1 /6
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
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.

Pay less, earn more.

Bk Payroll provides you with the most common services, completely free of charge.

Who'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.

Everything you want, easier and on your mobile.

Because earning more also means gaining in terms of convenience, and saving time.

Bk Payroll is much more than an account.

Our job is to get you more for your money.

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.
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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.
Find out more

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.


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.