Advantages of the interest-bearing Digital Account
An online account at % AER
Content An online account at % AER- % AER EXAMPLE balances up to €100,000.
- 2.47% NIR guaranteed until 31/01/26
- No fees, no conditions.
- With your money always available.
- Comes with a debit card with no conditions.
- Take home €600 when you arrange for your salary to be paid directly into your account.
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.
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.
And how do I get the 600 euros for setting up my salary direct deposit?
Set up a direct debit for your salary of at least €850 during the first month after opening the account and maintain it for 12 months.
A monthly compliance review will be carried out, with €50 paid into your account each month for 12 months.
What qualifies as a salary or pension for the purposes of the promotion?
For the purposes of the promotion, a salary is defined as a recurring credit identified as such (payment of earnings in accordance with the coding established in the applicable banking regulations for this type of income). For the purposes of the promotion, a pension is defined as those contributory and supplementary pensions whose payment has been ordered by Social Security. In both cases (salary and pension), other income is excluded, such as transfers, cash deposits or any other credits not identified as salary or pension payments.
When will I receive the first payment?
The first payment will be made in the month following receipt of the first salary deposit, once compliance with all terms and conditions of the promotion has been verified.
Can I lose the salary cash bonus?
Yes. The bonus is credited monthly and will only be credited in months when your salary or pension is paid directly into the Digital Account. Otherwise, the amount corresponding to that month will not be credited, and it cannot be claimed retrospectively.
What happens if I stop having my salary paid into the account and then resume it later?
You can receive the bonus again in any months when you once again meet the salary deposit condition, provided this occurs within 12 months of opening the account. Months in which this condition is not met cannot be recovered.
When does the promotion end?
The promotion will be available until 20 July or until 8,000 accounts with salaries direct debited have been opened whichever comes first, at which point new sign-ups will no longer be available. The date of sign-up will be deemed to be the date on which the account is effectively registered in the system.
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?
Interest accrued on the account is paid monthly.
Every month, on the same date you opened your account, we'll deposit the amount you've earned. For example, if you opened your account on 25 March 2026, you'll receive payment of the interest generated on the 25th of each month.
What does guaranteed return mean?
The return of 2.47% NIR 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 multiple account holders:
- To add a second account holder, you can invite another person to be a co-holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.
- If you want to open the account with 3 or more holders, you will need to complete the contract from this link, instead of in the Bankinter app.
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.
¿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
