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2 additional accounts for anything you need and with whoever you want.
Calcula la remuneración de tu cuenta
Your return: how much, when and how does it work?
How?
Content How?This is important, because it is not based on the amount of your salary. We calculate the interest on the basis of your daily account balance. In other words, what matters is your daily account balance, not what you earn.
How much?
Content How much?You will earn a return on your account balance for two years, subject in both years to a maximum interest-bearing balance of €10,000. In this case, you would earn €683.52 over the two years.
When will you receive the money?
Content When will you receive the money?In other words, two settlements in the first year and two settlements in the second year. Payment will be based on the daily balance in your account during those four six-month periods.
Two examples, two returns, two customers: Juan and Sara.
Juan's accounts:
- Juan has earned €683.52 with his Salary Account in two years.
- To remunerate Juan's account, we have calculated and settled his interest every six months.
- While his average balance was €12,000, we have based the calculation on €10,000, which is the maximum amount to be remunerated.
- Here is the breakdown:
Sara's accounts:
- Sara has earned €273.40 with her Salary Account in two years.
- To remunerate Sara's account, we have calculated and settled her interest every six months.
- And here is the breakdown of the return on her account:
With zero fees:
Arrange for your salary to be paid into your account directly, without having to jump through any hoops:
Much more than an account:
- With the Switch to Bankinter service you can leave everything to us. We'll make all the arrangements to switch whatever you tell us to Bankinter.
- If you open your Bankinter salary account online now you can choose between a debit card or credit card3. No issuance or maintenance fee.
- Discounts in hundreds of stores fashion, home, technology, sport, food delivery ...
- More than 17,000 free debit ATMs in Spain, whatever the amount you withdraw. Does anyone give more?
- You can pay with your mobile with Bizum, Apple Pay, Samsung Pay and Google Pay.
Payroll account
More with your salary- Up to 5% AER2
- With zero fees
- Credit card
- +2 FREE accounts
Pension Account
If you're a pensioner, it's time to enjoy yourself- Up to 5% AER2
- With zero fees
- Credit card
- +2 FREE accounts
Business account
You can also ask for one if you are self-employed.- Up to 5% AER2
- With zero fees
- Credit card
- +2 FREE accounts
Non-Salary Account
If you don't have a regular income- Up to 5% AER2
- With zero fees
- Credit card
- +2 FREE accounts
Youth Salary account
If you have a salary and are under 31 years old- Up to 5% AER4
- With zero fees
- Credit card
- +2 FREE accounts
Become a customer in just a few minutes and 100% online.
Important information
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Show/Hide legal text1 If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until - for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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Show/Hide legal text2 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.
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Show/Hide legal text3 If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Show/Hide legal text4 5% Youth Salary Account: For new and existing customers who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening this new account and who have never received interest on any of these accounts.
A customer can only be the holder of one 5% interest-bearing account and a maximum of two Salary/Youth Salary, Pension, Business and Non-Salary accounts.
To access and maintain the benefits of the youth salary account, the following requirements must be met:
Have your salary (amounting to at least €500 per month) paid into the account and make three payments per quarter with the linked card.
The maximum interest-bearing balance is €6,000. 1st year: nominal annual interest rate of 4.94% (5% AER). 2nd year: nominal annual interest rate of 1.99% (2% AER). Semi-annual settlement. Example for a daily balance of €6,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): First six months €146.17, second six months €146.17, third six months €58.88, fourth six months €58.88.
Promotion valid until -. For individuals living in Spain.