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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 of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.

FEE-FREE BUSINESS ACCOUNT

We've lowered the income requirements of our accounts from €1,000 to €800.

Up to 5% AER the first year1 and up to 2% AER the second year. The maximum interest-bearing balance is €5,000 the first year.1 The maximum interest-bearing balance is €5,000.

Plus all these advantages:

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
find out more about business combo card

More services, more advantages

See 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.

Bankinter has the solution

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

More information
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