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Only for the accounts
2 additional accounts for anything you need and with whoever you want
To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.
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:
1st year:
Annual NIR 4.94% (AER 5%)
1st six months: €121.81
2nd six months: €121.81
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €49.074th six months: €49.07
Total
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341,76€
No salary but plenty of advantages.
2 cuentas gratis adicionales
Para poder disfrutar de ellas, lo único que has de hacer es abrir una cuenta No-nómina. Tan fácil como eso.
Combo Card2
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.
Alert service
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...
What are the terms and conditions? These are as follows:
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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...
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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.
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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.
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.
The same customer can only be the owner of one interest-bearing account and two bonus current accounts, for example, any that do not have a maintenance fee or that have cards with special conditions associated with them.
You can choose from more than 17,000 ATMs for free debit card cash withdrawals.
- Bankinter
- Deutsche Bank
- Euro Automatic Cash
- Grupo Cajamar
- Banca March
- Grupo Cajas Rurales
- Laboral Kutxa Bank
- Targo Bank
- Euronet
Now from EURO 6000 banks as well:
CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja.
Find branches and ATMs
Would you like us to help you arrange your non-salary account? Call us on 91 050 01 28, or if you prefer ...
More Bankinter, more reasons to take into account.
Bizum: send and receive money from your mobile for free.
How? It's so easy, the only requirement is that both the sender and the recipient have registered for Bizum. You can receive and send from €0.50 to €1,000.Compra Smart
With Compra Smart you can convert your bigger purchases into smaller ones by spreading the cost over one or several purchases: no paperwork, all online and from €150.Smart Cash
Need some temporary liquidity in your account? With Smart Cash you can transfer funds from your credit card to your current account.Plus
Discover and compare all our accounts
Find the account that best suits your needs, type of work and income.What are the terms and conditions of the Salary Account?
If you're looking for a fee-free account that gives you a return on your money, our Salary Account is for you. Any questions? We're here to answer them!How do I open a Salary Account?
Open your fee-free Salary Account in 5 easy steps. And get up to €340 the first two years!See FAQs FAQs
What does the two free accounts promotion consist of?
Customers who are holders of a new Salary, Pension, Business, Non-Salary or Youth Salary account are entitled to hold up to two current accounts without a maintenance fee.
What requirements do I have to meet to benefit from this promotion?
Open a new Salary, Pension, Business, Non-Salary or Youth Salary account, whether you are new customer or an existing customer of the Bank.
Is this promotion compatible with all the other benefits of the Salary, Pension, Business, Non-Salary or Youth Salary account?
Yes, they are compatible with the possible remuneration and all the other benefits of the Salary, Pension, Business, Non-Salary or Youth Salary account that qualify for the €0 maintenance fee and free credit card.
What happens if I cancel the account or stop meeting the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account?
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.
Do the holders of the Salary, Pension, Business, Non-Salary or Youth Salary accounts have to be same as the holders of the current accounts?
No, the only requirement is that the customer is a holder in all of them.
What do I have to do with my direct debits?
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, 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, 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 Payroll Account open a non-Payroll Account?
Always, providing they meet the requirements of both accounts, up to a maximum of two (two Payroll Accounts or one Payroll Account plus one non-Payroll 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 Payroll, 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 payroll/pension/Business Account + one non-salary account or two non-payroll 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 means a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fees. This limit will also apply to any other interest-bearing or bonus account, or account with special conditions, that Bankinter may offer in the future.
Important information
- See list of the typical services linked to a payment account
- Non-Salary Account Fee Information Document
- VIEW NON-salary ACCOUNT PRE-CONTRACT FACTSHEET
- See general terms and conditions for current accounts
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Show/Hide legal text1
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 30/06/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text2 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.
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