Sole Trader Account

The remuneration on the Business Account is a nominal rate of 4.94% in the first year (5% APR). During the second year, the nominal remuneration will be 1.99% (2% APR). The APR has been calculated considering that there are no fees for the Business Account. The amount resulting from each half-yearly settlement will be subject to the withholding percentage stipulated in tax regulations, as it is treated as a capital gain.

The maximum daily balance to be remunerated shall not exceed €5,000.

The account will begin to be remunerated when the first entry of an amount equal to or greater than that declared in the application is registered.

Open a Business Account with Bankinter in the promotion period. You must be an individual, resident in Spain, who does not have, or has not previously had accounts with Bankinter, either on your own or jointly. You must therefore be a new customer. These accounts must be opened simultaneously with the registration of the customer.

Register as a customer and open your Business Account before the end of the promotion period.

The professional income you receive must be €1,000 net per month or more.

You must pay at least three bills by direct deposit in the quarter through your Business Account.

The time limit for making the first deposit is two months from the moment you open your Business Account. If there is no income after this time, the account will lose its status as a Business Account and will lose the associated advantages, 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 income is not taken into account and the sum of income is accepted.

Cards of account holders who receive business income associated with the Business Account must be active, i.e. used to make at least three payment transactions in the quarter.

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

Photocopy of the last payroll.

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

You can withdraw cash from your account without a fee² 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.

Yes, you can request one at no charge.

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.