Account comparison tool

Important information

• Show/Hide legal text
  ¹

  Free national transfers in euros through the website and within the EU.

• Show/Hide legal text
  ² 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.

• Show/Hide legal text
  ³ The Digital Smart Account is a free current account with two pockets: the first pocket up to €5,000 for your day-to-day needs (0% NIR) and a second pocket for your savings, earning interest on up to €50,000 (2.47% NIR). If you direct deposit your payroll and activate Bizum, the second pocket will earn interest on up to €50,000 (2.96% NIR).

  In case of income, the balance of the first pocket that exceeds €5,000 will automatically be transferred to the second pocket.

  In the event of a charge, the required amount will be deducted from the first pocket. If the amount of the charge is greater than the available balance of the first pocket, it will be deducted from the available balance of the second pocket.

  APR from 0%, with a balance of up to €5,000 only in the first pocket and an APR of up to 2.50%, with a balance of up to €50,000 only in the second pocket, in this case earning €1,235 per year (as long as the APR and balance do not vary in one year). And, in addition, if you direct deposit a payroll or other eligible recurring payment and activate Bizum, the 2nd pocket will earn interest on up to €50,000 with an APR of up to 3.00% for up to one year with a balance of up to €50,000 in the 2nd pocket only. In this case, you will receive €1,480 (as long as the APR and balance do not vary in one year). Interest paid monthly. Exclusive offer for new customers.

• Show/Hide legal text
  ⁴ 5% Youth Salary Account: For new and existing customers who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening this new account and who have never received interest on any of these accounts.
  
  

  A customer can only be the holder of one 5% interest-bearing account and a maximum of two Salary/Youth Salary, Pension, Business and Non-Salary accounts.

  To access and maintain the benefits of the youth salary account, the following requirements must be met:

  Have your salary (amounting to at least €500 per month) paid into the account and make three payments per quarter with the linked card.

  The maximum interest-bearing balance is €6,000. 1st year: nominal annual interest rate of 4.94% (5% AER). 2nd year: nominal annual interest rate of 1.99% (2% AER). Semi-annual settlement. Example for a daily balance of €6,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): First six months €146.17, second six months €146.17, third six months €58.88, fourth six months €58.88.

  Promotion valid until -. For individuals living in Spain.

• Show/Hide legal text
  ⁵ 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.
• Show/Hide legal text
  ⁶ 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).
• Show/Hide legal text
  ⁷ Broker Account: Promotion valid until - or up to a maximum of 40,000 new accounts. Nominal annual interest rate of 1,99% (2% AER). Quarterly settlement. For a sample daily balance of €5,000 in a Broker Account, the gross remuneration calculated for a quarterly settlement period would be: 1st quarter: €24.53, 2nd quarter: €24.81, 3rd quarter: €25.08, 4th quarter: €25.08.

  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.

• Show/Hide legal text
  ⁸ 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.
• Show/Hide legal text
  ⁹ 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.
• Show/Hide legal text
  ¹⁰ If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance 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.
• Show/Hide legal text
  ¹¹ Set up automatic payments for a payroll, pension, unemployment benefit or self-employed Social Security fee.