Fee-free account for self-employed workers

To receive interest during the 2 years, you need to reside in Spain and meet these three requirements:

• Prove a professional income of at least €800 per month (cash income does not count).
• Make at least three card payments per quarter.
• Set up three direct debit payments per quarter.

If you are or have been a customer of Bankinter, please review the applicable specific requirements.

You can close your account at any time. Bear in mind that you will forfeit any accrued interest and lose all associated benefits, as per the applicable terms and conditions.

Your account starts earning interest from the first valid deposit you make. Payments are made automatically every six months and are calculated on the first €10,000 of the account balance. You will earn 5% AER in the first year and 2% AER in the second, provided you continue to meet the conditions.

None. You are not required to keep the account for a set period, but if you wish to receive remuneration, you must meet the requirements for income, direct debits and card usage.

The promotion of 5% AER the first year and 2% AER the second year ends right after the two-year mark. From that point onwards, you can continue to use your account free of charge, with no maintenance fees, and enjoy your card and extra accounts, provided you continue to meet their conditions.

You can open your Business Account via the Bankinter app. All you'll need is:

• A valid Spanish national ID (DNI) or other identity document.
• A mobile phone with a Spanish number (+34).
• A mobile device with a camera.
• Your personal data and professional activity.

Steps:

• Select “I want to become a customer” in the app.
• Fill in your personal data and work-related information.
• Verify your identity via video.
• Select the Business Account.
• Digitally sign the contract and create your password.

If you stop part of the way through the process, you can pick it up again later where you left off. After signing the contract, you have 14 days to exercise your right of withdrawal under the conditions provided.

With Bankinter’s Bank switching service, you can easily transfer the direct debits you had with your previous bank. It's a 100% online process that takes just 3 minutes and saves you from having to visit a branch.

Yes, provided you meet the conditions of the promotion. The requirement is not to have held a Salary Account, Youth Salary Account, Pension Account, Business Account or Non-Salary Account during the past year, nor to have earned interest from any of these in the past. You must also reside in Spain, receive at least €800 per month in professional income and, each quarter, use the card three times and pay three direct debits.

Yes. The account can have multiple holders. The requirements must be met by each holder who credits their professional income to the account: a minimum of three direct debit payments per quarter and three card transactions per quarter. It is not necessary for the account holder to also be the holder of the direct debits.

When you open your Business Account, you have the option to add up to two secondary accounts completely free of charge, with no maintenance fees. These accounts operate at 0% NIR and 0% AER, which means they do not generate the remuneration that the main account generates.

These additional accounts are ideal for separating your personal and professional expenses, creating budgets or setting aside a contingency fund, and you can even add joint account holders. Using them is 100% compatible with receiving your interest payments and does not affect any of your other advantages.

A minimum of three direct debit payments must be processed through the account each quarter. They don’t have to be for different bills or be spread evenly across months; you can pay one a month or combine two or three in the same month.

When you open your Business Account, you will be provided with an associated credit card at no cost, with no issuance fee and zero annual maintenance fees.

You can make fee-free debit withdrawals at Bankinter ATMs and at all ATMs belonging to partner banks. You can use the ATM locator on the Bankinter app or website to find the ones closest to you.

The following are representative examples calculated for a constant daily account balance maintained over two full years. Gross remuneration pre-tax. The actual remuneration depends on the balance maintained each day in the account.