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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.

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Share the good things in life

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 www.bankinter.com, or when you pay cheques into your account.

If you share expenses, share an account.

bizum bankinter

Bizum: Instant payment service

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

Find out more about Bizum about bizum

Thinking about switching banks? Come to Bankinter and we'll help with all the arrangements.

Switch to Bankinter

More services, more advantages

Alert service

With the Bankinter mobile app you can set up alerts to receive notifications about changes to your balance and activity in your account.

Multichannel access to your account

You'll be able to manage your finances securely through telephone banking or online through the mobile app or our website www.bankinter.com. And, of course, across our branch network as well.

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.
  • 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

Now from EURO 6000 banks as well:

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

Plus

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.
Join us

Account comparison tool

Compare the conditions of all our accounts at a glance.
Compare accounts

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.
Find out more about account advantages

FAQs

See What are the requirements for opening a Tú y Yo Account? 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.

See How do I open an account with Bankinter? 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.

See What do I need to open the account with Bankinter? What do I need to open the account with Bankinter?

To start opening your new account online, you will need the following:

  • Your valid ID card
  • A Spanish mobile phone number (+34)
  • A mobile device with a camera (for video identification)

Remember, this is an online process so you can do it whenever and wherever you want. And if you have to interrupt the process for any reason, you can always resume it from where you left off.

See How can I transfer my direct debit payments to my new account? 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.

See Can I withdraw cash with my card? Can I withdraw cash with my card?

Yes, you can withdraw cash from your account without a fee3 from more than 17,000 ATMs. In all: 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, Unicaja Banco S.A., Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

See What card is associated with the Tu y Yo Account? 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.

See How can I open an account with a foreign ID number or foreign passport? 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.

If you want to open an account with this type of document, please come and see us at one of our branches. Check which is your nearest office in our search engine.

See Can I have several accounts Tú y Yo accounts? 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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