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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 per institution.
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You'll get a credit or debit card

You decide. Just open your account here, on the website, and choose whichever suits you best. Faster, easier.

No issuance or maintenance fee for Salary Account customers.3

And take a look at Paga Cómodo4, our new service where you choose how you want to pay for your current account transactions of more than €90.

I want a salary account

With everything you need for your everyday banking.

  • With two free accounts for whatever you need, and to open with whoever you want.
  • FREE national transfers in euros through the website and within the EU.
  • Configuration of alerts on your mobile.
  • Bizum and transfers to ATMs.
  • Enquiries and transactions through the website, mobile app, telephone banking and at branches.
  • Get an advance of your income.
  • Smart Cash: Transfer money from your credit card to your current account.
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You'll have more than 17,000 ATMs for fee-free debit-card withdrawals.

Bankinter, Deutsche Bank, Euro Automatic Cash, Grupo Cajamar, Banca March, Grupo Cajas Rurales, Laboral Kutxa Bank, Targo Bank, Euronet... And the entire EURO 6000 Network!

Find your nearest ATM.
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    Servicio cambia de banco Bankinter Servicio cambia de banco Bankinter

    And don't worry, we'll take care of the paperwork

    With our Switch to Bankinter service you can bring all the direct debits you have with other banks to your new account with us: from the comfort of your home.

    • We'll transfer the balance and cancel your old account.
    • Easy because we'll guide through each step and you'll always know the status of your requests.
    • And if you want to bring your funds, pension plans, etc., you can do it just as easily.
    I want a salary account

Calculate how much money you will get during the first two years after opening your account

Belong to an innovative bank, a bank you have always known.

Our branches remain open with our usual personal and personalised service.
Our cash desks are open from 08.30 to 14.00 for everything you need, the same as since 1965, with no need to make an appointment.
We remain committed to ensuring our branches remain accessible, so no one gets left out.

Would you like us to help you arrange your salary account? Call us on 91 050 01 28, or if you prefer ...

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Frequently asked questions

See What conditions do I need to meet to earn interest on the Salary Account? What conditions do I need to meet to earn interest on the Salary Account?

To open and get a return on the Salary Account, you need to meet these conditions:

  • Be a natural person (not a company) and live in Spain.
  • Be a new customer, or if you are already a customer: not have held a Salary/Pension/Business/Non-Salary/Youth Salary account in the past year and not have received interest on it.
  • Pay a salary of at least €800 net into the account per month.
  • Make three payments (any amount) with your new card per quarter.
  • Set up at least three direct debits per quarter.

If this account is not for you or you don't meet these conditions, you will surely find another option in our offer that suits your circumstances and allows you to access another interest-bearing account with special services: Non-Salary Account, Business Account, Pension Account, etc.

See What happens if I cancel the account or stop meeting the requirements of the salary? What happens if I cancel the account or stop meeting the requirements of the salary?

If you cancel the Salary, Pension, Business, Non-Salary or Youth Salary account, the accounts will no longer be treated as bonus accounts. You also need to continue to meet the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account at all times.

See How often does the account yield interest? How often does the account yield interest?

The payment will be made automatically every six months from the date you open the account. Remember, the maximum interest-bearing balance is €10,000€ and you will get 5% AER the first year and 2% AER the second year.

See ¿En qué consiste la promoción de dos cuentas gratis? ¿En qué consiste la promoción de dos cuentas gratis?

Al contratar tu nueva cuenta (ya sea Cuenta Nómina, No-Nómina , Pensión o Profesional) te damos la opción de abrir también 2 cuentas corrientes por titular, gratis y sin comisión de mantenimiento.

See How do I open an account with Bankinter? How do I open an account with Bankinter?

Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best.

  • Fill out the form with your information: personal and employment details.
  • Verify your identity using video identification.
  • Choose the type of account you want to open.
  • Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.

If for any reason you have to interrupt the process, you can always resume it at any time.

And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.

See What do I need to open the account with Bankinter? What do I need to open the account with Bankinter?

To start opening your new account online, you will need the following:

  • Your valid ID card
  • A Spanish mobile phone number (+34)
  • A mobile device with a camera (for video identification)

Remember, this is an online process so you can do it whenever and wherever you want. And if you have to interrupt the process for any reason, you can always resume it from where you left off.

See Can there be two account holders on the Payroll Account? Can there be two account holders on the Payroll Account?

Yes, there can be several account holders as long as at least one of them has their salary paid into the account.

  • To add a second account holder, you can invite another person to be a co-holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.
  • If you want to open the account with three or more holders, you will need to complete the application process through this link, instead of through the Bankinter app.

In order for all account holders to be able to access the benefits of the account, it is necessary to meet the account's specific requirements: direct deposit of a salary of €800 or more, 3 direct debit bill payments per quarter and keep the card active by making at least 3 transactions per quarter.

See How can I transfer my direct debit payments to my new account? How can I transfer my direct debit payments to my new account?

With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.

See Is the two free accounts promotion compatible with all the other account benefits? Is the two free accounts promotion compatible with all the other account benefits?

Yes, they are compatible with the possible interest payment and all the other benefits of the Salary, Non-Salary, Pension and Business accounts that qualify for the €0 maintenance fee and free credit card.

See How many bills do I need to pay through my Salary Account? How many bills do I need to pay through my Salary Account?

You only need to set up three direct debits from different issuers, payable per quarter. It could be electricity, rent, gas, school, residents' association... whatever you want.

See Can I withdraw cash with my card? Can I withdraw cash with my card?

You can withdraw cash from your account without a fee3 from more than 17,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, Cashzone, Caixa Ontiyent, Unicaja Banco S.A., Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

See What cards are associated with the Payroll Account? What cards are associated with the Payroll Account?

When you open your Bankinter Salary Account online, during the registration process you will be assigned a debit card or credit card, depending on your personal circumstances.

See I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter? I used to be a Bankinter customer but I'm not anymore. Will I still get interest if I open a new account with Bankinter?

Yes, you'll qualify for interest if you come back to Bankinter and open a new Salary/Pension/Business/Non-Salary/Youth Salary account.

See What happens after I've been getting interest for two years? What happens after I've been getting interest for two years?

Your account will yield interest in the first two years. After that, you won't get interest anymore but you will still get all the other benefits of the Salary Account. You'll keep your free card and the two additional current accounts included in the promotion, which you can open for free and add whoever you want as joint holder. We'll continue to waive fees for maintenance, cash withdrawals from our ATM network and debit transfers in Spain and the EU, so you'll still save around €70 per year.

See I'm an existing customer and I've had a Salary/Pension/Business/Non-Salary/Youth Salary account in the past. Will I still get interest if I open a new account with Bankinter? I'm an existing customer and I've had a Salary/Pension/Business/Non-Salary/Youth Salary account in the past. Will I still get interest if I open a new account with Bankinter?

Yes, but there are two conditions:

  • More than 12 months must have passed since you closed your Salary/Pension/Business/Non-Salary/Youth account.
  • You must never have received interest on those accounts.

Do you like the Bankinter salary account?

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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

Bankinter has the solution

Want to find out more about our accounts? Let's talk.
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Open your Salary Account here. A simple 5-step process, all online.

I WANT A SALARY ACCOUNT.

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