Smart digital account interest calculator
Want to know how much money you can get with the Smart Digital Account? Enter the money you have saved to calculate the return
Introduce el dinero que tienes ahorrado para calcular la rentabilidad
Advantages of the Smart Digital Account
100% Digital
Content 100% DigitalNo fees
Content No feesFree transfers
Content Free transfersFree debit card
Content Free debit cardMore than 17,000 ATMs for free cash withdrawals
Content More than 17,000 ATMs for free cash withdrawalsPay with your mobile device
Content Pay with your mobile deviceOpen the Digital Smart Account from the comfort of your home and without any fees.
Advantages of the debit card
- Mobile payments.
- Anti-fraud alerts.
- Instant card.
- Need an ATM? Choose from more than 17,000.
- Virtual cards.
- On/Off Service.
Follow these steps to open your Smart Digital Account.
Open your Digital Smart Account easily, without any paperwork and from the comfort of your home.
If for any reason you need to interrupt the process, you can always resume it at any time and from any device.
- Download the Bankinter app and select the option “I want to become a customer”.
- Fill out the form with your personal and employment information.
- Confirm and verify your identity.
- Select the Digital Smart Account.
- Digitally sign the contract.
- Congratulations!
Your account is now open and will be operational within minutes.
Información de interés
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Show/Hide legal text1 The Digital Smart Account is a free current account with two pockets: a first bucket of up to €5,000 for your everyday needs (0% AER) and a 2nd bucket for your savings, yielding interest on balances up to €150,000 (2.46% AER) during the first three months. From the fourth month, it will yield 1.98% NIR for balances up to €150,000. If you set up a direct deposit for your salary and activate Bizum, it will yield 2.47% NIR for balances up to €150,000.
In case of income, the balance in the first bucket that exceeds €5,000 will automatically be transferred to the second bucket.
In the event of a charge, the required amount will be deducted from the first pocket. If the amount of the debit is greater than the available balance in the first bucket, it will be deducted from the available balance in the second bucket.
AER from 0%, for balances up to €5,000 only in the first bucket and an AER of up to 2.12% for balances up to €150,000 only in the second bucket, in which case you will receive €3,153.75 the first year from the start of the contract (provided that the NIR and balance do not vary in one year). And, in addition, if you direct deposit a salary and activate Bizum, the second bucket will earn interest on up to €150,000 with an AER of up to 2.50% for up to one year with a balance of up to €150,000 in the second pocket only. In this case, you will receive €3,705 (as long as the AER and balance do not vary in one year). Monthly settlement of interest. Exclusive offer for new customers.
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Show/Hide legal text2 Set up automatic payments for a payroll, pension, unemployment benefit or self-employed Social Security fee.
- See list of the typical services linked to a payment account
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
- Smart Account Fees Disclosure
- VIEW THE INTELLIGENT BUSINESS ACCOUNT PRE-CONTRACT FACTSHEET
Thank you, you are now one step closer to becoming a customer of Bankinter
Scan the QR code with your phone and continue the application process directly in the app by following these steps:
Download the app and continue the application process there by following these steps:
- I want to become a customer
- Start registration
