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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 for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor.


Get up to €340 the first two years. And no fees.


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.

  • Even though you now have more time now, you will have to hurry because this promotion ends on 31/12/2021 or when 40,000 accounts are opened. It seems like a lot, but it is not that many.
Up to 5% APR the first year and up to 2% APR the second year. Maximum balance to be remunerated €5,000. the first year. The maximum interest-bearing balance is €5,000.

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 €5,000 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: €121.81 2nd six months: €121.81
2nd year:
Annual NIR 1.99% (AER 2%)
3rd six months: €49.074th six months: €49.07

Now, it is your time to enjoy.

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

Combo Card1

Enjoy our Combo Card with no issuance or maintenance fee. A card with two sides, so that you can decide how you want to pay at the time: everything at the end of the month, or little by little.

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...

Advance of your pension

Travel maybe? An unforeseen expense? Whatever your reason, you can request an advance for the monthly net amount of your pension.

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?

New customers and customers who do not currently have their pension at Bankinter and who are not Bankinter Group employees or agents.

Bring us your salary

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.

Set up three direct debits

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.

Bank switching service

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: Bank Change 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


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


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 the Salary Account yield interest?

Find out about how the Salary Account yields interest and how to earn up to €340
Salary Account yields

Looking for a fee-free online account?

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


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: 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, In all: Bankinter, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, 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 (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.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

More information
91 050 01 28
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