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.

BASIC PAYMENT ACCOUNT

A basic account for special situations.

This lets you carry out everyday banking operations like making deposits, ordering transfers, setting up direct debits, withdrawing cash and paying for purchases with a debit or prepaid card

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Who can open a basic payment account?

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To open a basic payment account, you can't have an account at any other bank and you need to be:

  • A resident of the European Union, even though you have no fixed abode.
  • An asylum seeker.
  • Someone who doesn't have a residence permit but is not liable to deportation for matters of law or fact.

You don't need to subscribe to any other products or services to open a basic payment account.

See Terms and conditions Terms and conditions

Terms and conditions

 

Requirements

  • The basic payment only enables common transactions within the personal environment; it is not valid for transactions in employment or professional contexts.
  • To open a basic payment account, you must be a new customer with no account at any other bank.
  • The account holder must be in one of the following three situations:
    • A resident of the European Union, even if they have no fixed abode.
    • An asylum seeker.
    • A person without a residence permit who is not liable to deportation for legal or factual reasons.

See FAQs FAQs

Can I apply for a credit card?

Yes, but the bank will consider risk criteria when deciding whether to grant the card. If it is granted, it will have a maintenance fee.

Can it have more than one holder?

Yes, but all holders need to fulfil certain terms and conditions.

Can I turn a current account into a basic payment account?

No, one of the legal requirements to open a basic payment account is that you don’t have any other account in any credit institution.

If I am not a resident in Spain, can I open a basic payment account?

Yes, as long as you are a resident of the European Union.

Bankinter has the solution

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