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Only for the accounts
Compare the terms and conditions of all our accounts at a glance.
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.
Open your account with us
Looking for a "no-frills" current account?
Digital Current account no fees, with a debit card and up to 1.5% AER4.
- 1.01% AER up to €24,999.99.
- 1.25% AER from €25,000 and €49,999.99.
- 1.5% AER from €50,000 and without balance limit.
- No commissions, no conditions and with a debit card.
Ventajas
Rentabilidad
Condiciones
Ventajas
Rentabilidad
Condiciones
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Direct deposit of salary over €800
3 payments per quarter using your card
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Direct deposit of salary over €800
3 payments per quarter using your card
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Direct deposit of pension over €800
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Direct deposit of pension over €800
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Deposit a minimum of €800/month for the first 3 months
3 payments per quarter using your card
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Deposit a minimum of €800/month for the first 3 months
3 payments per quarter using your card
3 bills debited from your account each quarter
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Deposit a minimum of €633 in the first 2 months
10 bills debited from your account each quarter
Minimum individual or joint spending of €3,000 on purchases with the cards associated with said account during the last 12 months.
With zero fees
5% APR2 1st year
·
2% APR 2nd year
Max. interest-bearing balance €10,000
Deposit a minimum of €633 in the first 2 months
10 bills debited from your account each quarter
Minimum individual or joint spending of €3,000 on purchases with the cards associated with said account during the last 12 months.
With zero fees
Up to 1,50% APR3
No minimum or maximum amounts
No conditions
Maintenance fees
No return3
Max. interest-bearing balance €0
No conditions
With zero fees
No return8
Max. interest-bearing balance €0
2 account holders
Each of the two account holders must have a current account at Bankinter, at least one of which must be a Salary / Business / Pension / Youth Salary or Non-Salary account.
With zero fees
No return8
Max. interest-bearing balance €0
2 account holders
Each of the two account holders must have a current account at Bankinter, at least one of which must be a Salary / Business / Pension / Youth Salary or Non-Salary account.
With zero fees
5% APR4 1st year
·
2% APR 2nd year
Max. interest-bearing balance €3.000
Direct deposit of salary over €500
3 payments per quarter using your card
With zero fees
5% APR4 1st year
·
2% APR 2nd year
Max. interest-bearing balance €3.000
Direct deposit of salary over €500
3 payments per quarter using your card
With zero fees
No return5
Max. interest-bearing balance €0
You must be between 18 and 24 years old5
With zero fees
No return5
Max. interest-bearing balance €0
You must be between 18 and 24 years old5
With zero fees
No return6
Max. interest-bearing balance €0
Be a Bankinter customer
With zero fees
No return6
Max. interest-bearing balance €0
Be a Bankinter customer
With zero fees
2% AER 7 annual
Max. interest-bearing balance €5,000
10 purchase/sale transactions per quarter
The associated securities account must have a standard custody fee
With zero fees
2% AER 7 annual
Max. interest-bearing balance €5,000
10 purchase/sale transactions per quarter
The associated securities account must have a standard custody fee
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Better financial decisions for your accounts
Tips, comparison tools... We answer your questions and help you choose the bank account you were looking for.
Whatever your circumstances, we have an account for you.
Payroll account
More with your salary
- Up to 5% AER1
- With zero fees
- Debit or credit card 2
- +2 FREE accounts
Pension Account
If you're a pensioner, it's time to enjoy yourself
- Up to 5% AER1
- With zero fees
- Debit or credit card2
- +2 FREE accounts
Business account
You can also ask for one if you are self-employed.
- Up to 5% AER1
- With zero fees
- Debit or credit card2
- +2 FREE accounts
Non-Salary Account
If you don't have a regular income
- Up to 5% AER1
- With zero fees
- Credit card
- +2 FREE accounts
Youth Salary account
If you have a salary and are under 31 years old
- Up to 5% AER5
- Debit or credit card2
- No need to set up any direct debits
- +2 FREE accounts
Digital Current accounts
With all the services of a bank
- Up to 1,5% AER4
- 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
Thinking of you
Services that make your life easier.
The promotion of interest-bearing accounts is valid until - or until 40,000 accounts are opened.
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
ATMs
You'll have access to a vast network of ATMs. More than 17,000 across the length and breadth of Spain7.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.Useful information
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Show/Hide legal text1 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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Show/Hide legal text2 If you open a Salary/Pension/Business/Youth Salary account online you can choose between a credit card or debit card, with no issue 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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Show/Hide legal text3 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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Show/Hide legal text4 Digital current account: Offer available until - for new customers who open their account through bankinter.com. Maintenance fee: €0/year. No time limit for interest yielded, which may vary according to market conditions.
Nominal interest rate based on the average balance in the account in each settlement period. Interest is settled monthly:
- 1.00% NIR (1.01% AER) for average balances of less than 25,000 euros.
- 1.24% NIR (1.25% AER) for average balances of between 25,000 euros and 50,000 euros.
- 1.49% NIR (1.5% AER) for average balances of more than 50,000 euros.
The three examples below are calculated for a settlement period of 30 days, with no minimum or maximum amount paid.
For an account with a daily balance of €10,000, gross monthly interest of €8.22.
For an account with a daily balance of €30,000, gross monthly interest of €30.58.
For an account with a daily balance of €60,000, gross monthly interest of €73.48.
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Show/Hide legal text5 Youth Salary Account 5%: Offer valid until -. Exclusively for new customers aged 18-30. For new and existing individual customers who live in Spain, who have not held a Youth Salary account at Bankinter in the 12 months before opening this new account and who have not previously benefited from this remuneration. In addition, in the case of the Youth Salary Account, customers must have their salary paid into the account for a minimum amount of €500 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 €6,000. 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 €6,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €146.17, 2nd six months €146.17, 3rd six months €58.88, 4th six months €58.88.
To access and maintain the benefits of the Youth Salary Account, you must make at least 3 payments with the card(s) linked to the account, per quarter.
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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 13 months, NIR 0% and APR 0%, first instalment €0 and 12 remaining instalments of €125 each. Total repayment amount: €1,500. Interest: 0€. Total cost: 0€. French repayment system.
Promotion valid for the first payment made with Paga Cómodo until -. 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.
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 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, Cashzone, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.