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1 /6
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
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.

No fees but lots of perks. Our Salary Account is linked to a wide range of services to make your everyday banking and finances much easier. And to give you back some of your valuable time.

  • We know that good things don't last forever, so you will have to hurry: the promotion ends on 31.12.2021 or when 40,000 new accounts have been opened. Sound a lot? Not at all.
the first year and up to 2% AER the second year. Maximum interest-bearing balance €5,000in the first year1. The maximum interest-bearing balance is €5,000.

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:
NIR - AER payment
Gross return.
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

Improve your salary with better advantages.

cuentas remuneradas sin comisiones

Combo Card1

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...

An advance to tide you over

We already know that not every month is the same: unexpected expenses, buying yourself treats.... That is why, if you need to, you can ask for an advance on the net monthly amount of your salary that is directly paid into your account.

A no-fee account with few conditions. These are as follows:

  • 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.

  • 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.

  • 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.

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?

Don't miss out

Existing and new customers with a minimum salary income of €800/month, who are not employees or collaborating agents of the Bankinter Group.

Bring us your salary

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.

Set up three direct debits

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.

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

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.
Find out more

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.
Find out more

Smart Cash

Need some temporary liquidity in your account? With Smart Cash you can transfer funds from your credit card to your current account.
Find out more


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


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.

More information
91 050 01 28
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