situation has changed on the day you apply for it.
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Show/Hide legal text6 Example for a Paga Cómodo payment of €1,500, made on the 1st of the month, with a repayment period of 37 months, 0% NIR and 0% APR, first instalment of €0 plus 35 instalments of €41.66 and a final instalment of €41.90. Total repayment amount €1,500. Interest: 0€. Total cost: 0€. French repayment system.
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Show/Hide legal text7 ATMs: Bankinter will not charge you any fees when you withdraw cash with your debit card, no matter the amount, provided you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.