We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on MANAGE OR REJECT COOKIES.
Would you like to read about more of our stories of progress? View more
Our commitment to the present for a future of progress
To jobs
Creating employment for 10 years, keeping our branches open even during the worst times.
To equality
We are included in the Bloomberg GEI Index, which recognises the leading companies in gender equality worldwide.
To sustainability
We are one of the most sustainable banks in the world, according to the Dow Jones Sustainability Index.
To solvency
We are one of the most solvent banks, according to the European Central Bank.
To profitability
We are one of the most robust banks in the European sector in terms of profitability, according to the European Banking Authority's stress tests.
To efficiency
We are the most efficient listed bank in Spain, according to the Spanish Banking Pulse report.
Only for the accounts
Measures for your money to grow
How? By sharing our benefits with you.
Digital account
An account that pays interest on your balance - from the first euro to the last - and that gives you a debit card.
Digital account
- An account that pays 1% TIN on your entire balance. 1% AER1
- No conditions and no minimum or maximum amounts.
- And a debit card with no issuance or maintenance fee.
- An exclusive account for new customers who open them using bankinter.com.
- Offer available until 31/07/23.
1% AER 1
No fees
No conditions.
No minimum balance.
No maximum balance.
With salary, non-salary, pension...
Because we think about everyone: those who have a salary and those who don't, pensioners and the self-employed. We keep adding returns.
With salary, non-salary, pension...
- Salary Account, Non-Salary Account, Pension Account and Business Account.
- With two additional FREE accounts, for whatever and with whoever you want. AER 0%.3
- If you open it from our website, you can choose a debit card or credit card.4
- Expiry date: Valid until 31/07/2023 or 40,000 accounts.
To
680 €
Up to 680€
for the first two years.
No fees
No fees
Maximum interest-bearing balance: €10,000. Up to 40,000 accounts.
To
5% AER2
the first year and up to
2%
AER
the second year.
To
5% AER1
the first year and up to
2% AER
the second year.
Makes it easy to pay off what you've already paid
Bills, taxes, ATM cash withdrawals, Bizum... Start again and make it easier.
Makes it easy to pay off what you've already paid
- Choose between 3 and 36 instalments to pay off any payment of more €90 that goes through your account.
- These could be costs from this month or from the last three months.
- And you can decide yourself, with no need for authorisations or explanations. Just select the cost from your account and you're good to go.
Your first "paga cómodo" easy payment is FREE
0% AER5
Until 31/12/23
Broker 0 Service
The first banking broker to get rid of fees for rights and trading shares on the national market.
Broker 0 Service
- A service contracted in your securities account at no additional cost.
- You can enjoy the new Equiduct system for executing orders 7, meaning that you incur no fee and brokerage charges, provided that you do not need to pass your orders through the Spanish Stock Exchanges and Markets.
- You will have access to new content in our Bankinter Broker Academy in advance, and you can take advantage of the graphic tools in our Broker Graphic for free in real time through the CBOE.
- And if you're not yet a Bankinter Broker customer, you'll get a welcome 'Bono Bolsa' voucher for your international trades.8
0 €6
Bankinter fees and commissions
for trading rights and shares on the domestic market.
Homeowner association loans
To cut your electricity consumption, like we all need to do, to make your entrance more accessible, to refresh things that are no longer new... To help your residents' association move forwards, we advance up to 100% of the cost of the refurbishment project, complementing EU grants.13
Measures to help our companies prosper
How? Supporting them at the times of the greatest uncertainty.
Corporate PLAN
At Bankinter, we created the country's first flat-rate banking with our fee-free plans for companies and SMEs where the more transactions that you perform with us, the less you pay.
Corporate PLAN
Three plans so your company can pay for our services in the fairest way: the bigger the operation, the less you pay.
- Free: your company can choose a PLAN depending on what it wants to do.
- Flexible: there is a plan for your company's volume and model.
- Transparent: because you know all the costs and benefits of your chosen plan in advance.
