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Only for the accounts
Account comparison tool
Neither better nor worse: yours
Use our account comparison tool to see our full range of accounts at a glance and choose the one that best suits your needs, type of work and income.
Payroll account
0 €
5% AER1 the first year
2% AER the second year
5.000 €
Debit or credit2
Pension Account
0 €
5% AER1 the first year
2% AER the second year
5.000 €
Debit or credit2
Business account
0 €
5% AER1 the first year
2% AER the second year
5.000 €
Debit or credit2
Non-salary account
0 €
5% AER1 the first year
2% AER the second year
5.000 €
Combo
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Youth Salary Account
0 €
5% AER4 the first year
2% AER the second year
3.000 €
Debit or credit2
Account comparison tool
- The fastest and easiest way to compare our full range of accounts at a glance.
- An easy way to find the one that best suits your needs, the one that offers you what you really need.
- Our account comparison tool will also help you to choose the best account for your income, so you get more out of it.
Get a raise on your salary right now
Whichever one you choose,
you can count on Bankinter's services.
Multi-channel access
You'll always be able to choose how you want to access your account: through our website, mobile app, telephone banking or branch network.Alert service
Keep track of your account balances anywhere, anytime, through the Bankinter app.Transfers to ATMs
Send money to anyone you want through a Hal Cash ATM. They can withdraw it without a card.Financial data aggregation service
Simplify your everyday banking. Add the products you have at other banks to the Bankinter website.Bizum
A safe, simple and fee-free method for sending money to family and friends through your phone, or receiving money from them.Switch to Bankinter
The easiest way to transfer your accounts, bills and pension plans at other banks to Bankinter.Plus
How many bills do I need to pay through my Salary Account?
Questions about setting up direct debits in your Salary Account? Find the answers here!How do I open a Salary Account?
Open your fee-free Salary Account in 5 easy steps. And get up to €340 the first two years!How does the Salary Account yield interest?
Find out about how the Salary Account yields interest and how to earn up to €340Answers to all your questions about our accounts
Everyday banking, management, acquisition of new products, and much more.
Our FAQs section answers the questions you have trouble understanding about financial products: current accounts, pension plans, investment funds.
Important information
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until 30.06.2023 for new and existing individual customers resident in Spain. To apply for a Salary/Pension/Business, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month and those payments must not be currently paid into another Bankinter account. Customers must not have been holders of a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening the account and may not have received any remuneration for any of these accounts. To open a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time in the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €5,000. 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 in the Salary Account of €5,000, calculated for an interest payment 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 earn and retain all the benefits of our Salary/Business/Pension, you must maintain your declared level of income and pay at least three direct debits out of the account 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, activation of the linked credit card is not required. 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 31.03.2023 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 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/Youth 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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Show/Hide legal text4 Youth Salary Account: Promotion valid until 31/03/2023 or up to a maximum of 40,000 new accounts. Exclusively for new customers aged between 18 and 30 with a monthly salary of at least €500. A customer may only hold one interest-bearing account and a maximum of two interest-bearing current accounts. For these purposes, a bonus current account means a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fee and no account fees. The maximum interest bearing balance is €3,000. Year 1: annual nominal 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): 1st six months €73.08, 2nd six months €73.08, 3rd six months €29.44, 4th six months €29.44. To unlock and keep the perks of our Youth Salary account, you need to maintain the declared level of income and the card linked to the Youth Salary account must be active, which means that you have to use it at least three times per quarter.
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Show/Hide legal text5 Youth Account. The Youth Account does not bear any interest or maintenance fee. NIR: 0% (AER: 0%). To be eligible for a 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 Youth account is permitted per holder or co-holder.
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Show/Hide legal text6 Mini Account. The Mini Account does not bear any interest or maintenance fee. NIR: 0% (AER: 0%).To be eligible for a Mini Account, you must be no older than 17 when you open it or for the duration of the account. Only one Mini Account is permitted per holder (0-17 year olds).
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Show/Hide legal text7 Broker Account: Promotion valid until 30.06.2023 or until 40,000 new accounts have been opened. Nominal annual interest rate of 2% (2.02% APR). Interest paid quarterly. For a sample daily balance of €5,000 in a Broker Account, the gross remuneration calculated for a settlement period of 90 days would be: 1st quarter: €24.66, 2nd quarter: €24.66, 3rd quarter: €24.66, 4th quarter: €24.66.
To be eligible for this remuneration, you must perform at least 10 buy/sell trades on the market each calendar quarter via any of the channels available for arranging the products offered by Bankinter Broker at any given time. Trades performed using accounts (securities, derivatives and/or fixed income) linked to the Broker Account and any other Bankinter account you hold or jointly hold will be taken into account when calculating the number of trades. The promotion does not include currency trades or trades using delegated portfolio management services. You must also pay a standard custody fee on the securities account linked to the Broker Account and on all securities accounts you hold or hold jointly with others.
Only one Broker Account is permitted per customer, who must be a private individual resident in Spain. This account is not available to Bankinter Group employees and agents. The currency of the Broker account is the euro.
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Show/Hide legal text8 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, CARDTRONICS, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.
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