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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 of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.

FEE-FREE PENSION ACCOUNT

We've lowered the income requirements of our accounts from €1,000 to €800.

Up to 5% AER the first year1 and up to 2% AER the second year. The maximum interest-bearing balance is €5,000 the first year.1 The maximum interest-bearing balance is €5,000.

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

Worry-free service

Want to bring all your accounts or direct debits to Bankinter? Do it in the most convenient way:

  • Without visiting your branch
  • On any device

Free national transfers

You won’t pay any fees on national transfers made through www.bankinter.com, or when you pay cheques into your 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 about combo card

More services, more advantages

See Pension Account terms and conditions Pension Account terms and conditions

Pension account terms and conditions

The interest paid into the pension account is 4.94% nominal in the first year (5% AER). During the second year, the nominal interest will be 1.99% (2% AER). The AER has been calculated on the basis that there are no fees with the pension account. The amount resulting from each half-yearly settlement is treated as a capital gain and is therefore subject to the withholding percentage stipulated in the applicable tax regulations.

The maximum daily balance that bears interest cannot exceed €5,000, regardless of whether more than one pension is paid into the account.

The account will start to bear interest as soon as the first pension income is received for an amount equal to or greater than the amount declared on the account application form.

Eligibility for the promotion perks

Always open a pension account within the promotion dates. You must be an individual living in Spain with a monthly pension of least €800, you may not have previously benefited from this remuneration, and you may not have held a salary/pension/business account at Bankinter in the 12 months before opening this new account.

Register as a customer and open your pension account before the end of the promotion period.

You need to set up at least three direct debits per quarter in your pension account.

You have three months from opening your pension account to make your first deposit. Otherwise the account will not be treated as a pension account and you will lose the related perks, 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 but the sum of pensions is valid for these purposes.

See FAQs FAQs

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.

Bankinter has the solution

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

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