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.
FREE-FREE NON-SALARY ACCOUNT
Get up to €340 the first two years. And no fees.
If you don't have a regular income you can still earn a return on your money, not pay any fees and get a credit card with no issuance or maintenance fee.
You need to pay at least ten direct debits per quarter.
Offer valid until 5,000 new accounts have been opened.
Up to 5%AER1the first year and up to 2% AER the second year. The maximum interest-bearing balance is €5,000the first year. The maximum interest-bearing balance is €5,000.
No salary but plenty of advantages.
Enjoy our Combo card for free. You'll be able to withdraw cash from your account without a fee at more than 17,000 ATMs.3
You won’t pay any fees on national transfers made through www.bankinter.com, or when you pay cheques into your account.
If you're thinking about the hassle involved in moving your account, there's no need to worry—Bankinter will change all your direct debits for you.
A great card whichever way you look at it.
Two cards in one.2
Combo 1: Use it for your day-to-day purchases and pay at the end of the month.
Combo 2: Use it to buy now and pay in comfortable instalments.
Non-salary account terms and conditions
Non-salary account terms and conditions
Non-salary account terms and conditions
The interest paid into the non-salary account is a nominal rate of 4.94% in the first year (5% AER). During the second year, the nominal interest will be 1.99% (2% AER). The AER has been calculated on the basis that there are no fees with the non-salary account. The amount resulting from each half-yearly settlement is treated as a capital gain and is therefore subject to the withholding percentage stipulated in the applicable tax regulations.
The maximum daily balance that can be remunerated is €5,000.
The account will start to bear interest as soon as you open it with settlements every six months from then onwards.
This account comes with one free credit card (main card only, no beneficiary card).
Customers may hold a maximum of two non-salary accounts or one non-salary account and one salary, pension or business account.
Eligibility for the promotion perks
Always open a non-salary account within the promotion dates. You must be an individual living in Spain, you may not have previously benefited from this remuneration, and you may not have held a salary/pension/business account at Bankinter in the 12 months before opening this new account.
Credit cards: To qualify for credit cards with no issuance or maintenance fee, a minimum accumulated amount of €633 from transfers, cheques or cash must be paid into the non-salary account, or SEPA direct debits from other banks must be received, within two months of opening the account. The cards will be issued once this requirement has been met. Credit cards with no issuance or maintenance fee linked to the non-salary account, whether of the holder or a beneficiary, must be used for individual or joint purchases of at least €3,000 euros per 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: You must pay at least 10 bills per quarter by direct debit from your account. Checks will be carried out every month on the payments in the previous three months.
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.
1Non-Salary 5%: Promotion valid until 30/06/2021 or for the first 5,000 new accounts. Open to new and existing individual customers who live in Spain, have not previously benefited from this remuneration and have not held a Non-Salary account at Bankinter in the 12 months before opening this new account. A customer may only hold 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 fee and no account fees. The maximum interest-bearing balance is €5,000. First year: nominal annual interest rate of 4.94% (5% AER). Second year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €5,000 in a Non-Salary account, calculated for an interest payment period of 180 days (gross return): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. AER calculated on the basis that the Non-Salary account does not have any maintenance or administration fees and that the balance is maintained for a full year. To access and keep the advantages of our non-salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.
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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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Bankinter will not charge you any fees for debit cash withdrawals, regardless of the amount withdrawn, provided that you use a Bankinter ATM or an ATM belonging to any of the following banks: 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.
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