Online bank accounts with interest and no fees.
Need an account? Count on us to help your money grow.
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Our interest-bearing accounts have a lot to give and ask little or nothing in return.
Interest-bearing accounts.
Content Interest-bearing accounts.No fees.
Content No fees.And no minimum term.
Content And no minimum term.
Digital Account
Online interest-bearing account with no fees.
- -% AER return Example.
Maximum interest-bearing balance: €100,000. - Guaranteed interest from the first euro until 31.01.27.
- No need to set up direct debits for your salary or bills.
- Comes with a fee-free debit card.
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Smart Digital Account
100% digital.
- No fees or commissions.
- Up to 2% AER Example in the first year, with payroll and Bizum.
- Up to 1.62% AER in the first year, without payroll and Bizum.
- Debit card.
Digital Account
Online interest-bearing account with no fees.
- -% AER return Example.
Maximum interest-bearing balance: €100,000. - Guaranteed interest from the first euro until 31.01.27.
- No need to set up direct debits for your salary or bills.
- Comes with a fee-free debit card.
Currency Account
The account designed to support you if you operate in an increasingly international environment.
Smart Digital Account
100% digital.
- No fees or commissions.
- Up to 2% AER Example in the first year, with payroll and Bizum.
- Up to 1.62% AER in the first year, without payroll and Bizum.
- Debit card.
Basic Account
An account for special situations.
- All the most common transactions
- Payment transactions within the European Union
Smart Digital Account
100% digital.
- No fees or commissions.
- Up to 2% AER Example in the first year, with payroll and Bizum.
- Up to 1.62% AER in the first year, without payroll and Bizum.
- Debit card.
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Tú y Yo Account
The perfect account for sharing expenses, for example.
- No fees or commissions (0% NIR; 0% APR) EXAMPLE.
- Credit card.
- Free national and intra-EU online transfers in euros.
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Mini Account
For minors: from birth to age 17.
- No fees or commissions (0% NIR; 0% APR) EXAMPLE.
- Includes a financial education programme designed to help children learn through play.
Youth Account
18 to 24 years old.
- No fees or commissions (0% NIR; 0% APR) EXAMPLE.
- Debit card.
- Includes a discount programme to help you make the most of your money.
Compare all our accounts at a glance.
Switch to Bankinter service
Worried about bills and direct debits?
With our Switch to Bankinter service, it’s really easy to transfer everything over – all it takes is a few clicks.
More services with your new account to make your day-to-day life easier.
Financial aggregation.
Access your account holdings with other banks via the Bankinter website.Bizum.
Send and receive money even more easily right from your phone.Transfers.
Fast, secure, no waiting and – if made within the EU and in euros – free of charge.Guide to your accounts
Tips, calculators, comparison tools... Everything you need to choose the best bank account for you.
80% of our customers recommend their advisor for the following reasons:
- Friendly and personalised service
- Efficiency and professionalism
- Expertise and speed
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 18,000 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 -% NIR is guaranteed until -. 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.
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