Fee-free NON-Salary account

To open and get a return on the Non-Salary Account, you need to meet these conditions:

• Be a natural person (not a company) and live in Spain.
• Be a new customer, or if you are already a customer: not have held a Salary/Pension/Business/Non-Salary/Youth Salary account in the past year and not have received interest on it.
• Keep your new card active by spending at least €3,000 per year on purchases (spread out however you like, such as one expenditure of €3,000 or more or several expenditures throughout the year that add up to at least that amount).
• Pay 10 bills per quarter (all 10 in one month, 4 per month... whatever suits you best). They don't need to be from different issuers and we accept any bill: gym, rent, school, electricity, gas…

If this account is not for you or you don't meet these conditions, you will surely find another option in our range that suits your circumstances and allows you to access another interest-bearing account with special services: Salary Account, Business Account, Pension Account, etc.

If you cancel your account (whether it's a Salary/Youth/Non-Salary, Pension or Business Account), you will automatically give up the benefits. However, if you no longer meet the requirements, you will still be able to access and operate from your account but you will no longer get interest on it.

The payment will be made automatically every six months from the date you open the account. Remember, the maximum interest-bearing balance is €10,000€ and you will get 5% AER the first year and 2% AER the second year.

When you open your new account (whether a Salary, Non-Salary, Pension or Business Account), we also give you the option of opening two current accounts per holder, free of charge and with no maintenance fee.

Yes, but there are two conditions:

• More than 12 months must have passed since you closed your Salary/Pension/Business/Non-Salary/Youth account.
• You must never have received interest on those accounts.

Yes, providing the requirements of both accounts are met, you can have a maximum of two, i.e. a Salary/Pension/Business account + a Non-Salary account; or two Non-Salary accounts. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts.

For these purposes, a bonus current account means a current account with special financial terms and conditions (such as credit cards without any issuance or maintenance fees). This limit will also apply to any other interest-bearing or bonus account, or account with special conditions, that Bankinter may offer in the future.

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.

If you'd like to open the account with three or more account holders, please contact us.

With our new direct debit management service, all you have to do is set up direct debits for your bills. It takes less than three minutes and you can do it on any device. No need to visit a branch.

Yes, they are compatible with the possible interest payment and all the other benefits of the Salary, Non-Salary, Pension and Business accounts that qualify for the €0 maintenance fee and free credit card.

You will need to set up 10 direct debits per quarter. It could be electricity, rent, gas, school, residents' association... whatever you want. The issuers don't all have to be different and you can organise the payments however you want (10 all in one month, 4 per month, etc.).

You can use make cash withdrawals without a fee at more than 17,000 ATMs. At all those belonging to Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet, as well as the ATMs of the entire Euro 6000 network: CajaSur, CECABANK, Cashzone, Caixa Ontinyent, Unicaja., Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

When you open your Salary or Non-Salary Account online, you will be assigned a debit card or a credit card, depending on your personal characteristics.

To get and keep your card you will have to deposit at least €633 into your Non-Salary account during the first two months. You can do this any way you like (transfer, cash, cheque).

Your account will yield interest in the first two years. After that, you won't get interest anymore but you will still get all the other benefits of the Salary Account. You'll keep your free card and the two additional current accounts included in the promotion, which you can open for free and add anyone you want as joint holder. We'll continue to waive fees for maintenance, cash withdrawals from our ATM network and debit transfers in Spain and the EU, so you could still save around €70 per year.

Yes, you can get interest if you meet the following conditions:

• Be a natural person (not a company) and live in Spain.
• Not have been the holder of a Salary/Pension/Business/Non-Salary/Youth Salary Account during the last 12 months.
• Not have received interest on any of these accounts.
• Deposit a salary of at least €800 net into the account per month.
• Make three payments (any amount) with your new card per quarter.
• Set up at least three direct debits per quarter.