Pay less, earn more.
Bk Payroll provides you with the most common services, completely free of charge.
No fees account
You won't pay any maintenance fees with the Bk Payroll account. More for your savings.Free Combo card
Two cards. Two payment methods. In one. It lets you decide how you pay: the entire balance at the end of the month or little by little.Free transfers
All the domestic transfers you make on our website or app are free.Apply for Bk Young Payroll account
Apply for Bk PayrollWho's it for?
You must be between 18 and 30 years of age.Monthly income
Your salary must be greater than, or equal to, €500.And last but not least
No direct debit of bills required.If your salary is over €1,000, check out our payroll account
See Non-Payroll AccountEverything you want, easier and on your mobile.
Because earning more also means gaining more convenience and saving time.
Apple Pay
Add your Bankinter cards to Apple Pay and use them. It's simple.Samsung Pay
The app exclusively for Samsung phones and smartwatches. You can add your payment cards and your loyalty cards.Google Pay
The app lets you add payment cards, boarding passes, loyalty cards... Exclusive for Android devices.Bankinter Wallet
Your photos, your contacts and, now, your credit and debit cards on your smartphone.Bk Payroll is much more than an account.
Our job is to get you more for your money.
BK Rent
Rent today, own your home tomorrow
BK Discounts
Get all the benefits of our discount programme for young customers.
Register with the programme to unlock direct discounts or bonuses and add them to your piggy bank.
We'll also send you regular updates about new offers that match your interests.
Come on! Register today!
Find out more
Free ATMs
You can withdraw cash without a fee2 from all Bankinter ATMs and the ATMs of associated banks, with more than 14,000 machines. This way you’ll never have to pay any fees when you take out money. Our App will tell you where.Popcoin: make the most of your savings
You can use Popcoin, Bankinter’s digital investments manager, to invest from as little as 1,000 euros, in an investment fund portfolio suited to your investor profile. Fully digital and with one of the best prices in the market.See Bk Payroll account conditions Bk Payroll account conditions
Terms and conditions
- To open a Bk Youth account you need to be over 18 and under 30 and live in Spain.
- You must have a monthly salary of least €500 paid into your account by bank transfer or cheque.
- The deadline for paying in your first salary is two months from the date you open your Bk Payroll account. Otherwise the account will not be treated as a Bk Payroll account and you will lose the benefits, products and services linked to it.
- Interest-bearing account with 5% AER the first year and 2% AER the second year, up to a maximum of €3,000. Interest paid every six months.
- No maintenance fees.
- Free national transfers through bankinter.com
- Completely operative and with instant access to your funds.
- Free Combo card. To use the card free of charge, you must make at least three payments per quarter for purchases, bills or anything else.
See FAQs FAQs
Do I have to pay in a minimum amount?
Since this is a Bk Payroll account, each month a salary of at least €500 has to be paid into your account, as a lump sum, either by bank transfer or cheque.
Do I have to set up direct debits to pay bills?
No, it's not necessary.
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 Bk Payroll account when I turn 30?
The Bk Nómina 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
- BK Payroll Account Fee Information Document
- View Bk Payroll Pre-Contract Factsheet
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Show/Hide legal text1 BK Payroll Account: Promotion valid until 31 March 2020 or for a maximum of 40,000 new accounts. Exclusively for new customers between 18 and 24 years old with a salary of at least €500. A customer may only be the holder of one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is understood to be a current account that has special financial conditions such as free credit cards and no fees. The maximum interest-bearing balance is €3,000. First year: nominal annual interest rate of 4.94% (5% AER). Second year: nominal annual interest rate of 1.99% (2% APR). Interest paid every six months. Example for a daily balance in the payroll account of €3,000, calculated for an interest payment period of 180 days, gross return: 1st six months €73.08, 2nd six months €73.08, 3rd six months €29.44, 4th six months €29.44. To access and keep the benefits of our Bk Payroll Account, you need to maintain the declared level of income and pay at least three direct debits per quarter. The card linked to the Bk Payroll Account must also be active.
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Show/Hide legal text2 Whenever you withdraw cash from your account, irrespective of the amount, Bankinter will never charge you a fee provided that you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank and Euro Automatic Cash and the entire EURO 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and EspañaDuero.
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Show/Hide legal text3 The fund prospectuses and Key Investor Information Document, as well as all the other legal documents regarding Bankinter's collective investment institutions (IICC), are available at all of our branches, on our website and on the website of the Spanish National Securities Market Commission (CNMV). If there is any discrepancy between the information in this document and the legal information regarding the IICC, the latter shall prevail. The time frame for each fund is specified in the Key Investor Information Document.
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