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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.

FEE-FREE PENSION ACCOUNT

At Bankinter we make your money work for you.

Because having worked so many years deserves a reward: a simple, interest bearing account with all the services that you need to make handling your day-to-day finances easier.

  • The only1 non-salary account that gives you up to €680 and two other free accounts2.
  • If you open it online, you can choose between a debit or credit card without an issue or maintenance fee.3
  • Promotion valid until - or until 40,000 accounts have been opened.
I want a pension account
PENSION ACCOUNT
To
5%AER
the first year and up to 2% AER the second year. Maximum interest-bearing balance €10,000in the first year1. Maximum
interest-bearing balance: €10,000.

2 additional accounts for anything you need and with whoever you want

To invest, save, share and pay, among other things, so you can organise your finances the way you want. You can open these two accounts with whoever you want: for you, your partner, your children, your grandchildren or for anyone you can think of.

So you know exactly what we are talking about, we will calculate and explain the maximum interest you could receive.

Example for a daily balance of €10,000 in the account, calculated for a settlement period of 180 days:
 
NIR - AER payment
Gross return.
1st year:
Annual NIR 4.94% (AER 5%)
1st six months: €243.62 2nd six months: €243.62
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €98.144th six months: €98.14
Total
-
683,52€

Now, it is your time to enjoy.

Enjoy your pension, your free time and everything you can obtain with the 5% Bankinter Pension Account.
cuentas remuneradas sin comisiones

2 additional free accounts

All you have to do is open a Pension account to enjoy them. It's as easy as that.

Debit or credit card3

Enjoy your new card for free. Whatever you buy, it will fit in your pocket! No issuance or maintenance fees.

National and intra-EU transfers, free

All national and intra-EU transfers that you make in euros and through the website have no fees. You will not pay any fees for paying cheques into your account either.

Multichannel access to your account

As well as at our branches you can conduct enquiries and transactions on the website, on your phone or via telephone banking, which is just as secure but a lot faster.

Alert service

A service that allows you to receive alerts on your mobile or by e-mail about activity in your account. You can tell us when you want us to notify you: income, debit, amount...

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

And the conditions? These are as follows:

  • Deposit your pension in the 5% Pension Account

    A pension of at least €800 which is consistently deposited. It can be by transfer or by check, not in cash and not from the account holder themselves, and we do accept pension amounts.

  • Make three charges per deposit per quarter

    It is not required that they be different issuers, nor that they occur during the same month. It can be one deposit every month or, for example, three deposits in a single month and then none for the next two months.

  • Do not delay in depositing your pension

    Once you open your Pension Account, you must make the first pension deposit within three months. When that time has elapsed, if you have not made the agreed deposit, then you will lose all of the 5% Pension Account benefits.

Who can open a 5% Pension Account?

Customers and new customers who do not currently have their pension at Bankinter and who are not Bankinter Group employees or agents.
You must be an individual, resident in Spain and not have been the owner of any of our interest-bearing accounts in the 12 months prior to opening the account.
The same customer can only be the owner of one interest-bearing account and two bonus current accounts, for example, any that do not have a maintenance fee or that have cards with special conditions associated with them.

Switch to Bankinter

Before you can think “what a mess to change banks”, you will be set up with Bankinter.

Because we have a free, special service for this: Switch to Bankinter service. A service to help you transfer products or deposits that you have at other entities in the most comfortable way possible: without leaving the house


FIND OUT MORE
cambia de banco a bankinter

You can choose from more than 17,000 ATMs for free debit card cash withdrawals.

  • Bankinter
  • Deutsche Bank
  • Euro Automatic Cash
  • Grupo Cajamar
  • Banca March
  • Grupo Cajas Rurales
  • Laboral Kutxa Bank
  • Targo Bank
  • Euronet

Now from EURO 6000 banks as well:

CajaSur Banco, EVO Bank, CECABANK, Cashzone, Caixa Ontiyent, Liberbank, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja.
Find branches and ATMs

Plus

Which account do you need?

Resolve your questions using our bank account comparison tool and we will help you select the account that is best tailored to your needs
Find out more about accounts

How does our account yield interest?

We answer all your questions on our interest-bearing account. 
Account yields

Looking for a fee-free online account?

If you're thinking about opening a fee-free online account, open your Account in 5 easy steps!
Open salary account

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

CallMe

See FAQs FAQs

What does the two free accounts promotion consist of?

Customers who are holders of a new Salary, Pension, Business, Non-Salary or Youth Salary account are entitled to hold up to two current accounts without a maintenance fee.

What requirements do I have to meet to benefit from this promotion?

Open a new Salary, Pension, Business, Non-Salary or Youth Salary account, whether you are new customer or an existing customer of the Bank.

Is this promotion compatible with all the other benefits of the Salary, Pension, Business, Non-Salary or Youth Salary account?

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

What happens if I cancel the account or stop meeting the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account?

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.

Do the holders of the Salary, Pension, Business, Non-Salary or Youth Salary accounts have to be same as the holders of the current accounts?

No, the only requirement is that the customer is a holder in all of them.

What documents do I need to open my Pension account?

Photocopy of the TIN of the account holder(s).

Photocopy of the last pension payment.

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: 91 657 88 00.

Can I withdraw cash with my card?

You can withdraw cash from your account without a fee3 from more than 17,000 ATMs – at all those belong to 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, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and España Duero.

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 (enter the holder who receives the payment; 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.

Important information

  • See list of the typical services linked to a payment account
  • Pension Account Fee Information Document
  • VIEW PENSION 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.
More information
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