Fee-free salary account

The remuneration on the Salary Account is a nominal rate of 4.94% in the first year (5% APR). During the second year, the nominal remuneration will be 1.99% (2% APR). This APR has been calculated considering that there are no fees for Salary Account. The amount resulting from each half-yearly settlement will be subject to the withholding percentage stipulated in tax regulations, as it is treated as a capital gain.

The maximum daily balance to be remunerated will not exceed €5,000, regardless of whether there is more than one salary in the same account.

The account will begin to be remunerated when the first entry of a salary amount equal to or greater than that declared in the application is registered.

Open a Salary Account with Bankinter during the promotion period. You must be an individual, resident in Spain, who does not have, or has not previously had accounts with Bankinter, either on your own or jointly. You must therefore be a new customer. These accounts must be opened simultaneously with the registration of the customer.

Register as a customer and open your Salary Account before the end of the promotion period.

Your salary income must be equal to or greater than €1,000 net per month.

You must pay at least three bills by direct deposit in the quarter through your Salary Account.

The time limit for making the first deposit is two months from the moment you open your Salary Account. If there is no income after this time, the account will cease to be considered a Salary Account and will lose the associated advantages, products and services.

This offer is not available to Bankinter Group employees and agents.

Salary Account income shall include deposits by cheque or transfers where the issuer or sender are not the account holder. Cash income is not taken into account and the sum of income is not accepted.

Every month, your Salary Account must receive at least one payroll payment for an amount equal to or greater than that declared at the time of arranging the account.

The card of the holder(s) who deposits the salary associated with the Salary Account must be active, i.e. used to make at least three payment transactions in the quarter.

Photocopy of the tax ID number (NIF) of the owners of the account.

Photocopy of the last salary.

Very little. You just have to provide us with a copy of each of them and sign the authorisation document to change the direct debit. The bank will take care of the rest. You can do this in any of our branches or using Telephone Banking, by providing us with the data: 902 13 23 13

You can withdraw cash from your account without a fee¹ from more than 14,000 ATMs, including all those of 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.

Yes, you can request one at no charge.

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 as a current account that has special financial conditions such as free credit cards and no fees. This limit also applies to any other interest-bearing or subsidised account, or account with special conditions, that Bankinter might offer in future.