Interest-bearing salary account with no fees
At Bankinter we make your money work for you.
- The only1 salary account that gives you up to €680.
- With all the free services that make your daily life easier.
- Debit or credit card if you open the account online3.
- More than 17,000 ATMs for free debit-card cash withdrawals.
You'll get a credit or debit card
Simply open your account here, on the website. Faster, easier.
No issuance or maintenance fee for Salary Account customers.3
And discover Paga Cómodo4, our new service where you choose how you want to pay for your current account transactions over €90.
With everything you need for your everyday banking.
- With two free accounts for whatever you need, and to open with whoever you want.
- Free immediate transfers for individuals, via the web, 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.
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!
It's very easy to start enjoying the Salary Account.
Remember, you must be an individual living in Spain and you may not have held one of our interest-bearing accounts in the past 12 months.
The customer may only be the owner of one interest bearing account and two bonus accounts, those that, for example, do not have a maintenance fee or which have cards with special conditions.
Still have doubts?
Have your salary paid directly into your account (minimum €800/month)
Make three payments per quarter with your card4
Make three charges per deposit per quarter
We calculate the maximum interest you could earn.
Example for a daily balance of €10,000, calculated for a settlement period of 180 days.
You will get up to €683.52 the first two years. And no fees.
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And don't worry, we'll take care of the paperwork
I want a salary accountWith 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.
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.
Would you like us to help you arrange your salary account? Call us on 91 050 01 28, or if you prefer ...
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?
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 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.
If this account isn't for you or you don't meet these conditions, you are sure to find another option in our offering that suits your situation.
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 will I receive the yield from the 5% interest-bearing account? How often will I receive the yield from the 5% interest-bearing account?
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
- 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.
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, 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 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.
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?
We'd love to know your opinion so we can improve
Important information
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Show/Hide legal text1 Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text2 If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until - for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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Show/Hide legal text3 If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Show/Hide legal text4 Repayment term of 4 to 37 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ("“revolving”"), credit card bills with the end-of-month payment method and that include a Compra Smart purchase, bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments. Service subject to approval if your financial situation has changed on the day you apply for it.
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Show/Hide legal text5 Cards issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment institution with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España under number 8832, with registered office at 12 Avda. de Bruselas, 28108 Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with Tax ID Number A82650672.
- See list of the typical services linked to a payment account
- Salary Account Fee Information Document
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
- VIEW Salary ACCOUNT PRE-CONTRACT FACTSHEET
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
- See general terms and conditions for current accounts
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
Thank you, you are now one step closer to becoming a customer of Bankinter
Scan the QR code with your phone and continue the application process directly in the app by following these steps:
Download the app and continue the application process there by following these steps:
- I want to become a customer
- Start registration
