€50 welcome gift for opening an account

Only for the accounts

1 /6

This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.

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.

Promotion code:

Accounts

Bankinter Partner offers you a whole range of perks.

And we are not saying this just because of the €50 welcome gift we will give you. We are also saying this because of our accounts and all our services, the real ones, your everyday ones, that you can use whenever you want, and always free.

Up to

5%AER

the first year¹ and up to 2% AER the second year. Maximum interest-bearing balance €10,000in the first year¹. The maximum interest-bearing balance is €10,000.

This is how we say hello: a €50 gift²

A gift of €50 paid into your new account when you come through a friend. Don't forget to use this code to benefit from this promotion:

And day to day,

you'll have all of this, free and forever, if you choose one of our 5% AER accounts:

No fees account

There's no maintenance fee with the salary account¹ and the non-salary account.³ Pay less, earn more.

Combo Card

A card with two sides, so that you can decide how you want to pay at the time: everything at the end of the month, or little by little. No issuance or maintenance fee.

Free transfers

Free national and intra-EU online transfers in euros.

Free ATMs⁴

More than 17,000 ATMs from which you can withdraw cash with no fees: from all Bankinter ATMs and the ATMs of associated banks, with more than 17,000 machines.

Mobile payment

Your cards always to hand, always on your phone. All payment platforms available: Apple Pay, Samsung Pay, Google Pay and Bankinter Wallet.

Worry-Free service

We will take care of transferring the products and bills you have with other entities to Bankinter.

Friends campaign: Offer valid for the first 1,000 new customers who open an account and meet the activity criteria.
Salary account: Offer valid until 40,000 new accounts have been opened.
Non-Salary account: Offer valid until 5,000 new accounts have been opened.

Important Information

Terms and conditions of the promotion
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¹ 5% interest-bearing accounts: Offer valid until -. 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.
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² Invite a friend Promotion valid until 30 June 2024 for the first 1,000 new customers who open and activate a Salary Account, Non-payroll account; Professional Account; Pension Account or Youth Salary Account within the said period and maintain the account requirements for one year.

This campaign is aimed at individuals who live in Spain and have never previously benefited from this remuneration. The recommender or current customer must be an employee of a Partner branch. The promotional code delivered by the entity may not, under any circumstances, be shared on online platforms (social networks or internet platforms). If it is, inappropriate use of the promotion will be understood to have taken place and Bankinter will cancel the code. Payment of the €50 to the friend and the existing customer will be made the day after the account is activated. The recipient will be required to pay the relevant taxes on the gift as well as any tax withholding or payment on account that Bankinter may be legally required to make. Payments received qualify as monetary income subject to tax withholding and payment on account. As monetary income, the withholding tax base will be calculated by increasing the acquisition value or cost for Bankinter by 20%. Bankinter will carry out the withholding and payment on account in accordance with applicable law. In the event of failure to comply with the terms and conditions of a marketing campaign resulting in you having to “repay” some or all of the amounts paid, this will be charged to your account based on the gross amount paid to you at the time. All of the above is without prejudice to any specific tax law and regulations in effect in Navarre and the Basque Country. This promotion cannot be combined with any other offers or promotions.
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³ Non-Salary Account 5%: Offer valid until 31/12/2023. 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 have not previously benefited from this remuneration. 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.

To access and maintain the benefits of our Non-Salary Account, you must spend at least €3,000 per year with the card(s) linked to the account and must pay at least 10 direct debits per quarter.
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⁴ ATMs: Bankinter will not charge you any fees when you withdraw cash with your debit card, no matter the amount, provided you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, Cashzone, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.