Online bank accounts with interest and no fees
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Open your fee-free Digital Account in just a few minute.
Compare the conditions of all our accounts at a glance.
2 additional accounts for anything you need and with whoever you want.
Guide to your accounts
Tips, comparison tools... We answer your questions and help you choose the bank account you were looking for.
Discover our fee-free bank accounts.
Youth Account
- No fees
- Debit card
- Discount Programme
Basic Account
- All the most common transactions
- Payment transactions within the European Union
Currency Account
- No conversion fees
- No conditions
Tú y Yo Account
- No fees
- Credit card
- Free national and intra-EU online transfers in euros.
Mini Account
- No fees
- 5% Plan
- Financial education services
Thinking of you
The promotion for the interest-bearing accounts is valid until - or until 40,000 accounts are opened. Digital Account available to new customers until -. Smart Digital Account available to new customers until -.
Paga cómodo
Pay the costs in your account your way: comfortably.
- Pay off spending through your account of over €90 - or groups of smaller expenses that amount to this - conveniently in between 3 and 36 instalments.
- They can be costs in your Bankinter accounts or accounts that you have included in the aggregator.
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 to Bankinter
Want to bring everything to Bankinter? Do it the easy way, do it online.
Switch to Bankinter is the easiest and most convenient way to bring the positions you hold at other banks: 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
Transfers
Send funds to anyone you want to a Hal Cash ATM and they can withdraw the cash without a card.PSD2
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Frequently asked questions
What is an interest-bearing bank account?
An interest-bearing bank account is a banking product that, in addition to allowing the usual operations such as the direct deposit of your salary or income, transfers, Bizum payments and cash withdrawals, offers the advantage of generating interest on the balance in the account. In other words, the money you maintain in the account produces a periodic return, similar to that of a deposit, but with the liquidity and flexibility of a current account.
The interest can be fixed or variable and is usually based on your average balance or the maximum amount set by the bank. It is usually paid monthly or quarterly.
In a nutshell, an online or digital interest-bearing account for a salary, pension, professionals or self-employed people, etc. is a product that combines accessibility with a return on your money, offering an efficient alternative to maximise your daily funds without sacrificing liquidity or the convenience of your operations.
Can I open a Bankinter account fully online without visiting a branch?
Yes, you can open your account fully online in just a few minutes using our video call identification process. All you need is your ID card and a device with a camera. If you prefer, you can also visit any of our branches.
Can a Bankinter account have two holders?
Yes, you can add a second account holder during the online registration process for accounts such as the Salary Account. However, if your goal is to share expenses with your partner, we recommend you take a look at the Tú y Yo Account. It's designed specifically for two people, has no fees and includes free credit cards for both holders, making it easier to manage shared finances.
Do I get free cash withdrawals at ATMs that don't belong to Bankinter?
Yes, you have more than 17,000 free ATMs to choose from. You'll get free cash withdrawals at all Bankinter ATMs and at the ATMs that belong to the EURO 6000 network, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa and others. Click here to see all the free ATMs.
What does guaranteed return mean?
The return of 2.47% NIR is guaranteed until 31.12.26. Thereafter, the return on your account will be adjusted to the interest rate at the time.
How can I change the branch of my account if I've moved?
Yes, and it's very simple. You can request the transfer of your accounts to your nearest new branch through telephone banking or by visiting the new branch.
How long does it take for the account to be activated and when will I receive my IBAN?
It's an immediate process. Once you complete the online registration and digitally sign the contract using the SMS code, you'll receive your account number (IBAN) instantly. The account will be fully operational for issuing payments as soon as we validate your documentation.
Is there a bank portability service to transfer my direct debits and close my old account?
Yes, we offer the Switch to Bankinter Service, a fully digital, free tool. We take care of everything: we manage the transfer of your direct debit bills (electricity, water, internet) and your regular transfers, and we can even request the closure of your account at the other bank if you want. You won't have to go to your old branch or talk to anyone. Everything is managed online in just a few minutes.