No fees or unexpected expenses
- No account maintenance fees
- No maintenance fee for the debit card.
- Free instant online national and intra-EU transfers in euros.
Are you already a Bankinter customer?
Find the account that best suits you
Smart Digital Account
- Up to 2.50% AER1 without fees or conditions
- Up to 3% AER if you bring your salary2 and Bizum
- Debit card with no issuance or maintenance fees
Payroll account
- Up to 5% AER3
- With zero fees
- Debit or credit card 4
- +2 FREE accounts
Business account
- Up to 5% AER3
- With zero fees
- Debit or credit card4
- +2 FREE accounts
Non-Salary Account
- Up to 5% AER3
- With zero fees
- Credit card
- +2 FREE accounts
Youth Salary account
- Up to 5% AER6
- Debit or credit card4
- No need to set up any direct debits
- +2 FREE accounts
Pension Account
- Up to 5% AER3
- With zero fees
- Debit or credit card4
- +2 FREE accounts
Cuenta Bróker
- 2% TAE de rentabilidad6
- Sin comisión de mantenimiento
- Primera liquidación garantizada
Basic Account
- All the most common transactions
- Payment transactions within the European Union
Youth Account
- No fees
- Debit card
- Discount Programme
Compare the conditions of all our accounts at a glance.
Switch to Bankinter
Want to bring everything to Bankinter? Do it the easy way, do it online.
Switch to Bankinter is the easiest and most convenient way to bring the positions you hold at other banks: accounts, direct debits, pension plans... All from the comfort of your home.
And if you have already added your accounts or funds at other banks to our website, it will be even easier to manage them.
Not sure how to open your 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.
See Can there be two or more account holders? Can there be two or more account holders?
Yes, there can be multiple account holders:
- To add a second account holder, you can invite another person to be a co-holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.
- If you want to open the account with 3 or more holders, you will need to complete the contract from this link, instead of in the Bankinter app.
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 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)
Remember, this is an online process so you can do it whenever and wherever you want. And if you have to interrupt the process for any reason, you can always resume it from where you left off.
See How can I bring an account from another bank to Bankinter? How can I bring an account from another bank to Bankinter?
You don't need to set up any direct debits to open an interest-bearing Digital Account. But if you want to change banks, we'll help you manage the process once you have opened your account. With our Switch to Bankinter service, making the change is fast, easy and 100% online. You can either bring the entire account or selected direct debits, all as part of the same process and with no paperwork involved. We'll guide you step-by-step, and of course we won't charge you a fee.
Need help opening your account? We'll call you.
Información de interés
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Show/Hide legal text1 The Digital Smart Account is a free current account with two pockets: the first pocket up to €5,000 for your day-to-day needs (0% NIR) and a second pocket for your savings, earning interest on up to €50,000 (2.47% NIR). If you direct deposit your payroll and activate Bizum, the second pocket will earn interest on up to €50,000 (2.96% NIR).
In case of income, the balance of the first pocket that exceeds €5,000 will automatically be transferred to the second pocket.
In the event of a charge, the required amount will be deducted from the first pocket. If the amount of the charge is greater than the available balance of the first pocket, it will be deducted from the available balance of the second pocket.
APR from 0%, with a balance of up to €5,000 only in the first pocket and an APR of up to 2.50%, with a balance of up to €50,000 only in the second pocket, in this case earning €1,235 per year (as long as the APR and balance do not vary in one year). And, in addition, if you direct deposit a payroll or other eligible recurring payment and activate Bizum, the 2nd pocket will earn interest on up to €50,000 with an APR of up to 3.00% for up to one year with a balance of up to €50,000 in the 2nd pocket only. In this case, you will receive €1,480 (as long as the APR and balance do not vary in one year). Interest paid monthly. Exclusive offer for new customers.
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Show/Hide legal text2 Set up automatic payments for a payroll, pension, unemployment benefit or self-employed Social Security fee.
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Show/Hide legal text3 5% interest-bearing accounts: Offer valid until -. 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 text4 If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - 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 text5
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 - 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.