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 of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.

Fee-free payroll account

Make a change for the better: bring your salary to Bankinter and go up a bank

  • No fees
  • No maintenance charges
Up to
the first year1 and up to 2% AER the second year. Maximum interest-bearing balance €5,000in the first year1. Maximum interest-bearing amount is €5,000.

Improve your salary with greater advantages

Tarjeta Única Bankinter

Combo card

The best card wherever you look

  • Two cards in the same piece of plastic
  • Combo 1: For your day-to-day shopping
  • Combo 2: For everything else
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A safe and simple way to send and receive funds through your mobile.

More services, more advantages

See Payroll Account terms and conditions Payroll Account terms and conditions

Terms and conditions of Payroll, Pension and Business Accounts

The remuneration on the Payroll 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 Payroll, Pension or Business Accounts. 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 payroll in the same account.

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

Requirements to enjoy the advantages of the promotion

Open a Payroll, Pension or Business 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 Payroll, Pension or Business Account before the end of the promotion period.

The payroll, professional or pension income received 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 Payroll, Pension or Business Account.

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

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

Additional requirements for the Payroll Account

Payroll 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 Payroll 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 or holders who deposit the payroll associated with the Payroll Account must be active, i.e. used to make at least three payment transactions in the quarter.

Additional requirements for the Pension Account

Pension income is considered valid if it is received by cheque or transfer, but not if it comes from the account holder. Cash income is not taken into account and the sum of the pensions is accepted.

Additional requirements for the Business Account

Income in the form of cheques, transfers, remittances and POS sales is considered to be valid income for the Business Account. Cash income is not taken into account and the sum of income is accepted.

Cards of account holders who receive business income associated with the Business Account must be active, i.e. used to make at least three payment transactions in the quarter.


What documentation do I need to open my Payroll Account?

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

Photocopy of the last payroll.

What do I have to do to move my direct debits to my new account?

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

Can I withdraw cash with my card?

You can withdraw cash from your account without a fee2 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.

Can I have a cheque book?

Yes, you can request one at no charge.

Can a customer have more than one Payroll Account?

Yes, if you meet the requirements of both accounts, up to a maximum of two Payroll 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 Payroll Account + a Non-Payroll 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.

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