Interest-bearing salary account with no fees

Promotion valid for new customers and existing customers who meet the following conditions:

• Be a natural person (not a company) and live in Spain.
• Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
• Not have received interest on any of these accounts.
• Deposit a monthly salary of at least €800 net into the account.
• Make three payments with your new card every quarter.
• Set up at least three direct debits per quarter.

If the Salary Account isn't for you or you don't meet these conditions, you are sure to find another option that suits you in our range of accounts.

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.

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.

When you open your new account (whether a Salary, Non-Salary, Pension or Business Account), we also give you the option of opening two current accounts per holder, free of charge and with no maintenance fee.

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

• Download the Bankinter app and select “I want to become a customer”
• 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.

To begin opening your new online account, you'll need the following:

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

The process is online and you can do it whenever and wherever you want. Besides, you don't have to complete the procedure all in one go. You can always exit and come back to it later.

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.

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.

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.

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

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

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.

Yes, you can get interest if you meet the following conditions:

• Be a natural person (not a company) and live in Spain.
• Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
• Not having received remuneration for any of these accounts.
• 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.

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.

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.

The main difference is that Bankinter's interest-bearing bank account offers a return on the balance you hold, whereas a standard current account doesn't usually earn interest. It's the ideal choice if you want your money to work for you.

Because it combines a high return with zero operational costs. Opening an interest-bearing salary account unlocks exclusive services, a network of more than 17,000 ATMs, and the peace of mind of banking with a robust bank with no fine print.