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Know your payslip

New season: everything you need to know about your payslip

Already received your payslip? Then you might have noticed that it can be a tad difficult to understand. That's why we are going to spend a whole season explaining it to you.
Entiende tu nómina

Let's start with chapter one.

Today we will be helping you to understand your payslip, and by that we mean the document showing the amount of money you receive from your employer each month. It contains a lot of information! But to simplify things, we can divide it into four main blocks:
Datos de la empresa y el trabajador

1. Details of the company and of the worker

All the information on both the company and the worker.

2. Earnings

Gross salary of the worker and a description of each component item.

Deducciones IRPF

3. IRPF deductions

Deductions that are applied to your payslip, meaning the items that are subtracted from your pay.
Líquido a percibir

4. Net amount payable

The final net amount of money that the worker receives in his or her account, after all deductions have been made.

Press pause for a moment

  • Let's focus on the previous chapter, because each of the blocks features different concepts. Ready to start?
Your gross salary is the sum of all the amounts you will receive, while your net salary is the money that you will ultimately receive in your account after deductions and contributions. Now let's continue with the chapter!

1. Details of the company and of the worker

This block contains all the information about the company that has hired you, as well as your own personal details:

Of the company:

Name, registered office, tax number (CIF), social security contribution code and settlement period.

Of the worker:

Name, identity number, social security contribution code, type of contract, occupational category or group, and start date at the company.

2. Earnings

Earnings include all the items that make up your salary, i.e. the total gross money you receive. Earnings fall into two groups: salary items and non-salary items.

Salary payments

The money given to you exclusively as remuneration for your work.

Base salary

The total remuneration you receive for doing your job.

Salary supplements

Extra pay items added to your base salary, such as bonuses for achieving certain goals.


The money you earn for having worked overtime at your company, i.e. additional work outside of your normal working day.

Extraordinary payments

Extra payments, which are included in your annual salary and will never be less than 30 days of your base salary.

Salary in kind with flexible remuneration

The company may sometimes let you to use part of your salary to pay for certain services at special or discounted prices, such as restaurant vouchers or gym passes.

Non-salary items

Extra items received from your employer but which are not taxed as wages.

Compensation and allowances.

Work-related expenses that the employee has paid for out of his or her own pocket and that the company must repay in the employee's next payslip. This may include: business lunches, taxis to and from meetings, materials...

Delegated payment of financial benefits

Money paid to the worker by the social security fund or mutual insurance company when he/she is on medical leave due to incapacity for work. The company may sometimes supplement this money to ensure that the employee does not receive less than his or her salary.

Voluntary additional compensation

Where the company decides to pay the worker more than the amount envisaged in the collective bargaining agreement. In this case, the employee's gross salary will consist of his or her basic salary plus this additional compensation.

3. IRPF deductions

Deductions are the amounts withheld from your payslip, meaning the amounts subtracted from your earnings. They fall into two blocks:

Deductions for Social Security

Money that goes directly to the social security system, in order to meet the cost of its various systems and contributions for unemployment, medical leave or vocational training.

Personal income tax withholdings

The money that workers must pay to the tax office each month, i.e. the taxes for having a salary.

Withholdings vary from worker to worker:

  • Some of them must be applied by all employers, such as contingencies, unemployment, vocational training contributions, personal income tax, etc.
  • Others, however, depend on the personal circumstances of the individual worker: their marital status, whether they have children, whether they take care of people over 65, whether they have some form of disability, the type of contract they have, and so on.

4. Net amount payable

Your net salary, i.e. the exact amount that will be paid into your account.

Total earnings – Total deductions = Net amount payable

Líquido a percibir
Encuentra una cuenta a la altura de tu nómina

Now that you know all about your payslip, be sure to find an account that does it justice.

The Bankinter Salary Account, an interest-bearing account with which you will have two additional free accounts1 and one Combo Card included. In addition, if you open your Bankinter Salary Account online you can choose between a debit card or credit card3. It's very simple. During the online process we'll ask you which one you want.

And remember that you can also earn up to €680 for the first two years.

  • No fees
  • Cash withdrawals on debit and free transfers.
  • Remuneration of up to 5% AER2 during the first year and up to 2% AER during the second year.

Maximum interest-bearing balance: €10,000. Up to 40,000 accounts.

And we take care of moving your account to us, to save you the hassle!

Youth salary account

Are you aged between 18 and 30?

Then Bankinter's Youth Salary Account is for you. Have your salary paid directly into your account to earn exclusive benefits tailored to you.

Discover them here
Cuenta nómina joven

And in case you have any lingering doubts,

here we answer the most commonly asked questions: