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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.

FREE-FREE NON-SALARY ACCOUNT

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).
NON-SALARY ACCOUNT
To
5%AER
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, pay bills... to organise your finances however you want. You can open these two accounts with whoever you want: just for you, with your partner, with your children, with your grandchildren or with 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
Total
-
683,52€

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 living in Spain and you cannot have held any of our interest-bearing accounts in the 12 months before 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

Plus

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

FAQs

See ¿Qué condiciones hay que cumplir para disfrutar de la remuneración de la Cuenta No-Nómina? ¿Qué condiciones hay que cumplir para disfrutar de la remuneración de la Cuenta No-Nómina?

Para abrir y disfrutar de la rentabilidad de la Cuenta No-Nómina es necesario:

  • Ser una persona física y residir en España.
  • Ser nuevo cliente, o si ya eres cliente: No haber recibido remuneración ni haber sido titular de una Cuenta Nómina/Pensión/Profesional/No Nómina/Nómina Joven durante el último año.
  • Mantener activa tu nueva tarjeta, con un gasto mínimo de 3.000€ al año en compras (repartido como tú quieras, puede ser un gasto de 3.000€ o más, o varios gastos a lo largo del año que sumen al menos esa cifra).
  • Pagar diez recibos al trimestre (pueden ser los diez en un mes, cuatro al mes… cómo tú quieras). No es necesario que sean distintos emisores y aceptamos cualquier recibo: gimnasio, alquiler, colegio, luz, gas…

Si esta cuenta no es para ti o no cumples estas condiciones, seguro que encuentras otra opción en nuestra oferta que se adapte a tu situación y que te permita acceder a otra cuenta, también remunerada y con servicios especiales: Cuenta Nómina, Cuenta Profesional, Cuenta Pensión, etc.

See What happens if I cancel the account or stop meeting the requirements of the salary? What happens if I cancel the account or stop meeting the requirements of the salary?

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.

See How often does the account yield interest? How often does the account yield interest?

The payment will be made automatically every six months from the date you open the account. Remember, the maximum interest-bearing balance is €10,000€ and you will get 5% AER the first year and 2% AER the second year.

See ¿En qué consiste la promoción de dos cuentas gratis? ¿En qué consiste la promoción de dos cuentas gratis?

Al contratar tu nueva cuenta (ya sea Cuenta Nómina, No-Nómina , Pensión o Profesional) te damos la opción de abrir también 2 cuentas corrientes por titular, gratis y sin comisión de mantenimiento.

See How do I open an account with Bankinter? How do I open an account with Bankinter?

Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best.

  • Select the number of account holders and, depending on the number indicated, you will continue the process through the Bankinter website or app.
  • Provide information about yourself: personal and employment details.
  • Verify your identity through video identification.
  • Choose the type of account you want to open.
  • Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.

If you have to interrupt the process for any reason, you can resume it whenever you want.

And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.

See What do I need to open the account with Bankinter? What do I need to open the account with Bankinter?

To start opening your new account online, you will need the following:

  • Your valid ID card
  • A Spanish mobile phone number (+34)
  • A mobile device with a camera (for video identification)

Remember, this is an online process so you can do it whenever and wherever you want. And if you have to interrupt the process for any reason, you can always resume it from where you left off.

See I'm an existing customer and I've had a Salary/Pension/Business/Non-Salary/Youth Salary account in the past. Will I still get interest if I open a new account with Bankinter? I'm an existing customer and I've had a Salary/Pension/Business/Non-Salary/Youth Salary account in the past. Will I still get interest if I open a new account with Bankinter?

Yes, but there are two conditions:

  • More than 12 months must have passed since you closed your Salary/Pension/Business/Non-Salary/Youth account.
  • You must never have received interest on those accounts.

See Can a customer with a Payroll, Pension or Business Account open a non-salary account? 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. a Salary/Pension/Business account + a Non-Salary account; or two Non-Salary accounts. Customers may only hold one interest-bearing account and a maximum of two discount-bearing current accounts.

For these purposes, an interest-bearing current account means a current account with 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.

See Can a Non-Salary account have two holders? Can a Non-Salary account have two holders?

Yes, the Non-Salary account can have two holders. However, you have to meet certain conditions for both account holders to access the benefits of the account: you have to deposit at least €633 in the first two months, you have to set up 10 direct debits per quarter, and you have to spend at least €3,000 per year with your card for it to remain active.

See How can I transfer my direct debit payments to my new account? How can I transfer my direct debit payments to my new account?

With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.

See Is the two free accounts promotion compatible with all the other account benefits? Is the two free accounts promotion compatible with all the other account benefits?

Yes, they are compatible with the possible interest payment and all the other benefits of the Salary, Non-Salary, Pension and Business accounts that qualify for the €0 maintenance fee and free credit card.

See How many direct debits to I need to set up in my Non-Salary account? How many direct debits to I need to set up in my Non-Salary account?

You will need to set up 10 direct debits per quarter. It could be electricity, rent, gas, school, residents' association... whatever you want. The issuers don't all have to be different and you can organise the payments however you want (ten per month, four per month, etc.).

See Can I withdraw cash with my card? 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, Unicaja Banco S.A., Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

See What cards are associated with the Payroll Account? What cards are associated with the Payroll Account?

When you open your Bankinter Salary Account online, during the registration process you will be assigned a debit card or credit card, depending on your personal circumstances.

See What do I have to do to keep the credit card or debit card linked to my Non-Salary account? What do I have to do to keep the credit card or debit card linked to my Non-Salary account?

To get and keep your card you, will have to deposit at least €633 into your Non-Salary account during the first two months. You can do this any way you like (transfer, cash, cheque).

See What happens after I've been getting interest for two years? What happens after I've been getting interest for two years?

Your account will yield interest in the first two years. After that, you won't get interest anymore but you will still get all the other benefits of the Salary Account. You'll keep your free card and the two additional current accounts included in the promotion, which you can open for free and add whoever you want as joint holder. We'll continue to waive fees for maintenance, cash withdrawals from our ATM network and debit transfers in Spain and the EU, so you'll still save around €70 per year.

See I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter? I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter?

Yes, you'll qualify for interest if you come back to Bankinter and open a new Salary/Pension/Business/Non-Salary/Youth Salary account.

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