MANAGE OR REJECT COOKIES.
Only for the accounts
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
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.
So you know exactly what we are talking about, we will calculate and explain the maximum interest you could receive.
Example for a daily balance of €5,000 in the account, calculated for a settlement period of 180 days:
NIR - AER payment
Annual NIR 4.94% (AER 5%)
1st six months: €121.812nd six months: €121.81
Annual NIR 1.99% (AER 2%)
3rd six months: €49.074th six months: €49.07
No salary but plenty of advantages.
Enjoy our Combo Card with no issuance or maintenance fee. A card with two sides, so that you can decide how you want to pay at the time: everything at the end of the month, or little by little.
National and intra-EU transfers, free
All national and intra-EU transfers that you make in euros and through the website have no fees. You will not pay any fees for paying cheques into your account either.
Multichannel access to your account
As well as at our branches you can conduct enquiries and transactions on the website, on your phone or via telephone banking, which is just as secure but a lot faster.
A service that allows you to receive alerts on your mobile or by e-mail about activity in your account. You can tell us when you want us to notify you: income, debit, amount...
Before you can even think about “the hassle of switching banks”, you will already be with Bankinter. We have a service that allows you to transfer the products or bills that you have with other banks without even leaving your house: right here.
What are the terms and conditions? These are as follows:
Have ten bills directly debited per quarter
They do not need to be different issuers and it could be ten bills debited in the same month, four a month...whatever you like. The only requirement is that the ten bills be debited throughout each quarter. If you add them up you will probably get more than ten a quarter: telephone, electricity and gas bills, rent, school expenses, gym fee...
Keep your Combo Card active
In this case, active means making individual or joint purchases of at least €3,000 using the cards associated with the Non-Salary Account, during the last 12 months. This is probably a lot less than you usually pay with your card over 12 months.
You only need to fulfil this requirement for the first two months
To be eligible for a Combo card without issuance or maintenance fees, you must deposit a minimum of €633 in your Non-Salary Account during those first two months (no longer) and however you choose, by transfer, cash, cheque etc. Once you have met this requirement we will issue your new card.
Who can open a Bankinter Non-Salary Account?
New customers and customers who are not Bankinter Group employees or agents.
Bring us your salary
You must be an individual, resident in Spain and not have been the owner of any of our interest-bearing accounts in the 12 months prior to opening the account.
Customers may hold a maximum of two non-salary accounts or one non-salary account and one salary, pension or business account.
No salary but plenty of advantages.
You can choose from more than 17,000 ATMs for free debit card cash withdrawals.
Euro Automatic Cash
Grupo Cajas Rurales
Laboral Kutxa Bank
And now from EURO 6000 banks as well:
CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja, Liberbank Banco de Castilla-La Mancha, EspañaDuero
Would you like us to help you arrange your non-salary account? Call us on 91 050 01 28, or if you prefer ...
Very little. You just have to provide us with a copy of each of them and sign the authorisation document to change the direct debit. The bank will take care of the rest. The bills do not have to be from different issuers for the purposes of calculating the ten bills per quarter.
Can I withdraw cash with my card?
You can withdraw cash from your account without a fee3 from more than 17,000 ATMs, including those of Bankinter, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and España Duero.
Can a customer with a Salary Account open a non-salary account?
Always, providing they meet the requirements of both accounts, up to a maximum of two (two Salary Accounts or one Salary Account plus one Non-salary account). This limit will also apply to any other interest-bearing or subsidised account or account with other special conditions that Bankinter might offer in the future.
Does the card spending have to be with deferred payment?
It can be with either deferred payment or in cash, providing that an amount of at least €3,000 is reached by the card holder and/or beneficiary.
Can a customer with a Salary, Pension or Business Account open a non-salary account?
Yes, providing they meet the requirements of both accounts, up to a maximum of two, i.e. one Salary/Pension/Business Account + one non-salary account or two non-salary accounts. A customer may only be the holder of one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is understood as a current account with special financial conditions, such as credit cards with no issuance or maintenance fee. This limit will also apply to any other interest-bearing or subsidised account, or account with other special conditions, that Bankinter might offer in the future.
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.
Bankinter has the solution
Want to find out more about our accounts? Let's talk.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this
If you are self-employed, here is a little joy at last: an account with the same perks and conditions as everyone else