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No salary but plenty of advantages.
Combo card2
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
Free transfers
You won’t pay any fees on national transfers made through www.bankinter.com, or when you pay cheques into your account.
Worry-free service
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.

Combo card
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.
No salary but plenty of advantages.
Thinking about switching banks? Come to Bankinter and we'll help with all the arrangements
Account Transfer ServiceBizum: Instant payment service
Bizum: an easy and safe way to send and receive money through your mobile
Plus...
See 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.
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.
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.
See FAQs FAQs
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.
Important information
- See list of the typical services linked to a payment account
- Non-Salary Account Fee Information Document
- VIEW NON-salary ACCOUNT PRE-CONTRACT FACTSHEET
- See general terms and conditions for current accounts
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Show/Hide legal text1 Non-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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Show/Hide legal text2 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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Show/Hide legal text3 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.