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Only for the accounts
1 /6
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor.

FEE-FREE BUSINESS ACCOUNT

The first business account that gives you another 2 accounts for free1 and up to €340.

As a self-employed person, you know better than anyone what it costs to earn a little extra. But as well as having no fees, the Business Account is linked to lots of services designed to make your everyday banking and finances easier and save you time.

    • Promotion valid until 31.12.2022 or until 40,000 accounts have been opened.
    • You can have up to two additional current accounts without a maintenance fee (0% NIR, 0% APR).
BUSINESS ACCOUNT
To
5%AER
the first year and up to 2% AER the second year. Maximum interest-bearing balance €5,000in the first year1. Maximum
interest-bearing balance: €5,000.

2 additional accounts for anything you need and with whoever you want

To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.

So you know exactly what we are talking about, we will calculate and explain the maximum interest you could receive.

Example for a daily balance of €5,000 in the account, calculated for a settlement period of 180 days:
 
NIR - AER payment
Gross return.
1st year:
Annual NIR 4.94% (AER 5%)
1st six months: €121.81 2nd six months: €121.81
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €49.074th six months: €49.07
Total
-
341,76€

Plus all these advantages:

cuentas remuneradas sin comisiones

2 additional free accounts

All you have to do is open a business account to enjoy them. It's as easy as that.

Combo Profesional card2

A card with no issuance or maintenance fee. The card has two sides and will allow you to choose one side or the other depending on whether your spending is private or professional, so your accounts will be clearer.

National and intra-EU transfers, free

All national and intra-EU transfers that you make in euros and through the website have no fees. You will not pay any fees for paying cheques into your account either.

Multichannel access to your account

As well as at our branches you can conduct enquiries and transactions on the website, on your phone or via telephone banking, which is just as secure but a lot faster.

Alert service

A service that allows you to receive alerts on your mobile or by e-mail about activity in your account. You can tell us when you want us to notify you: income, debit, amount...

What are the terms and conditions? There are four:

  • Deposit a minimum of €800/month into your account

    Since it is a Business Account it will have to be business income, in other words, paid by cheque, transfer, remittance, POS terminal or Bizum. Cash deposits are not taken into account but the sum of the total deposits is valid.

  • Have three bills debited from your account each quarter

    They do not need to have different issuers or take place during the same month. It can be one bill every month or, for example, three bills in one month and none the next two months.

  • Keep your Combo Card active

    This requirement is easy to meet: you only need to carry out three payment transactions using the card associated with the account... per quarter!

  • Do not take too long to deposit your first income

    Once you open an Business Account, the first deposits must be a minimum of €800/month for the next three months. If, after that time, you do not deposit the agreed income, you will lose the benefits associated with the Business 5% Account.

Who can open a Business 5% Account?

New customers and customers with professional income over €800/month who are not employees or collaborating agents of the Bankinter Group.
You must be an individual, resident in Spain and not have been the owner of any of our interest-bearing accounts in the 12 months prior to opening the account.
The same customer can only be the owner of one interest-bearing account and two bonus current accounts, for example, any that do not have a maintenance fee or that have cards with special conditions associated with them.

Bank switching service

Before you can even think about “the hassle of switching banks”, you will already be with Bankinter.

Because we have a free and special service for that purpose: the bank switching service. It is a simple way of transferring the products or bills that you have with other entities.

  • Online.
  • No paperwork.
  • No arrangements to make with your other banks.
ACCOUNT TRANSFER SERVICE
cambia de banco a bankinter

You can choose from more than 17,000 ATMs for free debit card cash withdrawals.

  • Bankinter
  • Deutsche Bank
  • Euro Automatic Cash
  • Grupo Cajamar
  • Banca March
  • Grupo Cajas Rurales
  • Laboral Kutxa Bank
  • Targo Bank
  • Euronet
cuentas bancarias bankinter

Short on funds to pay a bill?

That's one of the reasons why we have created the alternative account service. The other reason is to give you peace of mind.
  • A service that lets you assign an alternative account to pay your direct debits.
  • We will only use the account to debit your bills when there aren't enough funds in your main account.

More services, more advantages

Bizum: send and receive money from your mobile for free.

How? It's so easy, the only requirement is that both the sender and the recipient have registered for Bizum. You can receive and send from €0.50 to €1,000.
Find out more

Compra Smart

With Compra Smart you can convert your bigger purchases into smaller ones by spreading the cost over one or several purchases: no paperwork, all online and from €150.
Find out more

Smart Cash

Need some temporary liquidity in your account? With Smart Cash you can transfer funds from your credit card to your current account.
Find out more

See FAQs FAQs

What documentation do I need to open my Professional Account?

Photocopy of the tax ID number (NIF) of the owners of the account.

Photocopy of the last payroll.

What do I have to do to move my direct debits to my new account?

Very little. You just have to provide us with a copy of each of them and sign the authorisation document to change the direct debit. The bank will take care of the rest. You can do this in any of our branches or using Telephone Banking, by providing us with the data: 91 657 88 00.

Can I withdraw cash with my card?

You can withdraw cash from your account without a fee3 from more than 17,000 ATMs, In all: Bankinter, 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.

Can I have a cheque book?

Yes, you can request one at no charge.

Can a customer have more than one Professional Account?

Yes, meeting the requirements of both accounts, up to a maximum of two Professional Accounts (the holder who receives incomes has to be entered; a person can only be included in an account as a holder who pays in income) or a Professional Account + a Non-Payroll Account. A customer may only be the holder of one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is understood to be a current account that has special financial conditions such as free credit cards and no fees. This limit will also apply to any other interest-bearing account, subsidised or with special conditions, that Bankinter may offer in the future.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

More information
900 816 833
ATMs and branches