None! This is an account with no fees, no minimum term and no requirements: you don't need to deposit your salary, set up direct debits for bills or make card payments each month. You just need to be a new customer to open your online account and start enjoying all these benefits, and with no upper limit on the interest-bearing balance.

Below we explain what an online interest-bearing account is. As its name suggests, this is a banking product that you can arrange fully online, i.e. in just a few steps and the necessary documentation to hand, you can open the account in a matter of minutes.

A digital interest-bearing account is a financial product that doesn't only let you carry out your usual daily transactions, such as setting up a direct deposit for your salary, pension and other income, direct debits for bills, transferring money, using Bizum or withdrawing cash. It also gives you the opportunity to generate interest on the balance deposited in the account, which means that it's an interest-bearing account. In other words: the amount or balance you keep in the account produces a periodic return, like you get with a deposit but with the flexibility of a traditional current account.

The interest yielded by the account can be fixed or variable and is calculated on the average balance you have in your account or the maximum set by the Bank. In general, the interest generated is usually settled on a monthly or quarterly basis.

The online or digital interest-bearing account is ideal for depositing your salary or pension, as it offers a mix of availability and profitability, providing an efficient alternative to benefit from your income.

Each month, on the day after the date you opened your account, we will deposit the amount you have earned. For example, if you opened your account on 25 March 2026, you'll receive credit of the interest earned on the 26th of each month. If that day falls on a weekend or public holiday, the interest will be credited on the next business day.

Yes, you will have access to your money at all times. Withdraw or transfer any amount with complete flexibility and as many times as you want. And with no penalty.

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.

Yes, there can be multiple account holders: 

• To add a second account holder, you can invite another person to be a joint holder during the registration process. Please note that both account holders must digitally sign the contract in order to open the account.

When you open your Digital Smart Account you will have access to our Switch to Bankinter service. With this service, the change will be easy, fast and 100% digital. You can either move the entire account over or selected direct debits, all as part of the same process and with no paperwork involved. We will guide you step-by-step, and of course, we will not charge you a fee.

The Digital Account is for new customers only.

If you're already a customer, you have a wide range of products at your disposal: Accounts, deposits, loans etc.

If you have any questions or would like more information, you can speak to your manager.