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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.

Digital current account1

At Bankinter we make your money work for you.

The only account without conditions from a listed bank2 that now gives you up to 1.5% AER with no balance limit. 

  • An account with no fees and no conditions.
  • An account that bears interest on your balance from the first euro.
  • Offer available until - for new customers who open their account through
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With up to 1.5% AER

Interest you will receive according to the balance in your account:

  • 1,01% TAE: Up to 24.999,99 €.
  • 1,25% TAE: from 25.000 € to 49.999,99 €.
  • 1,5% TAE: from 50.000 € and with no balance limit.

With no fees and no conditions.

No administration or maintenance, with no need to set up a direct debit or maintain a minimum balance.

And with a debit card.

You will also get a debit card with no issuance and maintenance fees.

More services, more advantages

You can choose from more than 17,000 ATMs for free debit card cash withdrawals.

  • Bankinter
  • Deutsche Bank
  • Euro Automatic Cash
  • Grupo Cajamar
  • Banca March
  • Grupo Cajas Rurales
  • Laboral Kutxa Bank
  • Targo Bank
  • Euronet

And with all the services that make Bankinter a different bank.

Free transfers

You will not be charged for all national transfers processed through our website or app.

Transfers to ATMs

Send money to anyone you want, so they can withdraw it from an ATM without the need to use a card.

Multi-channel access

Choose what you prefer at each moment:, telephone banking, the Bankinter app or visit one of our branches.

Talk to our staff without the need to make an appointment

You can visit one of our branches at any time, with no need to make an appointment and during normal business hours.


Use our app to pay with Bizum easily and quickly.

Account aggregator

You can check your positions at other banks from the Bankinter website.

Discounts programme

With the Mini Account1, Youth Account2 and Payroll Account for3 Young People you will get a direct discount in physical shops, in online shops or, if you prefer, you can collect your online discounts in a personal piggy bank and transfer the money made to your account whenever you want. How? Sign up on the Inspiring Benefits website, where you will find all the information you need.
By clicking on the following link, you will leave the website.

EURO 6000 Plus Programme

If you have a Bankinter card, you have our EURO 6000 Plus Programme, which means you can get up to 30% discount on purchases made with your Bankinter card: hotels, car hire, restaurants, technology, fashion, workshops, languages, leisure...
Servicio Cambia a Bankitner
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Switch to Bankinter

Want to bring your direct debits? Want to bring your account from another bank?

With our Switch to Bankinter service it's fast, easy and 100% online.

See Current Account Conditions Current Account Conditions

Current Account conditions

Only for individuals living in Spain.

Fee in national Internet transfers: 0 euros.

Fully functional: total liquidity, direct debits, payments, collections, etc.

It has a maintenance fee of 45 euros / years. Paid every six months.

Does not pay interest.

Multi-channel operation: access codes to operate through telephone, Internet and mobile banking. There is also a large branch network.


What do I have to do to move my direct debits to my new account?

Very little. All you have to do is send us with a copy of each of them and sign the authorisation document to change address. The bank will take care of the rest.



Can I apply for a credit or debit card?

Yes. Also, we have lots of different types of cards with different features and payment options.

Can I ask for a chequebook?


How can I get my money?

You can do it through our branches, chequebook or card. You can also use the Hal Cash service to send money instantly via your mobile phone and withdraw it at the ATMs associated with this service.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

More information
900 816 833
ATMs and branches