Non-salary bank account

To open and get a return on the Non-Salary Account, you need to meet these conditions:

• Be a natural person (not a company) and live in Spain.
• Be a new customer, or if you are already a customer: not have held a Salary/Pension/Business/Non-Salary/Youth Salary account in the past year and not have received interest on it.
• Keep your new card active by spending at least €3,000 per year on purchases (spread out however you like, such as one expenditure of €3,000 or more or several expenditures throughout the year that add up to at least that amount).
• Pay 10 bills per quarter (all 10 in one month, 4 per month... whatever suits you best). They don't need to be from different issuers and we accept any bill: gym, rent, school, electricity, gas…

If this account is not for you or you don't meet these conditions, you will surely find another option in our offer that suits your circumstances and allows you to access another interest-bearing account with special services: Salary Account, Business Account, Pension Account, etc.

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.

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.

When you open your new account (whether a Salary, Non-Salary, Pension or Business Account), we also give you the option of opening two current accounts per holder, free of charge and with no maintenance fee.

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

• Download the Bankinter app and select “I want to become a customer”
• Fill out the form with your information: personal and employment details.
• Verify your identity using 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 for any reason you have to interrupt the process, you can always resume it at any time.

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.

To begin opening your new online account, you'll need the following:

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

The process is online and you can do it whenever and wherever you want. Besides, you don't have to complete the procedure all in one go. You can always exit and come back to it later.

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.

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.

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.

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.

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.

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.).

You can withdraw cash from your account without a fee from more than 17,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur, CECABANK, Cashzone, Caixa Ontinyent, Unicaja, Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

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.

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).

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.

Yes, you can get interest if you meet the following conditions:

• Be a natural person (not a company) and live in Spain.
• Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
• Not having received remuneration for any of these accounts.
• Pay a salary of at least €800 net into the account per month.
• Make three payments (any amount) with your new card per quarter.
• Set up at least three direct debits per quarter.