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Advantages of the interest-bearing Digital Account
An online account at % AER
Content An online account at % AER- % AER EXAMPLE with no limit on the balance.
- Return guaranteed until 16 December 2027
- No fees or conditions.
- With your money always available.
- Fee-free debit card .
And with a debit card.
Content And with a debit card.You'll also get a debit card with no issuance and maintenance fees.
Other services
Content Other services- Free transfers.
- Bizum.
- Unlimited virtual cards.
- Free instant transfers.
Here's how your Digital Account works
You can choose from more than 18,000 ATMs for free debit card cash withdrawals.
- Bankinter
- Deutsche Bank
- Euro Automatic Cash
- Grupo Cajamar
- Banca March
- Grupo Cajas Rurales
- Laboral Kutxa Bank
- Euronet
Now from EURO 6000 banks as well:
And with the services of an online account that sets Bankinter apart as different type of bank.
- Free instant transfers: All online transfers within the EU are free and instant for individual customers.
- Transfers to ATMs: Send money to anyone you want so they can withdraw it from an ATM without the need to use a card.
- Multi-channel access: Choose which you prefer at each moment: bankinter.com, telephone banking, the Bankinter app or visit one of our branches. .
- Personal attention without an appointment: You can visit one of our branches at any time during normal business hours, with no need to make an appointment.
- Bizum: Use our app to pay with Bizum easily and quickly.
- Banking aggregator: You can check your positions at other banks from the Bankinter website.
Follow these steps to open your Digital Account.
- Click on OPEN ACCOUNT.
- Enter your name and email. We'll take you to download the Bankinter app.
- Open the app and select “I want to become a customer”.
- Complete the process and digitally sign the contract.
- Congratulations!
Your account will be open and operational in just a few minutes.
If for any reason you need to interrupt the process, you can always resume it at any time and from any device.
Switch to Bankinter
Want to bring your direct debits? Want to bring your account from another bank?
With our Switch to Bankinter service it's fast, easy and 100% online.
FAQs
What conditions must be met to qualify for the 2.50% AER return?
This is an account with no fees, no minimum term and no requirements. You don’t need to set up any direct debits or make specific payments each month. You just need to be a new Bankinter customer to open a Digital Account via bankinter.com and start enjoying all its advantages.
What do I need to open the account with Bankinter?
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.
What if I'm already a customer of Bankinter?
The Digital Account is for new customers only.
If you're already a customer, you have a wide range of products at your disposal: Accounts, deposits, loans, etc.
If you have any questions or would like more information, you can speak to your manager or visit our branches and we'll help you in person.
How often does the Online Account yield interest?
Every month, on the day after the date on which you opened your account, we will credit it with the amount you have earned. For example, if you opened your account on 25 March 2026, you will receive the interest earned on the 26th of each month. If that day falls on a weekend or a public holiday, the payment will be made on the next working day.
What does guaranteed return mean?
Return is guaranteed until -. Thereafter, the return on your account will be adjusted to the interest rate at the time.
Can there be two or more account holders?
Yes, there can be up to two account holders:
- To add a second account holder, you can invite another person to be a joint holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.
- If you'd like to open the account with three or more account holders, please call us on 900 816 833.
How can I open an account with a foreign ID number or foreign passport?
To open a Intelligent Digital Account with a foreign ID number (NIE), please call us on 900 816 833.
How much can you earn with the Digital Account?
Find out how much you could earn depending on the average balance you hold in your account. Interest is calculated using the current nominal interest rate and is credited monthly.
Remuneration based on the average balance in the account in each settlement period, without balance limit, at 2.96% NIR (3% AER). Remuneration guaranteed until 30.04.2027; subsequently according to prevailing rate. Gross annual remuneration has been calculated by applying 3% AER calculated for one year, assuming that the 2.96% NIR remains constant for 12 months.
¿Tienes dudas sobre la Cuenta Digital?
Do you like the Bankinter digital account?
We'd love to know your opinion so we can improve
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See list of the typical services linked to a payment account
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Versión disponible también en catalán, valenciano, euskera y gallego.
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Versión disponible también en catalán, valenciano, euskera y gallego.
Thank you , you are now one step closer to becoming a customer of Bankinter
Scan the QR code with your phone and continue the application process directly in the app by following these steps:
Download the app and continue the application process there by following these steps:
- I want to become a customer
- Start registration
