Tú y Yo Account: Our joint account
Tú y Yo Account
If you share expenses, why not share an account?
Share the good things in life: Enjoy Bankinter's Joint Account.
Share the good things in life: Enjoy Bankinter's Joint Account.
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 www.bankinter.com, or when you pay cheques into your account.
If you share expenses, share an account.
Bizum: Instant payment service
Bizum: an easy and safe way to send and receive money through your mobile
Thinking about switching banks? Come to Bankinter and we'll help with all the arrangements.
More services, more advantages
What conditions must I meet to open a Tú y Yo joint 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.
- 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 18,000 ATMs for free debit card cash withdrawals.
- Bankinter
- Deutsche Bank
- Euro Automatic Cash
- Grupo Cajamar
- Banca March
- Grupo Cajas Rurales
- Laboral Kutxa Bank
- Euronet
Now from EURO 6000 banks as well:
Discover all Bankinter's products and services
Not yet a customer?
Remember, the Tú y Yo Account is for customers only. If you are not yet a customer, open an account in a matter of minutes, 100% online from our website.Account comparison tool
Compare the conditions of all our accounts at a glance.Not sure how to choose the best bank account?
Discover our guide on making better financial decisions and choose the account that suits you best.FAQs
What are the requirements for opening a Tú y Yo Account?
There are only three conditions:
- There must be two holders, both of whom must be resident in Spain
- Each holder must have at least one account with Bankinter
- At least one of the holders must have a Salary, Pension, Business, Young Salary or Non-salary Account
And that's it! You do not have to pay bills by direct debit or make minimum deposits to open a Tú y Yo Account.
How do I open an account with Bankinter?
Opening an account is simple and 100% online. There's no paperwork involved and you can do it wherever suits you best
- Download the Bankinter app and select “I want to become a customer”
- Fill out the form with your information: personal and employment details.
- Verify your identity using video identification.
- Choose the type of account you want to open.
- Digitally sign the contract and you're done! You now have an account with Bankinter. All that remains is to create a password so you can start performing transactions.
If for any reason you have to interrupt the process, you can always resume it at any time.
And if you change your mind, you will have 14 days (from signature of the contract) to exercise your right of withdrawal. Simply let us know by phone or email, or by visiting a branch.
What do I need to open the account with Bankinter?
To begin opening your new online account, you'll need the following:
- Your valid ID card
- A Spanish mobile phone number (+34)
- A mobile device with a camera (for video identification)
The process is online and you can do it whenever and wherever you want. Besides, you don't have to complete the procedure all in one go. You can always exit and come back to it later.
How can I transfer my direct debit payments to my new account?
With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.
Can I withdraw cash with my card?
Yes, you can withdraw cash from your account without a fee from more than 17,000 ATMs. In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur, CECABANK, Cashzone, Caixa Ontinyent, Unicaja, Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.
What card is associated with the Tu y Yo Account?
The Youth Account includes a credit card with no issuance or maintenance fees, which you can request once you open the account.
How can I open an account with a foreign ID number or foreign passport?
To open a Intelligent Digital Account with a foreign ID number (NIE), please call us on 900 816 833.
Can I have several accounts Tú y Yo accounts?
No. You can only open one Tú y Yo Account per customer.
Important Information
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See list of the typical services linked to a payment account
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Version also available in Catalan, Valencian, Basque and Galician.
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Version also available in Catalan, Valencian, Basque and Galician.
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Version also available in Catalan, Valencian, Basque and Galician.
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Version also available in Catalan, Valencian, Basque and Galician.