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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 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
Gross return.
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
-
341,76€

No salary but plenty of advantages.

cuentas remuneradas sin comisiones

Combo Card1

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...

Switch Service

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.

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

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.
Find out more

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.
Find out more

Smart Cash

Need some temporary liquidity in your account? With Smart Cash you can transfer funds from your credit card to your current account.
Find out more

Plus

Discover and compare all our accounts

Find the account that best suits your needs, type of work and income.
comparar cuentas

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!
Salary account terms and conditions

How do I open a Salary Account?

Open your fee-free Salary Account in 5 easy steps. And get up to €340 the first year!
How to open a Salary Account

Ver 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 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.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

More information
91 050 01 28
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