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Only for the accounts
2 additional accounts for anything you need and with whoever you want
To invest, save, share and pay, among other things, so you can organise your finances the way you want.
Pay less, earn more.
Youth Salary Account provides you with the most common services, completely free of charge.
2 additional free accounts
All you have to do is open a Salary account to enjoy them. It's as easy as that.
No-fee account
You won't pay any kind of maintenance fees with the Youth Salary account. You can forget about those annoying bank fees
Combo card2
You will have a card with no issuance or maintenance fees with two sides, or two cards, or two forms of payment. You decide how you want to pay: the entire balance at the end of the month, or at your own pace little by little.
Free transfers domestically and within the EU.
There is no fee for any domestic and EU transfers in euros via our website or app.
Discounts programme
Discounts on gym fees, phone bills, travel, eating out, music, clothes, cosmetics, “ whatever you need”.
A no-fee account with only two conditions:
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Have your salary paid directly into your account (minimum €500/month)
You have two months to make the first deposit, equal to or greater than the one you declared as your salary when you opened the account. Once we receive the first deposit, your Youth Salary Account will start bearing interest.
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Make 3 payments per quarter using your Combo Card
That's right, only three per quarter and no minimum amount: shopping, paying bills, etc. You can use either side of your card.
* so you know exactly the maximum interest you could receive.
- We will use an account with a daily balance of €3,000 and a settlement period of 180 days as an example.
- Gross interest for the first six months: 73,08€; second six months: 73,08€; third six months €29.44; fourth six months €29.44.
- First year: nominal annual interest rate of 4.94% (5% AER).
- Second year: nominal annual interest rate of 1.99% (2% AER).
ACCOUNT TRANSFER SERVICE
Before you can even think about “the hassle of switching banks”, you will already be with Bankinter.
Because we have a free, special service for this: Bank Change service. It is a simple way of transferring the products or bills that you have with other entities.
- Online.
- No paperwork.
- No arrangements to make with your other banks.
Open a Youth Salary Account here,
in 5 easy steps and fully online.
Purchase
Who can open a Youth Salary Account?
Who's it for?
New customers with salary income of a minimum of €500/month.Monthly income
You must be between 18 and 30 years old, an individual and resident in Spain.And last but not least
You can only be the owner of one interest-bearing account and two bonus accounts, those that, for example, do not have a maintenance fee or which have cards with special conditions.Do you need any more reasons to open your Youth Salary Account? Here are three:
Amazon.es gift voucher: pay 1,5% less
You will pay 1,5% less when you buy your Amazon.es3 gift vouchers through your Youth Salary Account. In other words, your purchases will be 1.5% happier.Bank cards on your phone
All your cards, instantly accessible. You can choose Apple Pay, Samsung Pay or Google Pay.17,000 ATMs for free debit card cash withdrawals
At our ATMs and EURO 6000 ATMs, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxam, Banca March, Targo Bank, Euro Automatic Cash and Euronet.Is your salary more than €800? Take a look at our Salary Account.
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.
See FAQs FAQs
What does the two free accounts promotion consist of?
Customers who are holders of a new Salary, Pension, Business, Non-Salary or Youth Salary account are entitled to hold up to two current accounts without a maintenance fee.
What requirements do I have to meet to benefit from this promotion?
Open a new Salary, Pension, Business, Non-Salary or Youth Salary account, whether you are new customer or an existing customer of the Bank.
Is this promotion compatible with all the other benefits of the Salary, Pension, Business, Non-Salary or Youth Salary account?
Yes, they are compatible with the possible remuneration and all the other benefits of the Salary, Pension, Business, Non-Salary or Youth Salary account that qualify for the €0 maintenance fee and free credit card.
What happens if I cancel the account or stop meeting the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account?
If you cancel the Salary, Pension, Business, Non-Salary or Youth Salary account, the accounts will no longer be treated as bonus accounts. You also need to continue to meet the requirements of the Salary, Pension, Business, Non-Salary or Youth Salary account at all times.
Do the holders of the Salary, Pension, Business, Non-Salary or Youth Salary accounts have to be same as the holders of the current accounts?
No, the only requirement is that the customer is a holder in all of them.
Do I have to receive a minimum payment?
Since this is a Youth Salary account, you need to receive a single monthly salary payment by transfer or cheque for at least €500.
Do I have to set up direct debits to pay bills?
No, it's not necessary. But if you do have bills, we encourage you to try our direct debit service. It's simple and you can set it up from home, from your phone, or from wherever you want.
What documentation do I need to open an account?
You just need to send us a photocopy of your ID card and your last payslip.
What happens to my Youth Salary account when I turn 30?
The Youth Salary account is only available to customers under the age of 30. However, as long as you meet the requirements, you can continue to enjoy the benefits regardless of your age.
Important information
- See list of the typical services linked to a payment account
- Youth Salary Account Fee Information Document
- View Youth Salary Account Pre-Contract Factsheet
- See general terms and conditions for current accounts
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Show/Hide legal text1
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 31/12/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
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Show/Hide legal text2 Card issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment entity with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España 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 ID Number A82650672.
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Show/Hide legal text3 Promotion valid until 30 September 2022. Restrictions apply. See details at: www.amazon.co.uk
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