Current account or salary account
Which account should I arrange?
When we decide to open a bank account, we may be unsure as to what account would be the best choice, so know this:
- Just as no two customers are the same, no two accounts are the same.
- The market offers a wide variety of bank accounts, suited to each individual's personal and professional circumstances.
- Different savings profiles, preferences and current and future needs need to be taken into account.
The salary account and the current account are two of the most common accounts. Here we explain the main differences between them, their benefits and rewards and what you should consider when choosing between them.

Payroll account
What is it?
Content What is it?A salary account lets us do much the same as a current account, but with better terms and conditions as a reward for having our salary paid into the account. They may also offer zero account commissions and cards with no associated fees, along with other special benefits and rewards, including a return on our savings.
It is a good option if...
Content It is a good option if...We have regular income, i.e. if we have a fixed salary every month and have it paid directly into our account in exchange for various benefits and rewards. Salary accounts can offer various benefits, most notably: bill refunds, discounts, commission-free accounts, interest on our savings and free cards. Some accounts may even offer discounts and promotions.
What does the bank want from us and what do we want from the bank?
Content What does the bank want from us and what do we want from the bank?The most important thing: no fees. Other pluses include no-fee cards, a return on our savings and a good online banking platform. You might also be interested to know that there are salary accounts for young people who already earn a salary and that offer further benefits and discounts. They are also great at getting us used to saving.
If you have got a salary, you have got a lot going for you. At Bankinter we offer you a salary account with no fees and many benefits. Why not take a look at it?
Current accounts
What is it?
Content What is it?A current account is the most basic type of account and something we all know about. It lets us perform simple transactions: deposits and payments, cash withdrawals at ATMs, direct debits and transfers. It sometimes comes with a credit card. It's basically an easy and convenient way for us to manage our money, which makes these accounts very commonplace.
It is a good option if...
Content It is a good option if...What does the bank want from us and what do we want from the bank?
Content What does the bank want from us and what do we want from the bank?Which account is best for you? Find out with our bank account comparison tool

Are you coming to Bankinter?
If you already have an account with another bank and you want to switch to Bankinter, with the Bankinter Switching Service, choose what you want to bring to Bankinter and we will take care of everything:
- Online
- No forms to fill in
- No arrangements to make with your other banks