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Only for the accounts
Payroll account interest
The only salary account that gives you another two accounts for free1 and up to €340.
Find out more about accounts2 additional accounts for anything you need and with whoever you want
To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.
Your return: how much, when and how does it work?
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?
You will earn a return on your account balance for two years, subject in both years to a maximum interest-bearing balance of €5,000. In this case, you would earn €341.76 over the two years.
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 €340.76 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 €6,000, we have based the calculation on €5,000, which is the maximum amount to be remunerated.
- Here is the breakdown:
First year
First six months: 6.000€
Second six months: 6.000€
Annual NIR 4.94% (4.16% AER)
Annual NIR 4.94% (4.16% AER)
First six months: 121,81€
Second six months: 121,81€
Second year
First six months: 6.000€
Second six months: 6.000€
Annual NIR 1.99% (1.67% AER)
Annual NIR 1.99% (1.67% AER)
First six months: 49,07€
Second six months: 49,07€
Juan has earned the maximum return possible with our Salary Account:
341,76€
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:
First year
First six months: 4.000€
Second six months: 4.000€
Annual NIR 4.94% (4.16% AER)
Annual NIR 4.94% (4.16% AER)
First six months: 97,45€
Second six months: 97,45€
Second year
First six months: 4.000€
Second six months: 4.000€
Annual NIR 1.99% (1.67% AER)
Annual NIR 1.99% (1.67% AER)
First six months: 39,25€
Second six months: 39,25€
This is what Sara has earned over the two years with our Salary Account:
273,76€
With zero fees:
Arrange for your salary to be paid into your account directly, without having to jump through any hoops:
Have your salary (€800 per month at least) paid directly into your account and keep your level of income constant.
Have at least three bills charged from the account every quarter. It can be one bill a month, three bills a month, the next two months none, etc.
Make at least three card payments per quarter. They can be purchases at physical stores or online, either by debit or credit.
Much more than an account:
- With our Bank Switching Service you can leave everything to us. We'll make all the arrangements to switch whatever you tell us to Bankinter.
- Enjoy our two-sided Combo card, and choose between paying at the end of the month or splitting your payments. And if you're self-employed, the Combo Profesional Card has two sides: one to pay your business expenses and the other to pay your personal expenses4.
- 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% AER3
- With zero fees
- Credit card
- +2 FREE accounts
Youth Salary account
If you have a salary and are under 31 years old- With zero fees
- Combo card
- No need to set up any direct debits
- +2 FREE accounts
Become a fully online customer in just 5 steps. Right here, right now.
Useful information
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Show/Hide legal text1
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 €5,000 maintained for one year). This offer is available until 31/12/2022 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.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text2 Offer valid until 31.12.2022 for new and existing individual customers resident in Spain. To apply for a Salary/Pension/Business, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month and those payments must not be currently paid into another Bankinter account. Customers must not have been holders of a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening the account and may not have received any remuneration for any of these accounts. To open a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time in the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €5,000. 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 in the Salary Account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. To earn and retain all the benefits of our Salary/Business/Pension, you must maintain your declared level of income and pay at least three direct debits out of the account 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, activation of the linked credit card is not required. 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 Non-Salary 5%: Promotion valid until 31.12.2022 or for the first 5,000 new accounts. Open to new and existing individual customers resident in Spain who have not held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time during the 12 months before opening this account. Customers may hold only one interest-bearing account and a maximum of two discount-bearing current accounts. For these purposes, a discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €5,000. 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 €5,000 held in a Non-Salary account, calculated for an interest payment period of 180 days (gross return): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. AER calculated on the basis that the Non-Salary account does not have any maintenance or administration fees and that the balance is held there for a full year. To unlock the perks of our 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 text4 Card issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment entity 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.