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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 per institution.


At Bankinter we make your money work for you.

It is called Non-Salary because you will not need a salary or regular income to have an interest-bearing account. This no-fee account bears interest and comes with a card and services that will make managing your day-to-day finances easier.

  • The non-salary account that gives you up to €680 and two other free accounts1.
  • Promotion valid until - or until 40,000 accounts have been opened.
  • You can have up to two additional current accounts without a maintenance fee (0% NIR, 0% APR).
the first year and up to 2% AER the second year. Maximum interest-bearing balance €10,000in the first year1. Maximum
interest-bearing balance: €10,000.

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 €10,000 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: €243.62 2nd six months: €243.62
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €98.144th six months: €98.14

No salary but plenty of advantages.

cuentas remuneradas sin comisiones

2 additional free accounts

All you have to do is open a Non-salary account to enjoy them. It's as easy as that.

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:

  • 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.
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

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


Discover and compare all our accounts

Find the account that best suits your needs, type of work and income.
compare accounts

How does our account yield interest?

We answer all your questions on our interest-bearing account. 
Account yields

How do I open an account?

Open a fee-free account in 5 easy steps. And get up to €680 the first two years!
How to open an account


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, Cashzone, 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.

Bankinter has the solution

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

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