Plus all these advantages:
Free Combo card
Apply for our free Combo Professional card with two sides: one for your business expenses and one for your personal spending.Worry-free service
Want to bring all your accounts or direct debits to Bankinter? Do it in the most convenient way:
- Without visiting your branch
- On any device
Free national transfers
You won’t pay any fees on national transfers made through www.bankinter.com, or when you pay cheques into your account.
Business Combo card
Two sides, two cards, two statements.
- Your personal and business expenses separate and tidy
- Pay for all your purchases
- You'll be able to choose how you want to pay
- Plus 2% cash back on all your deferred purchases
If you're self-employed, here's a little joy at last: an account with everything and like everyone else's.
apply about apply business accountMore services, more advantages
Thinking about switching banks? Come to Bankinter and we'll help with all the arrangements.
Account Transfer ServiceSee Account terms and conditions Account terms and conditions
Business account terms and conditions
The interest paid into the business account is a nominal rate of 4.94% in the first year (5% AER). During the second year, the nominal interest will be 1.99% (2% AER). The AER has been calculated on the basis that there are fees with the business account. The amount resulting from each half-yearly settlement is treated as a capital gain and is therefore subject to the withholding percentage stipulated in the applicable tax regulations.
The maximum daily balance to be remunerated shall not exceed €5,000.
The account will start to bear interest as soon as the first income is received for an amount equal to or greater than the amount declared on the account application form.
Eligibility for the promotion perks
Always open a business account within the promotion dates. You must be an individual living in Spain with a monthly business income of least €800, you may not have previously benefited from this remuneration, and you may not have held a salary/pension/business account at Bankinter in the 12 months before opening this new account.
You must pay at least three bills per quarter by direct debit through your business account.
You have three months from opening your business account to make your first deposit. Otherwise, the account will not be treated as a business account and you will lose the related perks, products and services.
This promotion is not available to Bankinter Group employees and agents.
Income in the form of cheques, transfers, remittances and POS sales is considered to be valid income for the business account. Cash deposits are not taken into account but the sum of the total deposits is valid for these purposes.
Cards linked to the business account must be active, i.e. used to make at least three payments per quarter.
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: 902 13 23 13
Can I withdraw cash with my card?
You can withdraw cash from your account without a fee3 from more than 14,000 ATMs, In all: Bankinter, red Euro 6000, Banco Popular, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Banca March, Targo Bank and Euro Automatic Cash.
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-Salary 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.
Important Information
- See list of the typical services linked to a payment account
- Business Account Fee Information Document
- VIEW BUSINESS ACCOUNT PRE-CONTRACT FACTSHEET
- See general terms and conditions for current accounts
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Show/Hide legal text1 Business account: Promotion valid until 31/12/2020 for new and existing individual customers who live in Spain, have an income of at least €800, have not previously benefited from this remuneration, and have not held a salary/pension/business account at Bankinter in the 12 months before opening this new account. Customers may only hold 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 credit cards without any issuance or maintenance fee and no account fees. The maximum interest-bearing balance is €5,000. First year: nominal annual 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 daily balance of €5,000 in a business account, calculated for an interest payment period of 180 days (gross return): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. To access and keep the advantages of our business account, you need to maintain your stated level of income and pay at least three direct debits per quarter. The card linked to the account must also be active, which means that you have to use it at least three times per quarter. You have three months from opening the business account to make your first deposit, which must be at least the amount stated as your business income (cash deposits are not acceptable for this purpose).
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Show/Hide legal text2 Bankinter will not charge you any fees for debit card cash withdrawals, regardless of the amount withdrawn, as long as you take out the cash at any Bankinter ATM or those of any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank and Euro Automatic Cash and the entire EURO 6000 ATM network: CajaSur Banco, EVO Banco, CECABANK, CARDTRONICS, Caixa Ontinyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and EspañaDuero.