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Only for the accounts
Improve your salary with greater advantages
Open your Salary Account with us
I WANT A SALARY ACCOUNTCombo Card2
Enjoy our Combo Card with no issuance or maintenance fee. You'll be able to withdraw cash from your account without a fee at more than 17,000 ATMs.3Switch Service
Want to bring all your accounts or direct debits to Bankinter? Do it in the most convenient way:
- Without visiting your branch
- On any device
Free transfers
You won’t pay any fees on national transfers made through www.bankinter.com, or when you pay cheques into your account.
Combo card
A great card whichever way you look at it.
Opening a Bankinter Salary account is easy: we’ll move all your direct debits for you.
I want a salary accountJoin us
This offer will be available until 30 June 2021. Offer valid until 40,000 new accounts have been opened.Bring us your salary
You must have a monthly income of at least €800. If that's not your case, we recommend that you apply for our Non-Salary account.Set up three direct debits
We'll change all your direct debits for you. All you need to do is set up at least three per quarter.
Bizum: Instant payment service
Bizum: an easy and safe way to send and receive money through your mobile
Opening a Bankinter Salary account is easier than ever: you can do everything online. No queues, no paperwork!
I want a salary accountFree cash withdrawals
You'll be able to withdraw cash from your account without a fee2 from more than 17,000 ATMs: all those of Bankinter and the whole EURO 6000 network, plus Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash ATMs and Euronet.
Open our app to find your nearest free ATM.
Thinking about switching banks? Come to Bankinter and we'll help with all the arrangements
Account Transfer ServiceOpening a Bankinter Salary account is easier than ever: you can do everything online. No queues, no paperwork!
I want a Salary accountMore services, more advantages
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.Can the salary account have two holders?
Want to share your Salary Account? No problem: the Bankinter Salary Account can have two holders. Find out all the details here.See Salary account terms and conditions Salary account terms and conditions
Salary account terms and conditions
The interest paid into the 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 salary account. The amount resulting from each half-yearly settlement will be subject to the withholding percentage stipulated in tax regulations since it is treated as a capital gain.
The maximum daily balance that bears interest cannot exceed €5,000, regardless of whether more than one salary is paid into the account.
The account will start to bear interest as soon as the first salary is received for an amount equal to or greater than the amount declared on the account application form.
Eligibility for the promotion perks
Always open a salary account within the promotion dates. You must be an individual living in Spain with a monthly salary of least €800, 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.
Register as a customer and open your salary account before the end of the promotion period.
You need to set up at least three direct debits per quarter in your salary account.
The deadline for receiving the first deposit is three months from the date you open your salary account. Otherwise the account will not be treated as a salary account and you will lose the related perks, products and services.
This promotion is not available to Bankinter Group employees and agents.
Salary income refers to deposits by cheque or transfer where the issuer or sender is not the account holder. Cash deposits are not taken into account and the sum of the total deposits is not valid for these purposes.
Every month you must receive at least one salary payment in your salary account and the amount must be equal to or greater than the amount declared when you opened the account.
The card of the holder or holders who receive the salary linked to the salary account must be active, i.e. it must be used for at least three payments per quarter.
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.
Important 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 Salary 5%: Promotion valid until 30/06/2021 or until a maximum of 40,000 new accounts have been opened for new customers and existing customers with a monthly salary of at least €800 which is not currently paid into Bankinter, who live in Spain, who have not previously benefited from this remuneration at any time, and who have not held a Salary/Pension/Business 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 in the Salary account of €5,000, calculated for a settlement 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. To unlock and keep the perks of our Salary account, you need to maintain the declared level of income and pay at least three direct debits per quarter. The card linked to the account must also be active, which means that you have to use it at least three times per quarter. You have three months from opening the salary account to make your first deposit, which must be at least the amount declared as your income (cash deposits are not acceptable for this purpose).
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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.
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