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Important information

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  ¹ Salary 5%: Valid until 31.12.2021 for new customers and existing customers with a monthly salary of at least €800 that is not currently paid into Bankinter. Customers must be individuals resident in Spain who have not already benefited from this remuneration, or who are not and have not been holders of a Salary/Pension/Business account at Bankinter in the 12 months before opening this account. 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. First year: nominal annual interest rate of 4.94% (5% AER). 2nd year: 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 a settlement 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 unlock and keep the perks of our Salary Account, you need to maintain the declared level of income and pay at least three direct debits per quarter. The card linked to the Salary Account must also be active, which means that you have to use it at least three times per quarter.
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  ² Pension 5%: Valid until 31/12/2021 for new customers and existing customers with a monthly pension of at least €800 that is not currently paid into Bankinter. Customers must be individuals resident in Spain who have not already benefitted from this remuneration, or who are not and have not been holders of a Salary/Pension/Business account at Bankinter in the 12 months before opening this account. 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. First year: nominal annual interest rate of 4.94% (5% AER). 2nd year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance in a Pension account of €5,000, 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. To unlock and keep the perks of our Pension Account, you need to maintain your declared level of income and pay at least three direct debits per quarter.
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  ³ 5% Business Account: Valid until 31.12.2021 for new customers and existing customers with a monthly business income of at least €800 that is not currently paid into Bankinter. Customers must be individuals resident in Spain who have not already benefited from this offer, or who are not and have not been holders of a Salary/Pension/Business account at Bankinter in the 12 months before opening this account. 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. First year: nominal annual interest rate of 4.94% (5% AER). 2nd year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for daily balance of €5,000 in a Business 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. To unlock and keep the perks of our Business Account, you need to maintain your declared level of income and pay at least three direct debits per quarter. The card linked to the Business Account must also be active, which means that you have to use it at least three times per quarter.
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  ⁴ Non-Salary 5%: Promotion valid until 31/12/2021 or for the first 5,000 new accounts. Open to new and existing individual customers who live in Spain, have not previously benefited from this remuneration and have not held a Non-Salary account at Bankinter in the 12 months before opening this new account. 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. First year: nominal annual interest rate of 4.94% (5% AER). Second year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €5,000 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 maintained for a full year. To access and keep the advantages 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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  ⁵ Tú y Yo account To open a Tú y Yo account and keep the perks and products linked to it, each holder must have a current account at Bankinter and one of those accounts must be a Salary/Business/Pension/Bk Salary or Non-Salary account. The Tú y Yo account is non-interest bearing: NIR 0% (AER 0%). A customer may only hold one Tú y Yo account, and the Tú y Yo account must have two holders.
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  ⁶ Bk Salary Account: Promotion valid until 31 December 2021 or up to a maximum of 40,000 new accounts. Exclusively for new customers between the ages of 18 and 30 with a salary of at least €500. 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: €3,000. First year: nominal annual interest rate of 4.94% (5% AER). Second year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance in the Salary account of €3,000, calculated for a settlement period of 180 days (gross return): First six-month period €73.08, second six-month period €73.08, third six-month period €29.44 and fourth six-month period €29.44. To access and keep the benefits of our Bk Salary account, you need to maintain the declared level of income and pay at least three direct debits per quarter. The card linked to the Bk Salary account must also be active, which means that you have to use it at least three times per quarter.
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  ⁷ Bk Youth Account. The Bk Youth Account does not bear any interest or maintenance fee.  NIR: 0% (AER: 0%). To be eligible for a Bk Youth Account, you must be between 18 and 24 years old when you open it and for the duration of the account. If there are several holders of the same account, at least one of them must be between 18 and 24 years old. Only one Bk Youth account is permitted per holder or co-holder.
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  ⁸ Bk Mini Account. The Bk Mini Account does not bear any interest or maintenance fee.  NIR: 0% (AER: 0%).To be eligible for a Bk Mini Account, you must be no older than 17 when you open it or for the duration of the account. Only one Bk Mini Account is permitted per holder (0-17 year olds).
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  ⁹ Broker account: This only applies to Bankinter Broker trading fees. It does not include fees, taxes or postage. The bonus will be paid as a stock market voucher ('Bono Bolsa') worth €1,000, which will be available the day after you open your securities account. Bankinter fees for any product or broker service, except for Foreign Currency, carried out online or via mobile during the first month will be discounted up to a maximum of €1,000. Promotion valid until 31/12/2021, exclusively for customers that open a securities account and who have never previously held a securities account at Bankinter.
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  ¹⁰ Bankinter will not charge you any fees for debit cash withdrawals, regardless of the amount withdrawn, provided that you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and España Duero.