Next Generation EU Funds
We'll help you to access European Union Funds, while also thinking ahead about the money that you need.
Next Generation EU Funds
Support, advice, up-to-date information, news and what we know you care most about, finance.
- CEOExEurope search facility, to find out what direct aid is available to you.
- Specialist consultancy for companies with turnover of more than €2 million or projects worth more than €250,000.
- Bankinter finance for whatever you need: guarantees, advance on grants, and loans.
ICO Ukraine Credit Facility 14
ICO facility for companies and the self-employed whose business has been affected by the conflict in Ukraine. So your company doesn't stop and at least some of us can continue to develop.
Our story of progress
Would you like to watch the campaign spots? Here they are:
BANKINTER INTRODUCES A STORY OF PROGRESS
We buy many things with our money, especially an idea of what it means to progress.
WE'RE INCREASING THE INTEREST RATES ON OUR ACCOUNTS
At Bankinter, we're increasing the interest rates on our fee-free accounts. We're giving you 1%1 with no strings attached with our new Digital Account, and up to €6802 more if you decide to switch your salary over to Bankinter.
COMPANY PLAN
At Bankinter, we created the country's first flat-rate banking with our plans for companies and SMEs. And we'll help you to access European Union Funds, while also thinking ahead about the money that you need.
Broker 0
Progress is being the first banking broker to get rid of fees for rights and trading shares on the national market.
Información de interés
-
Show/Hide legal text1
Digital current account: Offer available until 31.07.2023 for new customers who open their account through Bankinter.com. 1% annual nominal interest rate with monthly payments (1.01% AER) and an account maintenance fee of €0/year. Example for a daily balance of €10,000 in a current account, calculated for an interest payment period of 30 days: monthly gross remuneration of €8.22. No minimum or maximum interest-bearing amount.
-
Show/Hide legal text2 5% interest-bearing accounts: Offer valid until 31/07/2023. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
The maximum interest-bearing balance is €10,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.
In order to earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) bills by direct debit per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, you do not have to activate the linked credit card. For the Non-Salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.
-
Show/Hide legal text3 If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until 31/07/2023 for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
-
Show/Hide legal text4 If you open a Salary/Pension/Business/Youth Salary account online you can choose between a credit card or debit card, with no issue or maintenance fee. This offer is available until 31/07/2023 for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
-
Show/Hide legal text5 Example for a Paga Cómodo Payment of €1,500, made on the 1st of the month, with a repayment period of 37 months, 0% NIR and 0% APR, first instalment of €0 plus 35 instalments of €41.66 and a final instalment of €41.90. Total repayment amount €1,500. Interest: 0€. Total cost: 0€. French repayment system.
Promotion valid for the first payment made with Paga Cómodo before 31/12/2023. Minimum amount: €90 Minimum instalment €30. Repayment term of 4 to 37 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ('revolving'), bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments. Service subject to approval if your financial situation has changed on the day that you apply for it.
Financing offered by Bankinter Consumer Finance EFC, S.A., registered with Banco de España under no. 8832, registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid), entered in the Madrid Companies Register, Volume 22,729, Folio 181, Sheet No. M-259543, Tax ID Number A82650672.
-
Show/Hide legal text6 Broker 0: The service is available to holders, so all of your securities accounts will be covered by it. By signing up to the Broker 0 service, customers must make the securities in the securities accounts linked to the service available, meaning that Bankinter Broker may use them for loans at any time.
-
Show/Hide legal text7 Equiduct is a pan-European transparent exchange whose objective is to offer an innovative trading venue to the retail and institutional community. The technology of this platform allows operations to be executed in the main transparent trading venues in Europe through a single connection venue. They are a market segment of the Berlin Stock Exchange, fully regulated and in accordance with MiFID regulations. More information at https://www.equiduct.com/es
-
Show/Hide legal text8 Welcome Promotion This only applies to Bankinter Broker trading fees. It does not include fees, taxes or postage. The bonus will be paid as a stock market voucher ('Bono Bolsa') worth €1,000, which will be available the day after you open your securities account. Bankinter fees for any product or broker service, except for Foreign Currency, carried out online or via mobile during the first month will be discounted up to a maximum of €1,000. Promotion valid until 30/06/2023, exclusively for customers that open a securities account and who have never previously held a securities account at Bankinter.
