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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.

Tú y Yo Account

If you share expenses, share an account.


Share the good things in life

Making everyday life that little bit easier

At last, a simple solution: an additional, shared account for keeping track of expenses and sharing them.

With a credit card for each holder

Each holder will get a credit card without and issuance or maintenance fee. For cash withdrawals from the account, without a fee, at over 17,000 ATMs.

No fees

If you each have a current account at Bankinter and one of those accounts is a salary, non-salary , pension or professional account, you can open a fee-free joint account.

Switch to Bankinter

Want to bring all your accounts or direct debits to Bankinter? Do it from the comfort of your home:

  • Online
  • From any device

Free transfers

You won’t pay any fees on national transfers made through, or when you pay cheques into your account.

bizum bankinter

Bizum: Instant payment service

Bizum: an easy and safe way to send and receive money through your mobile

More services, more advantages

What conditions must I meet to open a Tú y Yo Account?

  • Tú y Yo Account: an account for two holders. Both holders must already have a current account at Bankinter, one of which must be a Salary/Business/Pension/Youth Salary or Non-Salary Account.
  • The Tú y Yo account is non-interest bearing: NIR 0% (APR 0%)
  • You may only hold one Tú y Yo Account, and the Tú y Yo account must always have two holders.
  • Both of you must be individuals living in Spain.

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


How do I open a Salary Account?

Open your Salary Account in 5 easy steps online, from our website.
Steps to open my account

What cards are associated with the Payroll Account?

The Salary Account comes with a Combo card – in other words, two cards in one. Want to find out more?
Find out more

Can the salary account have two holders?

Want to share your Salary Account? Good news, it supports up to two holders.
Find out more about account faqs


What do I have to do with my direct debits?

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.

Can I withdraw cash with my card?

You can withdraw cash from your account without a fee2 from more than 17.000 ATMs, including those of 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 several accounts Tú y Yo accounts?

No, a customer can only have one Tú y Yo account.

Bankinter has the solution

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

More information
900 816 833
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