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Only for the accounts
2 additional accounts for anything you need and with whoever you want
To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.
So you know exactly what we are talking about, we will calculate and explain the maximum interest you could receive.
Example for a daily balance of €5,000 in the account, calculated for a settlement period of 180 days:
1st year:
Annual NIR 4.94% (AER 5%)
1st six months: €121.81
2nd six months: €121.81
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €49.074th six months: €49.07
Total
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341,76€
Improve your salary with better advantages.
2 additional free accounts
All you have to do is open a Salary account to enjoy them. It's as easy as that.
Combo Card2
Enjoy our Combo Card with no issuance or maintenance fee. A card with two sides, so that you can decide how you want to pay at the time: everything at the end of the month, or little by little.
National and intra-EU transfers, free
All national and intra-EU transfers that you make in euros and through the website have no fees. You will not pay any fees for paying cheques into your account either.
Multichannel access to your account
As well as at our branches you can conduct enquiries and transactions on the website, on your phone or via telephone banking, which is just as secure but a lot faster.
Alert service
A service that allows you to receive alerts on your mobile or by e-mail about activity in your account. You can tell us when you want us to notify you: income, debit, amount...
Opening a Bankinter Salary account is easy: we’ll move all your direct debits for you.
A no-fee account with few conditions. These are as follows:
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Have your salary paid directly into your account (minimum €800/month)
You have three months to make the first deposit, equal to or greater than the one you declared as your salary when you opened the account. Once we receive the first deposit, your Salary Account will start bearing interest.
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Have three bills debited from your account each quarter
They do not need to have different issuers or take place during the same month. It can be one bill every month or, for example, three bills in one month and none the next two months.
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Make 3 payments per quarter using your Combo Card
Yes, that's right, per quarter and with no minimum amount. You can use either side of your card.
Opening a Bankinter Salary account is easy: we’ll move all your direct debits for you.
Bank switching service
Before you can even think about “the hassle of switching banks”, you will already be with Bankinter.
Because we have a free and special service for that purpose: the bank switching service. It is a simple way of transferring the products or bills that you have with other entities.
- Online.
- No paperwork.
- No arrangements to make with your other banks.
Who can open a Bankinter Salary Account?
Existing and new customers with a minimum salary income of €800/month, who are not employees or collaborating agents of the Bankinter Group.
You must be an individual, resident in Spain and not have been the owner of any of our interest-bearing accounts in the 12 months prior to opening the account.
The same customer can only be the owner of one interest-bearing account and two bonus current accounts, for example, any that do not have a maintenance fee or that have cards with special conditions associated with them.
Opening a Bankinter Payroll account is easier than ever:
you can do everything online. No queues, no paperwork!
You can choose from more than 17,000 ATMs for free debit card cash withdrawals.
- Bankinter
- Deutsche Bank
- Euro Automatic Cash
- Grupo Cajamar
- Banca March
- Grupo Cajas Rurales
- Laboral Kutxa Bank
- Targo Bank
- Euronet
Now from EURO 6000 banks as well:
CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja.
Find branches and ATMs
More Bankinter, more reasons to take into account.
Bizum: send and receive money from your mobile for free.
How? It's so easy, the only requirement is that both the sender and the recipient have registered for Bizum. You can receive and send from €0.50 to €1,000.Transfers to ATMs
A service that allows you can send money to anyone you want so that they can withdraw it at ATMs without using any card.Smart Cash
Need some temporary liquidity in your account? With Smart Cash you can transfer funds from your credit card to your current account.Plus
How do I open a Salary Account?
Open your Salary Account in 5 easy steps online, from our website.Discover and compare all our accounts
Find the account that best suits your needs, type of work and income.How does the Salary Account yield interest?
Find out about how the Salary Account yields interest and how to earn up to €340Would you like us to help you arrange your salary account? Call us on 91 050 01 28, or if you prefer ...
See FAQs FAQs
What documentation do I need to open my Salary Account?
Your valid identity document.
Your last payslip or tax return.
What do I have to do to move my direct debits to my new account?
Very little because we have direct debit management service. You'll be able to set up direct debits for your bills in less than three minutes from any device, without having to visit your branch. It's that easy.
Can I withdraw cash with my card?
You can withdraw cash from your account without a fee1 from more than 14,000 ATMs, In all: Bankinter, red Euro 6000, Banco Popular, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Banca March, Targo Bank and Euro Automatic Cash.
Can I have a cheque book?
Yes, you can request one at no charge.
Can a customer have more than one Salary Account?
Yes, if you meet the requirements of both accounts, up to a maximum of two Salary Accounts (the account holder who makes the payment must be reported; they can only be reported in one account as the account holder making the payment) or a Salary Account + a Non-Salary Account. 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 to be a current account that has special financial conditions such as free credit cards and no 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.
Useful information
- See list of the typical services linked to a payment account
- Salary Account Fee Information Document
- VIEW Salary ACCOUNT PRE-CONTRACT FACTSHEET
- See general terms and conditions for current accounts
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Show/Hide legal text1
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 31/12/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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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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