2 additional accounts for anything you need and with whoever you want
Pay less, earn more.
2 additional free accounts
All you have to do is open a Salary account to enjoy them. It's as easy as that.
You won't pay any kind of maintenance fees with the Youth Salary account. You can forget about those annoying bank fees
Debit or credit card
You'll get a debit or credit card with no issuance or maintenance fee.
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 on gym fees, phone bills, travel, eating out, music, clothes, cosmetics, “ whatever you need”.
A no-fee account with only two conditions:
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.
Make 3 payments per quarter with your debit or credit card
That's right, only three per quarter and no minimum amount: shopping, paying bills, etc.
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).
Switch to Bankinter
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: Switch to Bankinter service. It is a simple way of transferring the products or bills that you have with other entities.
- No paperwork.
- No arrangements to make with your other banks.
Who can open a Youth Salary Account?
Who's it for?Existing or new customers with a salary income of at least €500/month.
Monthly incomeYou must be between 18 and 30 years old, an individual and resident in Spain.
And last but not leastYou 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% lessYou 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 phoneAll your cards, instantly accessible. You can choose Apple Pay, Samsung Pay or Google Pay.
17,000 ATMs for free debit card cash withdrawalsAt our ATMs and EURO 6000 ATMs, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxam, Banca March, Targo Bank, Euro Automatic Cash and Euronet.
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.
- 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
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 30/06/2023 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.
Show/Hide legal text2 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 30/06/2023 for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
Show/Hide legal text3 Promotion valid until 30 June 2023. Restrictions apply. See details at: amazon.es/cheques-regalo-condiciones.
Bankinter has the solutionWant to find out more about our accounts? Let's talk.
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