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Open an account
ONLINE IN 5 STEPS
I want to open a salary account
For people with a salary, self-employed workers and pensioners. Choose yours and start enjoying all the perks. No fees
I've already started opening the account Help Forgotten your passwords to continue the account opening process?
If you've forgotten or can't retrieve your temporary passwords, call us on 91 657 88 00 and we'll give them to you again
If you didn't finish opening your account (either online or at one of our branches), don't worry! You can pick up the process here and carry on from where you left it.
I am the second holder and I have an invite
Have you received an invite to register as a second account holder? From here you can complete the process of arranging the account.
Fee-free
Already a customer?
If you're already a Bankinter customer and need to see your transactions and products, log in to your private area.
Whatever your circumstances, we have an account for you.
Pension Account
Are you a pensioner?- Up to 5% AER1 the first year
- With zero fees
- Debit card or credit card with no issuance or maintenance fee2
Business account
Are you a sole-trader?- Up to 5% AER1 the first year
- With zero fees
- Debit card or credit card with no issuance or maintenance fee2
Youth Salary account
If you have a salary and are under 31 years old- With zero fees
- Debit card or credit card with no issuance or maintenance fee2.
- No need to set up any direct debits
- +2 FREE accounts
Non-Salary account
Do you not have a regular income?- Up to 5% AER1 the first year
- No fees
- Credit card with no issuance or maintenance fees
Broker Account
Are you investing on the stock market?- 2% AER4
- No maintenance fees
- First settlement guaranteed
Not sure how to open your Salary Account?
Find out all the answers to your questions on how to open your account online.
See How do I open an account with a NIE? How do I open an account with a NIE?
If you want to open an account with a NIE, please come and see us at one of our branches. You can check your nearest branch with this branch finder.
See How do I open an account with two holders? How do I open an account with two holders?
If you want to invite someone to be a joint holder of your new account, you can do this at any time after you have completed the first registration step but before finalising the product application process. Just log into your private area and select “Add another holder”. You'll see this option at the top right-hand corner and also at the bottom of the page. You will have to enter the name and ID number of the second holder, and we will then send you an invitation code by SMS which the second holder must use to complete the registration process.
See Can I break off and continue the application later? Can I break off and continue the application later?
Yes, if you have started the application process but can't finish it, you can resume it whenever you want from any device. Just login through the above option (“I've started the account application process”) and follow the steps. It's very simple!
See What do I do if I can't remember my username and password? What do I do if I can't remember my username and password?
If you've started the process to open the account and can't retrieve your temporary passwords, call us on 900 816 833 and we'll give them to you again.
If you didn't finish opening your account (either online or at one of our branches), don't worry! You can pick up the process here and carry on from where you left it.
If you finished the first step of the process (i.e. registration) but can't remember your username and password, select “I've started the account opening process” and then click on “I've forgotten my username and/or password”. We'll ask you to enter a few details and in a matter of seconds you'll receive your new username and password to log into your private area again and continue the process.
See How to download the Bankinter app How to download the Bankinter app
Before we explain how to download the Bankinter app, we want to give you 15 reasons for having it on your mobile device.
- Bankinter in the palm of your hand.
- Go straight to your frequent transactions in just one “click”.
- Set up notifications so you can keep up to date with all your financial activity.
- Thanks to the aggregator, you can see all your accounts at other banks on the same screen.
- Get access to a single area where you can make or schedule transfers, set up recurring payments or check your statements.
- Add your cards to Google Pay, Apple Pay or Samsung Pay so you can pay with your mobile.
- Make your Bizum transactions even more convenient.
- You can personalise the name of your accounts and therefore locate them instantly.
- Make your day-to-day life easier, by securely managing your contacts, account and telephone numbers.
- Paying by direct debit, deferring payments or rejecting payments will be easier than ever.
- You can only activate biometric identification through the app, which makes your online payments even faster.
- You will no longer need to type your IBAN number: just copy, paste or share.
- Speed up your frequent transactions with a single swipe.
- Your accounts and your personal information will always be protected.
- The new design is easy to use and very intuitive.
How to download the Bankinter app from iOS or for Apple devices
The first step is to click on this link to be redirected to the Apple App Store.
Once you get there, click on Download to install the app on your device.
The next step is to click OPEN to be redirected to the Bank's app.
Accept the Legal Notice.
Accept the Cookies policy.
And then log in with your customer username and password to link your account, see your global position, view your products, send a Bizum, order transfers and carry out financial transactions from your mobile device.
If you aren't a Bankinter customer, don't worry, you can register your account online from your own mobile device in just 5 steps.
How to download the Bankinter app from the Play Store or for Android devices
The first step is to click on this link to be redirected to the Android Play Store.
Once you get there, click on Download to install the app on your device.
The next step is to click OPEN to be redirected to the Bank's app.
Accept the Legal Notice.
Accept the Cookies policy.
And then log in with your customer username and password to link your account, see your global position, view your products, send a Bizum, order transfers and carry out financial transactions from your mobile device.
If you aren't a Bankinter customer, don't worry, you can register your account online from your own mobile device.
Want us to help you open your bank account?
Useful information
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Show/Hide legal text1 5% interest-bearing accounts: 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 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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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 31/12/2023 for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Show/Hide legal text3
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 €10,000 maintained for one year). This offer is available until 31/12/2023 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.
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Show/Hide legal text4 Broker account: Promotion valid until 31/12/2023 or until a maximum of 40,000 new accounts have been opened. Nominal annual interest rate of 2% (2.02% APR). Interest paid quarterly. For a sample daily balance of €5,000 in a Broker Account, the gross remuneration calculated for a settlement period of 90 days would be: 1st quarter: €24.66, 2nd quarter: €24.66, 3rd quarter: €24.66, 4th quarter: €24.66. To be eligible for this remuneration, you must perform at least 10 buy/sell trades on the market each calendar quarter via any of the channels available for arranging the products offered by Bankinter Broker at any given time. Transactions performed using accounts (securities, derivatives and/or fixed income) associated with the Broker Account and any other Bankinter account where you are the holder or joint holder will be taken into account when calculating the number of transactions. The promotion does not include currency trades or trades using delegated portfolio management services. You must also pay a standard custodial fee on the securities account linked to the Broker Account and on all securities accounts you hold or hold jointly with others.Only one Broker Account is permitted per customer, who must be a private individual resident in Spain. This account is not available to Bankinter Group employees and agents. The currency of the Broker Account is the euro.
Bankinter has the solution
Want to find out more about our accounts? Let's talk.
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Start dealing at Bankinter Broker by opening your securities account.
OPEN YOUR SECURITIES ACCOUNT
If you are going to transfer securities from another entity, the recipient account at Bankinter must have the same holders as the sender account.
Become a Bankinter customer by signing up for the Broker Account.
OPEN A BROKER ACCOUNT