To be eligible for interest, you must be a natural person residing in Spain and meet the following requirements:

• Arrange for a monthly pension of at least €800 net to be paid into the account. After opening the account, you must make your first deposit within the following 3 months; otherwise, you will lose the associated benefits.
• Pay at least three direct debited bills per quarter.
• You must not have had a Salary Account, Non-Payroll Account, Pension Account, Professional Account or Youth Account in the past 12 months, nor have previously received interest from any of them in the past.

If you are or have been a customer of Bankinter, please review the applicable specific requirements.

Your account will remain fully active for your usual transfers and payments, but during the period in which you do not meet the requirements, no interest will be paid. If you decide to close the account, you will permanently lose the benefits.

You can close the account at any time with no cancellation costs, but by doing so you automatically forfeit the remuneration and benefits associated with the Pension Account.

Los intereses se ingresan solos en tu cuenta cada seis meses a contar desde el día que te diste de alta. La liquidación se calcula sobre un saldo máximo de 10.000 €, aplicándote un 5 % TAE durante los primeros 12 meses y un 2 % TAE a lo largo del segundo año.

There is no minimum term. However, to ensure you are paid interest every six months, you’ll need to keep your pension direct debit and bill payments up to date.

La bonificación especial del 5 % TAE el primer año y del 2 % TAE el segundo finaliza al cumplir los 24 meses. A partir de ahí, sigues teniendo tu cuenta con 0 € de comisión de mantenimiento, tu tarjeta sin comisiones, tus dos cuentas extra gratuitas y retiradas sin coste en cajeros.

You can open your account 100% online, with zero paperwork, via the Bankinter app. All you'll need is:

• Your valid ID card.
• A mobile phone with the Spanish prefix +34.
• A mobile phone or tablet with a camera for video identification.
• A proof of payment or document showing your latest pension payment.

Steps to follow:

1. Open the app and tap on "I want to become a customer".

2. Fill in your personal data and work-related information.

3. Confirm your identity using the camera.

4. Select the Pension Account.

5. Digitally sign the contract and save your access code.

You can pause the application process and continue it at a later time. In addition, you have 14 days to cancel after signing up if you change your mind.

With Bankinter's direct debit management tool, you can transfer your direct debits in less than 3 minutes, fully online and with no need to visit a branch.

Yes. Whether you are a current or former customer, you can receive remuneration provided you have not been a holder of a Pension Account, Salary Account, Non-Salary Account, Professional Account or Youth Account in the last 12 months, and have never received interest from any of these accounts. Additionally, you must live in Spain, deposit your pension of €800 per month and pay direct debited three bills per quarter.

Yes, several holders can be on the account as long as at least one of you sets up a direct debit for their pension (minimum €800). During online registration, you can invite a second holder to sign digitally. If there are to be three or more account holders, you will need to register via a specific Bankinter web link.

To benefit from the advantages, the account must include both the pension and three direct debit payments made per quarter. Bear in mind that remuneration can only be received in one account per customer.

When you open your Pension Account, you can activate up to two extra current accounts per account holder with no maintenance fees. They do not generate interest (0% NIR and 0% AER), but they are perfect for separating savings from expenses and allow you to add anyone you like as a co-holder. These accounts are fully compatible with the remuneration of your main account.

Deben cargarse en la cuenta al menos tres recibos durante cada trimestre. No es necesario que pertenezcan a emisores diferentes ni que se carguen en meses distintos: puede cargarse uno cada mes o los tres durante un mismo mes.

Al contratar la Cuenta Pensión, Bankinter te asignará una tarjeta sin comisión de emisión ni de mantenimiento.

You can withdraw cash free of charge using your debit card at Bankinter ATMs and at ATMs operated by banks in its network. Use Bankinter's ATM locator to find out which banks and locations are available at any time.