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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.
Benefits
Yield
Conditions
Benefits
Yield
Conditions
The promotion of interest-bearing accounts is valid until 31/12/2023 or until 40,000 accounts are opened.
With zero fees
5% APR2 1st year
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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
1% 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
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 €680 the first two years!1How does the Salary Account yield interest?
Find out about how the Salary Account yields interest and how to earn up to €680Answers 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
Free national transfers in euros through the website and within the EU.
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Show/Hide legal text2 5% interest-bearing accounts: Offer valid until 31/12/2023. 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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Digital current account: Offer available until 31.12.2023 for new customers who open their account through Bankinter.com. 1% annual nominal interest rate with monthly payments (1.01% AER) and an account maintenance fee of €0/year. Example for a daily balance of €10,000 in a current account, calculated for an interest payment period of 30 days: monthly gross remuneration of €8.22. No minimum or maximum interest-bearing amount.
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Show/Hide legal text4 Youth Salary Account 5%: Offer valid until 31/12/2023. 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 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 31.12.2023 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 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 text9 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 31/12/2023 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 text10 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 31/12/2023 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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