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Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor.

Fee-free salary account

Get up to €340 the first two years. And no fees.

Up to
the first year1 and up to 2% AER the second year. Maximum interest-bearing balance €5,000in the first year1. The maximum interest-bearing amount is €5,000.

Improve your salary with greater advantages

Combo 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.3

Switch 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, or when you pay cheques into your account.

Tarjeta Combo

Combo card

A great card whichever way you look at it.

Join us

This offer will be available until 31 July 2021. Offer valid until 40,000 new accounts have been opened.
I want a salary account

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

Free 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.


More services, more advantages


How do I open a Salary Account?

Open your Salary Account in 5 easy steps online, from our website.
Steps to open my account

Discover and compare all our accounts

Find the account that best suits your needs, type of work and income.
Compare accounts

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.
Find out more about account faqs

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.


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.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

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