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Account transfer
What's the best way to help you? Making life easy.
Our account transfer service takes the headache out of switching banks. We won't only help you, we'll do it for free.
And if you have already added your accounts at other banks to our financial aggregator, it will be even easier and faster.
Not a Bankinter customer yet? Switch banks quickly with the Account Switch service; we will switch your account without asking you to go to the branch. And at no cost.
Want to bring your account from another bank? Leave it to us!
Now you can do it online and for free. The best way to welcome you is to facilitate your switch to Bankinter, so if you want, we'll make all the following arrangements for you:
- Cancel your old account and transfer the outstanding balance to your new Bankinter account.
- Send your new bank account details to the issuers of your regular incoming transfers and direct debits: electricity, telephone, etc.
- Set up your regular outgoing transfers.
Plus
Do I meet the requirements for a Salary Account?
Thinking about applying for a Salary Account but not sure if you meet all the requirements? We'll tell you what you need to know!Want to find out which account you need?
Use our bank account comparison tool to choose the best account for your needs.Not sure how our Salary Account yields interest?
You know the Salary Account is fee-free but you're not sure how it yields interest. We'll explain!See Terms and conditions Terms and conditions
The Bankinter account transfer service is offered free of charge to all individual customers acting on their own personal behalf, outside of their commercial, business or professional activity.
This service is only available for banks operating in Spain.
Important information
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Show/Hide legal textThis new service is regulated by Royal Decree Law 19/2017 of 24 November on "Transfer of Payment Accounts", implemented through Ministerial Order ECE/228/2019, of 28 February of the Ministry of Economy and Business on basic payment accounts, payment account procedures and comparison website requirements.
Some tips and things to bear in mind
1. Taxes
In certain cases,
only the holder can notify a change of account to the issuer –
for instance, the tax agency,
town councils and regional governments. You'll need to bear this in mind when you
tell us which direct debits to authorise.
Besides, town councils won't accept account changes for tax
direct debits during the two months prior to the voluntary payment period or during
the payment itself.
2. Payroll
If you transfer your
payroll, you'll have to notify your company's human resources department
of your new account details. We've provided a sample letter below to make this easy for you.
3. Transfer of Pensions
When a pension is transferred between direct debits, it may take between 1 and 2 months depending on the day of the month that you request it, so we recommend that on the date you request the account transfer you put 2 months.
4. Don't forget the balance!
Remember to pay some funds into your new account and maintain a sufficient balance in your
old one to cover the obligations until the account transfer has been completed.
5. Additional details
To comply with
regulations, there may be times when we need to ask you for additional
information. For example, in the case of residents' associations, we'll ask you for the
name and phone number of the property administrator.
6. Choose the transfer date carefully
Make sure
that the date for the complete transfer of your account leaves
enough time to cover the payment obligations and regular deposits
in progress. Remember, the date must fall at least 13 business days after the date on which you submit your application, signed by all the account holders.
Prefer to do it yourself?
If you prefer to be the one to send the details of your new account to the issuers of your incoming transfers and direct debits, we provide two sample letters to make it easier for you. In the case of your social security payments, you also have the forms demanded by that authority.