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Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor per institution.

Salary account advantages

Spoilers: You will love the advantages offered by the Salary Account

If you know that the account for you is the Salary Account and you are thinking about which one to choose, you are on the right page! Because here you can discover all the special conditions of the Bankinter Salary Account.

Open salary account
Ventajas de una cuenta nómina

In this section on your Salary Account, you will discover...

Up to €680 in remuneration which you will accumulate in the first two years.

Available to arrange entirely online. No need for any paperwork, no need to go to a branch.

The credit or debit card2 without issuance or maintenance fees.

Transfers should not have any fees within the EU in euros.

Up to €680 of remuneration

As we speak, your Salary Account is working for you to give you...

How?

Content How?
We will calculate it based on your daily account balance.
The important thing is not what you earn, but what you have day by day.

How much?

Content How much?
Up to 5% AER in the first year and up to 2% AER in the second year.
You will earn a return on your account balance for two years, subject to a maximum interest-bearing balance of €10,000 each year. In this case, you would earn €683.52 over the two years.

When?

Content When?
You will receive the money every six months.
In other words, two settlements in the first year and two settlements in the second year.

Control all your banks from one place

With our financial aggregator you can see all your other bank accounts from the Bankinter website and app:

  • You decide which banks you want to add.
  • Get an overview of your other positions at other banks: accounts, cards, transactions, deposits, funds, pension plans, etc.
  • Make transfers from your bank accounts at other banks.
  • Easy to set up and even easier to use.

You get discounts, discounts, and discounts

We say it three times because as a customer you have three ways to enjoy Bankinter promotions:
Ahorra en todo

Save on everything you can imagine

Content Save on everything you can imagine
With the discount scheme for Bankinter customers, you have thousands of offers in physical and online stores for day to day, technology, travel, home, etc.
You can accumulate your discounts in a piggy bank and transfer them to your account whenever you want.

How can you get one?

It's as easy as clicking and registering on the Inspiring Benefits portal.
Réstale hasta un 30% a tus compras

Exclusive discounts and refunds on your card purchases

Content Exclusive discounts and refunds on your card purchases
If you have one of our cards, you can enjoy exclusive discounts and refunds on your leisure activities, hotels, entertainment, fashion, training...
All thanks to our EURO 6000 Plus programme 4.

How can you get one?

You just have to select the offer and follow the instructions to get it.

This section has come to an end, but the advantages of the Salary Account continue!

Because you have access to countless special conditions for your Salary Account and advantages for being a Bankinter customer.

For example:
With our new digital service for Real Estate we answer all your questions about your home: How much is my house worth? How much can I rent it for? How long will it take to sell? Become a Bankinter customer and find the answer to all these questions.

Join us
Ventajas de la Cuenta Nómina

FAQs

See What conditions do I need to meet to earn interest on the Salary 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 having received remuneration for any of these accounts.
  • 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 isn't for you or you don't meet these conditions, you are sure to find another option in our offering that suits your situation.

See What happens if I cancel the account or stop meeting the requirements of the salary? What happens if I cancel the account or stop meeting the requirements of the salary?

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.

See How often will I receive the yield from the 5% interest-bearing account? 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.

See ¿En qué consiste la promoción de dos cuentas gratis? ¿En qué consiste la promoción de dos cuentas gratis?

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.

See How do I open an account with Bankinter? How do I open an account with Bankinter?

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

  • Download the Bankinter app and select “I want to become a customer”
  • Fill out the form with your information: personal and employment details.
  • Verify your identity using 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 for any reason you have to interrupt the process, you can always resume it at any time.

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.

See What do I need to open the account with Bankinter? What do I need to open the account with Bankinter?

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.

See Can there be two account holders on the Payroll Account? Can there be two account holders on the Payroll Account?

Yes, there can be several account holders as long as at least one of them has their salary paid into the account.

  • To add a second account holder, you can invite another person to be a co-holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.
  • If you want to open the account with three or more holders, you will need to complete the application process through this link, instead of through the Bankinter app.

In order for all 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.

See How can I transfer my direct debit payments to my new account? How can I transfer my direct debit payments to my new account?

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.

See Is the two free accounts promotion compatible with all the other account benefits? Is the two free accounts promotion compatible with all the other account benefits?

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.

See How many bills do I need to pay through my Salary Account? How many bills do I need to pay through my Salary Account?

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

See Can I withdraw cash with my card? Can I withdraw cash with my card?

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.

See What cards are associated with the Payroll Account? What cards are associated with the Payroll Account?

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.

See I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter? I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter?

Yes, you can get interest if you 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 having received remuneration for any of these accounts.
  • 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.

See What happens after I've been getting interest for two years? 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.

See 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? 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.