-
Show/Hide legal text9 Transfer of Pension Plans: Offer valid from 1/06/2023 to 31/07/2023. The bonus is 6% gross for pension plan transfers equal to or greater than € 60,000 and 4.5% gross for transfers from pension plans if the amount is less than €60,000 and equal to or greater than €1,000 of the net balance of incoming and outgoing transfers requested during the promotion period. It will be paid on 15 September 2023 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 August 2023). Additionally, to receive these bonuses, the customer is required to register for the first time a periodic monthly contribution to their pension plan of at least €125 per month, for at least 24 months, the first contribution being effective during the months of June or July 2023.
The maximum bonus will be €10,000 gross. The pension plan must remain with Bankinter until 31/12/2030. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount. This offer does not apply to transfers of the following pension plans: Bankinter Roboadvisor Conservador, Bankinter Roboadvisor Moderado and Bankinter Roboadvisor Dinámico. If, during the minimum contract period, the customer reduces their existing vested/economic rights on the date of this bonus campaign, whether through the total or partial transfer to another bank, the transfer of the Roboadvisor pension plans stated above or the redemption of your vested/economic rights, you will be obliged to return the total gross amount of the bonus received. Bankinter pension plans: The unit holder key information document is available at www.bankinter.com. The Pension Plan Promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Pension Fund Manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Depositary for the Pension Funds is Bankinter, S.A.
-
Show/Hide legal text10 Voluntary Pension Scheme (EPSV) Transfer: Offer valid from 1/06/2023 to 31/07/2023. The bonus is 6% gross (1.17% APR calculated over 5 years) for pension plan transfers of at least € 60,000 and 4.5% gross (0.88% APR calculated over 5 years) for pension plan transfers if the amount is less than €60,000 and equal to or greater than €1,000 of the net balance of incoming and outgoing transfers requested during the promotion period. It will be paid on 15 September 2023 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 August 2023). Additionally, to receive these bonuses, the customer is required to register for the first time a periodic monthly contribution to their pension plan of at least €125 per month, for at least 24 months, the first contribution being effective during the months of June or July 2023. The Bankinter EPSV Individual Retirement Plan must be kept until 31/12/2030. The maximum bonus will be €10,000 gross.
Retirement Plans: Bankinter EPSV Individual Retirement Plan; Promoter Partner: Bankinter, S.A.; Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
-
Show/Hide legal text11 Loyalty Plan Pension Plan: Annual bonus of 0.25% of the equity in your Individual Pension Plans at year end, provided that your equity is equal to or greater than €30,000 and is maintained until the bonus payment date (15 February of the following year), and provided that you have made contributions of €1,500 between 1 January and 31 December. Transfers do not count as contributions. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount.
-
Show/Hide legal text12 Loyalty Plan EPSV: Annual bonus of 0.25% (0.05% AER) of the equity in your Bankinter EPSV Individual Retirement Plan, at year end, provided that your equity is equal to or greater than €30,000 and is maintained until the bonus payment date (15 February of the following year), and provided that you have made contributions of at least €1,500 between 1 January and 31 December. Transfers do not count as contributions. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount.
-
Show/Hide legal text13 All financing operations are subject to analysis and approval by the Bank. Financing offered by Bankinter Consumer Finance EFC, S.A., a financial credit institution registered with the Bank of Spain under number 8832, with registered office at 12 Avda. de Bruselas, 28108 Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with tax identification number A82650672.
-
Show/Hide legal text14 Vigencia: hasta el 31 de diciembre de 2023 o hasta agotar los fondos de la línea si este hecho es anterior.