1 /6
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 of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.

NON-PAYROLL ACCOUNT

You don’t need a salary to get a return on the balance in your account

Even without a regular income you can still enjoy a return on your money, pay no fees and get a free credit card.
  • No fees
Up to 5% APR the first year1 and up to 2% APR the second year. The maximum interest-bearing balance is €5,000 the first year.1 The maximum interest-bearing balance is €5,000

No salary but
plenty of advantages.

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See Non-payroll account terms and conditions Non-payroll account terms and conditions

Non-payroll account terms and conditions

The remuneration on the non-payroll account is a nominal rate of 4.94% in the first year (5% APR). During the second year, the nominal remuneration will be 1.99% (2% APR). The APR has been calculated considering that there is no commission for the non-payroll account. The amount resulting from each half-yearly settlement will be subject to the withholding percentage stipulated in tax regulations, as it is treated as a capital gain.

The maximum daily balance that can be remunerated is €5,000.

The account will begin to be remunerated as soon as it is opened, with six-monthly settlements from then onwards.

Up to two free credit cards (principal and beneficiary) may be associated with the account.

A single person may hold a maximum of two non-payroll accounts or a non-payroll account and a Payroll, Pension or Business Account.

Requirements to enjoy the advantages of the promotion

Open a Bankinter non-payroll account during the promotion period. You must be an individual, resident in Spain, who does not have, or has not previously had accounts with Bankinter, either on your own or jointly. You must therefore be a new customer. The customer registration and opening of the non-payroll account must be simultaneous.

Credit cards: in order to use the free credit cards, the non-payroll account must receive a minimum accumulated amount of €633 from transfers, cheques or cash being paid in, or transfers from other banks through SEPA direct debits, within two months of being arranged. The cards can be issued once this requirement has been met. The credit card of the holder and the beneficiary, where appropriate, associated with the non-payroll account must be used for minimum individual or joint spending of €3,000 in any 12-month period. This does not include cash withdrawals. The first check will be carried out 12 months after the account is opened. After this, checks will be carried out each month on the spending in the previous 12 months.

Bills: there must have been at least ten bill payments from the account in the last quarter. Check will be carried out every month on the payments in the previous three months.

See FAQs FAQs

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 fee2 from more than 14,000 ATMs, including those of Bankinter, red Euro 6000, Banco Popular, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Banca March, Targo Bank and Euro Automatic Cash.

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-payroll 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-payroll 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 is understood as a current account with special financial conditions, such as free credit cards and no fees. 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.

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