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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.
Each investment fund has its own risk flag, which may be higher.
cuentas bancarias bankinter

No-fee account

So it's all savings. Because with the Youth Account you will no longer pay account maintenance fees.
NIR: 0% (AER: 0%).

Debit card

No issuance or maintenance fee. It's wholly optional but it's there if you think it could ever be useful.

Free instant transfers

All transfers are free and immediate for individuals via the web within the EU.

Discounts programme

Discounts on gym fees, phone bills, travel, eating out, music, clothes, cosmetics, “ whatever you need”.

Who can open a Youth account?

To open a Youth account you need to be over 18 and under 24 and live in Spain.
If there are several account holders, at least one of you must be between 18 and 24 years old.
And finally: only one Youth account is permitted per holder or co-holder.

Rental Savings Plan

Rent today, own your home tomorrow

If you are renting but would like to buy a house one day, look no further than Rental Savings Plan: pay your rent through your Bankinter account and you will receive a reward of up to €500 on your first mortgage:

  • Annual reward of 10% of the average of your monthly rent.
  • It will be calculated on a maximum amount of €1,000. and will be paid twice a year.
  • To access the funds in your virtual piggy bank, you need to take out a mortgage with Bankinter before your 36th birthday.
find out more about rent
cuenta nomina y cuentas bancarias bankinter

5% Plan

cuentas para jovenes bankinter

A good plan for your money.

A plan that rewards the contributions you make from your Youth Account to investment funds distributed by Bankinter and associated with that account. Every month that you contribute a minimum of €50, you will receive a monthly reward paid into your Youth Account.

  • Up to 5% annual for the first year.
  • Up to 2% annual during the second year.
  • Paid monthly and always on the fund balance accumulated since the plan was activated, with a maximum of €1,000.
  • No obligations: if one month you don't make any contributions you will not receive the reward.
Find out more about the 5% plan

Remember:

  • Investment funds can lead to a loss of capital.
  • This promotion is valid for all Mini and Youth accounts opened before -.

For example:

  • Let's start with an initial subscription of €1,000.
  • We will set up a regular monthly contribution of €50, and assume we will keep it for 23 months.
  • Result of the monthly payment for the first year: 4,17€. Total annual bonus: 50,04€.
  • Result of the monthly payment for the second year: 1,67€. Total annual bonus: 20,04€.

So many types of funds... but do you know how they work? Our guide explains them to you in simple terms.

beginner's guide to funds

Always there, however you want.

We offer multiple ways to bank with us, so you can go at your own pace rather than ours.

17,000 ATMs for free debit card cash withdrawals

At our ATMs and EURO 6000 ATMs, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet.

All your banking needs on your mobile

Use our intuitive and secure website and app to make queries and perform transactions from wherever you are.

Mobile payment

With Youth Account, you can use all the payment platforms and tools such as Apple Pay, Samsung Pay or Google Pay through your mobile.
Find out more about mobile payment

Bizum

Bizum lets you send and receive funds from your mobile. Imagine you want to pay your share of a joint birthday present... It couldn't be faster or easier. Best of all, it's free!
Find out more about bizum

Thinking of bringing other accounts to Bankinter? Make your life easier: no paperwork, no going through the office and not talking to your other bank.

Switch to Bankinter

FAQs

See What are the requirements for opening a Youth Account? What are the requirements for opening a Youth Account?

There are just two conditions:

  • Be aged between 18 and 24
  • Be resident in Spain

And that's it! You do not have to pay bills by direct debit or make minimum deposits to open a Youth Account.

See What are the benefits of opening a Youth Account? What are the benefits of opening a Youth Account?

It is a free account, with no fees or other strings attached. Website and app transfers in euros are also free.

You can also request a free debit card. You can use this to pay with your mobile phone using Google Pay, Samsung Pay or Apple Pay, and you can make free cash withdrawals by debit from more than 17,000 ATMs1.

And as a holder of this account you will have access to our Discounts Programme, where you can find discounts on selected brands and shops for young people.

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)
  • A copy of your last pension slip

The process is online and you can do it whenever and wherever you want. And remember, you don't need to complete the process in one go. As long as you have completed step 1 (which generates your username and password), you can exit the process and return to it later.

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 the Youth Salary account have two holders? Can the Youth Salary account have two holders?

Yes, there can be two holders. If you want to invite someone to be a joint holder of your new account, you can do this during the application process, after you have completed the first registration step and before you finish the process.

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 fee at 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, CECABANK, Cashzone, Caixa Ontinyent, Unicaja, Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

See What card is associated with the Youth Account? What card is associated with the Youth Account?

The Youth Account includes a debit 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.

Important information

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