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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.
Tu primera cuenta nómina

What's a salary account?

Your first salary? Your first salary account

Now that you are going to get your first salary, you probably have a million questions. We're here to try and answer them and show you some ways to get more out of your salary!

In today's chapter... What's a salary account?

  • The salary account is a type of current account that you can open to have your salary deposited. Plus, it comes with certain perks and exclusive benefits.
Pssst, pssst...
Having your earnings paid into a bank account is easy to set up and means that every month your salary will automatically appear in your account.

Season one, the terms and conditions!

First and foremost, here is some advice about what you should take into account when choosing where to open your salary account to get as many perks as possible.


Whether or not you have to pay a maintenance or administration fee or when you send a bank transfer.


The option of including credit or debit cards without an issuance and maintenance fee.

Direct debits?

The number of bills you have to pay through the account to qualify for the perks.


The discounts offered: from a refund of part of your direct debits to discounts on brands.

More products?

The type of conditions for taking out other financial products with the bank, such as loans and mortgages.

Interest paid?

The interest earned for having the account and the interest rate.

Something else you should know...

There are different types of salary accounts to match different profiles, so choose the one that suits you and your needs best.
Cuenta nómina joven

Youth salary account

Aimed at the younger population, the minimum monthly income is less than that of the salary account and the perks are customised: discounts on restaurants, travel, e-commerce...
Cuenta profesional

Business account

This is designed for self-employed workers who earn a monthly income similar to a salary, which it means it comes with the same perks.
Cuenta pensión

Pension account

Instead of having your salary paid into the account, you have your state pension paid into it, but the perks are the same as those of a normal salary account.

And now you have all the information, we proudly present our own salary account

What does it offer? Well, just for opening the account you'll get two free additional accounts1 for whatever you want and for anyone you want, and an Combo Card as well.

  • No fees
  • Free cash withdrawals from your account.
  • Interest of up to 5% AER2 the first year and up to 2% AER the second year.
  • Maximum interest-bearing balance: €10,000.
  • Offer valid until 31.12.2023 or until 40,000 new salary accounts have been opened.
Discover all about our salary account
Nuestra propia Cuenta Nómina

Oh, But it doesn't end there:

We'll take care of switching your account to Bankinter.
Access your account whenever and wherever you want from our website, app or by phone.
You can set up an alert service for the transactions you want to keep an eye on.

You've convinced me! How do I open it?

Get your documents ready:

ID, proof of address, last payslip, tax return or employment contract and home address.

Start the process through whichever channel you want:

Either visit a branch or set it up online in 5 easy steps

Youth salary account

Are you aged between 18 and 30?

Have your salary paid into the Bankinter Youth Salary Account to get customised exclusive perks.

Discover youth salary account benefits
Cuenta nómina joven

If you need more information to make up your mind,

check the FAQs: