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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 per institution.
The redemption, surrender and early withdrawal of part or all of the principal invested are subject to fees or penalties.
When you open an account in a currency other than the euro, please take into account the exchange-rate risk associated with the currency.

If you receive and make payments in foreign currency, how come you don't have a foreign currency account?

Open Currency Account

FOREIGN CURRENCY ACCOUNT

If you receive and make payments in foreign currency, how come you don't have a foreign currency account?

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Perks

No currency conversion fees

You won't pay any conversion fees for sending or receiving funds in the same currency, which you would have to do with a traditional account.

No worries

You won’t need to keep track of fluctuations in the exchange rate.

No conditions

There are no strings attached to our currency account, and you don't have to maintain a minimum balance either.

More services, more advantages

You choose which currency you want for your account

With a currency account you can choose which currency you want to use to receive and make payments. If you work with more than one currency, open more than one account.

Investing in currency will be easier

You can get a return on the balance in your account by investing in shares, ETFs, fixed income or investment funds of any manager in the same currency as your account 1. And if your account is in US dollars or sterling you can also set up deposits in those currencies.

Total liquidity

Investments in these products require constant vigilance. These can be high risk instruments if they are not properly managed. You could lose your entire investment.

You can access your money whenever you like.

Discover the currencies in which you can open a current account.

  • bandera reino unido Pound sterling - GBP (£)
  • bandera estados unidos US dollar - USD ($)
  • bandera canadá Canadian dollar - CAD (C$)
  • bandera suiza Swiss franc - CHF (Fr., SFr.)
  • bandera suecia Swedish krona - SEK (kr)
  • bandera noruega Norwegian krone - NOK (kr)
  • bandera dinamarca Danish krone - DKK (kr)
  • bandera japón Japanese yen - JPY (¥)
  • bandera australia Australian dollar - AUD ($, A$)
  • bandera china Chinese yuan - CNY (¥)
  • bandera marruecos Moroccan dirham - MAD (درهم)
  • bandera república checa Czech koruna - CZK (Kč)
  • bandera nueva zelanda New Zealand dollar - NZD (NZ$)
  • bandera hong kong Hong Kong dollar - HKD (HK$)
  • bandera hungría Hungarian forint - HUF (Ft)
  • bandera islandia Icelandic krona - ISK (kr, Íkr)
  • India Indian rupee - INR (₹)
  • bandera méxico Mexican peso - MXN ($)
  • bandera polonia Zloty - PLN (zł)
  • bandera arabia saudí Saudi riyal - SAR (ر.س, SR)
  • bandera singapur Singapore dollar - SGD (S$)
  • bandera sudáfrica South African rand - ZAR (R)
  • bandera tailandia Thai baht - THB (฿)
  • bandera turquía Turkish lira - TRY (TL)
  • bandera qatar Qatar riyal - QAR (QR, ر.ق)
  • Rumanía Romanian leu - LEU

What conditions must I meet to open a Currency Account?

  • You can contract a currency current account if you are an individual who is resident or non-resident in Spain.
  • The currency current account has absolute liquidity.
  • The currency current account has an annual maintenance fee of €45, paid every six months.
  • This account yields 0% annual nominal interest (-0.90% AER / -1.50% AER)

What are the fees for the Currency Account?

  • Annual nominal interest rate of 0% (-0.90% AER / -1.50% AER) with an account maintenance fee of €45.00/year (€22.50/half-year), which will lead to variations in the AER as a result of variations in the average balance of the account. Here are two examples: NIR 0% (AER -0.90%) calculated for a daily balance of €5,000 kept for one year, without any interest payment and with a maintenance fee for the stated amount. NIR 0% (AER -1.50%) calculated for a daily balance of €3,000 kept for one year, without any interest payment and with a maintenance fee for the stated amount. Always bear in mind the foreign exchange rate risk when you open a non-euro current account.

Plus

Financial Aggregator

Add all your accounts to the Bankinter website and app so you can keep track of them all in one place, at a glance. Also in other currencies.
Find out more about financial aggregator

Account comparison tool

Compare the conditions of all our accounts at a glance.
Compare accounts

Not sure how to choose the best bank account?

Discover our guide on making better financial decisions and choose the account that suits you best.
Find out more about account advantages

FAQs

See What are the requirements for opening a Currency Account? What are the requirements for opening a Currency Account?

The only requirements to open a Currency Account are to be an individual over 18 years old and living in Spain. You won't need to maintain a minimum balance or make a certain number of transactions to keep your account.

If this account is not for you or you don't meet these conditions, you will surely find another option in our offer that suits your circumstances and allows you to access another interest-bearing account with special services: Salary Account, Pension Account, Non-Salary Account, etc.

See How do I open an account with Bankinter? How do I open an account with Bankinter?

Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best.

  • Select the number of account holders and, depending on the number indicated, you will continue the process through the Bankinter website or app.
  • Provide information about yourself: personal and employment details.
  • Verify your identity through video identification.
  • Choose the type of account you want to open.
  • Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.

If you have to interrupt the process for any reason, you can resume it whenever you want.

And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.

See Can the Currency Account have two holders? Can the Currency Account have two holders?

Yes, there can be two account holders as long as both meet the account conditions.

See Can I request a card or pay by direct debit? Can I request a card or pay by direct debit?

No. Cards and bills can easily be linked to a euro account, but not to a currency account.

See How can I get my money? How can I get my money?

The currency current account comes with a cheque book for you to withdraw cash. You can also make withdrawals at any of our branches. Remember, you can access your funds whenever you want as you will always have full liquidity.

See Can I use my Currency Account to invest? Can I use my Currency Account to invest?

Yes, you can invest in shares, ETFs, fixed income and investment funds, as long as you do so in the same currency as your account. Remember, investments in these products require constant vigilance. These can be high risk instruments if they are not properly managed. You could lose your entire investment.

See Can I open more than one Currency Account? Can I open more than one Currency Account?

Of course! Each Currency Account allows you to operate with one type of currency and zero fees. If you make collections or payments in more than one currency, you can open an account for each one.

See FAQs FAQs

Can I request a card or pay by direct debit?

No. Cards and bills can easily be linked to a euro account, but not to a currency account.

How can I get my money?

The currency current account gives you a cheque book. You can withdraw funds using it, or through any of our branches.

Can I work with several currencies?

Each account is set up for a particular currency; if you work with more than one currency, you can open more than one account.

Important information

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