Salary account advantages

To open and get a return on the Salary Account, you need to meet these conditions:

• Be a natural person (not a company) and live in Spain.
• Be a new customer, or if you are already a customer: not have held a Salary/Pension/Business/Non-Salary/Youth Salary account in the past year and not have received interest on it.
• Pay a salary of at least €800 net into the account per month.
• Make three payments (any amount) with your new card per quarter.
• Set up at least three direct debits per quarter.

If this account is not for you or you don't meet these conditions, you will surely find another option in our offer that suits your circumstances and allows you to access another interest-bearing account with special services: Non-Salary Account, Business Account, Pension Account, etc.

If you cancel the Salary, Pension, Business, Non-Salary or Youth Salary account, the accounts will no longer be treated as bonus accounts. You also need to continue to meet the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account at all times.

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.

Al contratar tu nueva cuenta (ya sea Cuenta Nómina, No-Nómina , Pensión o Profesional) te damos la opción de abrir también 2 cuentas corrientes por titular, gratis y sin comisión de mantenimiento.

Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best.

• Select the number of account holders and, depending on the number indicated, you will continue the process through the Bankinter website or app.
• Provide information about yourself: personal and employment details.
• Verify your identity through video identification.
• Choose the type of account you want to open.
• Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.

If you have to interrupt the process for any reason, you can resume it whenever you want.

And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.

To start opening your new account online, you will need the following:

• Your valid ID card
• A Spanish mobile phone number (+34)
• A mobile device with a camera (for video identification)

Remember, this is an online process so you can do it whenever and wherever you want. And if you have to interrupt the process for any reason, you can always resume it from where you left off.

Yes, there can be two account holders as long as at least one of them has their salary paid into the account. In order for both account holders to be able to access the benefits of the account, it is necessary to meet the account's specific requirements: direct deposit of a salary of €800 or more, 3 direct debit bill payments per quarter and keep the card active by making at least 3 transactions per quarter.

With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.

Yes, they are compatible with the possible interest payment and all the other benefits of the Salary, Non-Salary, Pension and Business accounts that qualify for the €0 maintenance fee and free credit card.

You only need to set up three direct debits from different issuers, payable per quarter. It could be electricity, rent, gas, school, residents' association... whatever you want.

You can withdraw cash from your account without a fee³ from more than 17,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, Cashzone, Caixa Ontiyent, Unicaja Banco S.A., Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

When you open your Bankinter Salary Account online, during the registration process you will be assigned a debit card or credit card, depending on your personal circumstances.

Yes, you'll qualify for interest if you come back to Bankinter and open a new Salary/Pension/Business/Non-Salary/Youth Salary account.

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.

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.