Mejores decisiones financieras para tus cuentas

Consejos, comparadores,...Resolvemos tus dudas y te ayudamos a elegir la cuenta bancaria que estabas buscando.

Only for the accounts

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 for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor per institution.

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.

Fees?

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

Cards?

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.

Discounts?

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.

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...

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.

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 a Duo Credit card² as well.

No commissions.
Free cash withdrawals from your account.
Interest of up to 5% AER³ the first year and up to 2% AER the second year.
The maximum interest-bearing balance is €10,000.
Offer valid until 31.12.2024 or until 40,000 new salary accounts have been opened.

Discover all about our salary account

Want to know exactly how much interest our Salary Account yields?

Calculate

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 in whichever channel you want:

Go to a branch or do it 100% online, here and now.

I WANT A SALARY ACCOUNT

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

If you need more information to make up your mind,

check the FAQs:

What cards are associated with the Payroll Account? See What cards are associated with the Payroll Account?

Can there be two or more account holders on the Payroll Account? See Can there be two or more account holders on the Payroll Account?

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

Show/Hide legal text
¹
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €10,000 maintained for one year). This offer is available until - for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Show/Hide legal text
² Cards issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment institution with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España under number 8832, with registered office at 12 Avda. de Bruselas, 28108 Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with Tax ID Number A82650672.
Show/Hide legal text
³ 5% interest-bearing accounts: Offer valid until -. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.

The maximum interest-bearing balance is €10,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.

In order to earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) bills by direct debit per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, you do not have to activate the linked credit card. For the Non-Salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.

Open your account in just a few minutes and 100% online

I want a salary account

Do you need help?

Customer service department

Emergency procedures

Help Centre