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Bankinter, S.A. is a member of the Deposit Guarantee Fund of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.
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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

100% Digital
  • 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

More with your salary
  • Up to 5% AER3
  • With zero fees
  • Debit or credit card 4
  • +2 FREE accounts

Business account

You can also ask for one if you are self-employed.
  • Up to 5% AER3
  • With zero fees
  • Debit or credit card4
  • +2 FREE accounts

Non-Salary Account

If you don't have a regular income
  • Up to 5% AER3
  • With zero fees
  • Credit card
  • +2 FREE accounts

Youth Salary account

If you have a salary and are under 31 years old
  • Up to 5% AER6
  • Debit or credit card4
  • No need to set up any direct debits
  • +2 FREE accounts

Pension Account

If you're a pensioner, it's time to enjoy yourself
  • Up to 5% AER3
  • With zero fees
  • Debit or credit card4
  • +2 FREE accounts

Cuenta Bróker

Remuneración en función de tu operativa en bolsa
  • 2% TAE de rentabilidad6
  • Sin comisión de mantenimiento
  • Primera liquidación garantizada

Basic Account

An account for special situations
  • All the most common transactions
  • Payment transactions within the European Union

Youth Account

For ages 18 to 24
  • No fees
  • Debit card
  • Discount Programme
cuentas bancarias bankinter

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?

Find out all the answers to your questions on how to open your account online.

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.

Bankinter has the solution

Want to find out more about our accounts? Let's talk.

More information
900 816 833
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