MANAGE OR REJECT COOKIES.
Only for the accounts
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 €680.
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.
If you open it online, you can choose between a debit or credit card without an issue or maintenance fee.2
Promotion valid until 31.12.2023 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).
the first year and up to 2% AER the second year. Maximum interest-bearing balance €10,000in the first year1. Maximum interest-bearing balance: €10,000.
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 €10,000 in the account, calculated for a settlement period of 180 days:
NIR - AER payment
Annual NIR 4.94% (AER 5%)
1st six months: €243.622nd six months: €243.62
Annual NIR 1.99% (AER 2%)
3rd six months: €98.144th six months: €98.14
Plus all these advantages:
2 additional free accounts
All you have to do is open a business account to enjoy them. It's as easy as that.
Debit or credit card2
You decide which one suits you best. If you choose the debit card, remember you will need to open your account here, on the website: faster, easier.
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.
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...
If you are self-employed, here is a little joy at last: an account with all the same perks and conditions as everyone else
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.
Make 3 payments per quarter using your card
Yes, that's right, per quarter and with no minimum amount.
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.
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.
Switch to Bankinter
Before you can even think about “the hassle of switching banks”, you will already be with Bankinter.
Because we have a free, special service for this: Switch to Bankinter service. It is a simple way of transferring the products or bills that you have with other entities.
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.
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If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €10,000 maintained for one year). This offer is available until 31/12/2023 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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If you open a Salary/Pension/Business/Youth Salary account online you can choose between a credit card or debit card, with no issue or maintenance fee. This offer is available until 31/12/2023 for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this