Fee-free account for self-employed workers

To open and get a return on the Business Account, you need to meet these conditions:

• Be a natural person (not a company) and live in Spain
• Be a new customer, or if you are already a customer: not have held a Salary/Pension/Business/Non-Salary/Youth Salary account in the past year and not have received interest on it
• Pay business earnings of at least €800 per month into your Business Account (by cheque, transfer, remittance, POS or Bizum)
• Keep your new card active by making at least three payments per quarter
• Set up at least three direct debits per quarter. The bills can have different issuers and fall due in different months. They can also be for any item: gym, rent, school, electricity, gas…

If this account is not for you or you don't meet these conditions, you will surely find another option in our range that suits your circumstances and allows you to access another interest-bearing account with special services: Salary Account, Pension Account, Non-Salary Account, etc.

If you cancel the Salary, Pension, Business, Non-Salary or Youth Salary account, the accounts will no longer be treated as bonus accounts. You also need to continue to meet the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account at all times.

The payment will be made automatically every six months from the date you open the account. Remember, the maximum interest-bearing balance is €10,000€ and you will get 5% AER the first year and 2% AER the second year.

When you open your new account (whether a Salary, Non-Salary, Pension or Business Account), we also give you the option of opening two current accounts per holder, free of charge and with no maintenance fee.

Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best

• Download the Bankinter app and select “I want to become a customer”
• Fill out the form with your information: personal and employment details.
• Verify your identity using video identification.
• Choose the type of account you want to open.
• Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.

If for any reason you have to interrupt the process, you can always resume it at any time.

And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.

To begin opening your new online account, you'll need the following:

• Your valid ID card
• A Spanish mobile phone number (+34)
• A mobile device with a camera (for video identification)

The process is online and you can do it whenever and wherever you want. Besides, you don't have to complete the procedure all in one go. You can always exit and come back to it later.

Yes, there can be multiple account holders:

• To add a second account holder, you can invite another person to be a joint holder during the registration process. Remember, both holders will have to digitally sign the contract in order to open the account.
• If you want to open the account with 3 or more holders, you will need to complete the contract here, instead of in the Bankinter app.

However, you have to meet certain conditions for both holders of the Business Account to access the benefits of the account: pay business earnings of at least €800 into the account, pay three direct debits per quarter and keep the card active by making at least three payments per quarter.

With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.

You only need to set up three direct debits, payable per quarter. It could be electricity, rent, gas, school, residents' association... whatever you want.

Yes, but there are two conditions:

• More than 12 months must have passed since you closed your Salary/Pension/Business/Non-Salary/Youth account.
• You must never have received interest on those accounts.

Yes, they are compatible with the possible interest payment and all the other benefits of the Salary, Non-Salary, Pension and Business accounts that qualify for the €0 maintenance fee and free credit card.

You can withdraw cash from your account without a fee from more than 18,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur, CECABANK, Cashzone, Caixa Ontinyent, Unicaja, Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

When you open your Business Account online, you will be assigned a debit card or a credit card, depending on your personal characteristics.

Your account will yield interest in the first two years. After that, you won't get interest anymore but you will still get all the other benefits of the Salary Account. You'll keep your free card and the two additional current accounts included in the promotion, which you can open for free and add whoever you want as joint holder. We'll continue to waive fees for maintenance, cash withdrawals from our ATM network and debit transfers in Spain and the EU, so you'll still save around €70 per year.

Yes, you can get interest if you meet the following conditions:

• Be a natural person (not a company) and live in Spain.
• Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
• Not having received remuneration for any of these accounts.
• Pay a salary of at least €800 net into the account per month.
• Make three payments (any amount) with your new card per quarter.
• Set up at least three direct debits per quarter.