Smart Digital Account

Useful information

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  ¹ The Digital Smart Account is a free current account with two pockets: the first pocket up to €5,000 for your day-to-day needs (0% NIR) and a second pocket for your savings, earning interest on up to €50,000 (2.47% NIR). If you direct deposit your payroll and activate Bizum, the second pocket will earn interest on up to €50,000 (2.96% NIR).

  In case of income, the balance of the first pocket that exceeds €5,000 will automatically be transferred to the second pocket.

  In the event of a charge, the required amount will be deducted from the first pocket. If the amount of the charge is greater than the available balance of the first pocket, it will be deducted from the available balance of the second pocket.

  APR from 0%, with a balance of up to €5,000 only in the first pocket and an APR of up to 2.50%, with a balance of up to €50,000 only in the second pocket, in this case earning €1,235 per year (as long as the APR and balance do not vary in one year). And, in addition, if you direct deposit a payroll or other eligible recurring payment and activate Bizum, the 2nd pocket will earn interest on up to €50,000 with an APR of up to 3.00% for up to one year with a balance of up to €50,000 in the 2nd pocket only. In this case, you will receive €1,480 (as long as the APR and balance do not vary in one year). Interest paid monthly. Exclusive offer for new customers.

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  ² Set up automatic payments for a payroll, pension, unemployment benefit or self-employed Social Security fee.
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  ³ 5% interest-bearing accounts: Offer valid until -. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
  
  

  The maximum interest-bearing balance is €10,000. 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 €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.

  In order to earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) bills by direct debit 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, you do not have to activate the linked credit card. 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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  ⁴ If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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  ⁵ If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until - for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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  ⁶ 5% Youth Salary Account: For new and existing customers who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening this new account and who have never received interest on any of these accounts.
  
  

  A customer can only be the holder of one 5% interest-bearing account and a maximum of two Salary/Youth Salary, Pension, Business and Non-Salary accounts.

  To access and maintain the benefits of the youth salary account, the following requirements must be met:

  Have your salary (amounting to at least €500 per month) paid into the account and make three payments per quarter with the linked card.

  The maximum interest-bearing balance is €6,000. 1st year: nominal annual interest rate of 4.94% (5% AER). 2nd year: nominal annual interest rate of 1.99% (2% AER). Semi-annual settlement. Example for a daily balance of €6,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): First six months €146.17, second six months €146.17, third six months €58.88, fourth six months €58.88.

  Promotion valid until -. For individuals living in Spain.

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  ⁷ Example for a Paga Cómodo purchase of €1,500, made on the first day of the settlement period, with a repayment period of 13 months, NIR 0% and APR 0%, first instalment of €0, 12 instalments of €125. Total repayment amount: €1,500. Interest: 0€. Total cost: 0€. French repayment system.
  
  Promotion valid for the first purchase made with Paga Cómodo until 30.06.2025. Minimum amount: €90 Minimum instalment €30. Repayment term of 4 to 13 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ("“revolving”"), credit card bills with the end-of-month payment method and that include a Compra Smart purchase, bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments.
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  ⁸ Repayment term of 4 to 37 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ("“revolving”"), credit card bills with the end-of-month payment method and that include a Compra Smart purchase, bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments. Service subject to approval if your financial situation has changed on the day you apply for it.
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  ⁹ 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, EVO Banco, CECABANK, Cashzone, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.