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Your return: how much, when and how does it work?
How does the interest-bearing account calculator work?
Content How does the interest-bearing account calculator work?That is what's important, not your salary. We calculate the interest according to the daily balance in your account. So what matters is your daily balance, not what you earn.
How much can I get in interest?
Content How much can I get in interest?Your account balance earns interest for two years, with a maximum interest-bearing balance of €10,000. You would therefore earn a maximum amount of €683.52 over the course of 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:
Want to calculate how much you could earn?
An interest-bearing account with no fees or hidden charges
- No account maintenance fees.
- No debit card maintenance fees.
- No fees for online instant euro transfers in Spain and the EU.
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 the arrangements to switch whatever you tell us to Bankinter, all free of charge.
- Open your salary account online now and choose between a credit card or debit card. No issuance or maintenance fees.
- Discounts at hundreds of fashion, home, technology and sports stores, on food deliveries, and more.
- More than 18,000 ATMs in Spain for free debit withdrawals, whatever the amount. Does anyone give more?
- Pay with your phone with Bizum, Apple Pay, Samsung Pay and Google Pay.
- You get two additional free accounts, for whatever you want and with anyone you want.
Calcula la remuneración de tu cuenta
Discover all of Bankinter's interest-bearing accounts
FAQs
What is an interest-bearing account:
An interest-bearing bank account is one that gives you interest just for having your money in it. Its main advantages are that it encourages saving, allows you to access your money whenever you want without penalties, and offers great security for your funds, especially during times of low interest rates. Find out more about interest-bearing accounts.
Main features of an interest-bearing account:
- Interest on the balance: The bank pays a percentage calculated on the money available in the account.
- Access to your money at all times: Unlike fixed-term deposits, you don't lock up your money.
- All the usual transactions: It allows you to make transfers, set up direct debits and deposits, link it to credit and debit cards, use Bizum and carry out other online transactions.
- Conditions: Some require the direct deposit of an income, such as salary, the use of a card, or the maintenance of a minimum balance to qualify for interest.
Advantages of interest-bearing bank accounts:
- Return: Your money grows as savings.
- Immediate liquidity: You can access your money whenever you need to.
Possible additional benefits: Zero fees, discounts or welcome gifts for opening the account.
What conditions do I need to meet to earn interest on the Salary Account?
Promotion valid for new customers and existing customers who meet the following conditions:
- Be a natural person (not a company) and live in Spain.
- Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
- Not have received interest on any of these accounts.
- Deposit a monthly salary of at least €800 net into the account.
- Make three payments with your new card every quarter.
- Set up at least three direct debits per quarter.
If the Salary Account isn't for you or you don't meet these conditions, you are sure to find another option that suits you in our range of accounts.
How often will I receive the yield from the 5% interest-bearing account?
The payment will be made automatically every six months from the date you open the account. Remember, the maximum interest-bearing balance is €10,000€ and you will get 5% AER the first year and 2% AER the second year.
What happens after I've been getting interest for two years?
Your account will yield interest in the first two years. After that, you won't get interest anymore but you will still get all the other benefits of the Salary Account. You'll keep your free card and the two additional current accounts included in the promotion, which you can open for free and add whoever you want as joint holder. We'll continue to waive fees for maintenance, cash withdrawals from our ATM network and debit transfers in Spain and the EU, so you'll still save around €70 per year.
I'm an existing customer and I've had a Salary/Pension/Business/Non-Salary/Youth Salary account in the past. Will I still get interest if I open a new account with Bankinter?
Yes, but there are two conditions:
- More than 12 months must have passed since you closed your Salary/Pension/Business/Non-Salary/Youth account.
- You must never have received interest on those accounts.