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.


You've earned it, now start earning a return on your retirement.

  • No fees
  • No costs
Up to 5% AER the first year 1 and up to 2% AER the second year. The maximum interest-bearing balance is €5,000 the first year.1 The maximum interest-bearing amount is €5,000.

And now you can ask for much more with our pension account

Tarjeta Combo

Combo card

The best card wherever you look

  • Two cards in one.
  • Combo 1: Use it for your day-to-day purchases and pay at the end of the month.
  • Combo 2: Use it to buy now and pay in comfortable instalments.
Find out more

More services, more advantages

See Account conditions Account conditions

Pension Account Conditions

The interest paid on the pension account is 4.94% nominal in the first year (5% AER). During the second year, the nominal remuneration will be 1.99% (2% APR). The AER has been calculated taking into account that the Payroll Account has no fees. 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 for interest payment will not be higher than €5,000, no matter if there is more than one direct debit pension in the same account.

Interest will begin to be paid on the account as soon as the first pension income equal to or greater than the amount declared in the application is registered.

Requirements to enjoy the advantages of the promotion

Open a Pension Sccount in Bankinter always within the promotion dates. 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 Pension Account before the end of the promotion period.

The income to be received as a pension must be at least €1,000 net per month.

You need to have arranged at least three direct debits a quarter in your Pension Account.

You must make a first payment into your Pension Account within no later than two months. If you don’t pay anything into the account after that period, the account will no longer be a Pension Account and you will lose the associated advantages, products and services.

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

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.


What documentation do I need to open my Pension Account?

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

Photocopy of the last pension.

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, In all: 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 Pension Account?

Yes, meeting the requirements of both accounts, up to a maximum of two Pension Accounts (the holder who receives the payment has to be indicated; a person can only be included in an account as a holder who receives payments) or a Pension 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 to be a current account that has special financial conditions such as free credit cards and no fees. This limit will also apply to any other interest-bearing or bonus account, or account with special conditions, that Bankinter may offer in the future.

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