FREE-FREE NON-SALARY ACCOUNT

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.

Up to two credit cards with no issuance or maintenance fee (principal and beneficiary) may be linked to this account.

Customers may hold a maximum of two non-salary accounts or one non-salary account and one salary, pension or business account.

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.

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.

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.

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.

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.

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.