Interest-bearing salary account with no fees

Promotion valid for new customers and existing customers who 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.

If this account isn't for you or you don't meet these conditions, you are sure to find another option in our offering that suits your situation.

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.

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 in 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 pause the process, you can resume it whenever you want.

And if you change your mind, you 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.

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.

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 only need to set up three direct debit per quarter. And they can be for anything you want: electricity, gas, rent, school, residents' association... it's up to you.

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.

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.

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, 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.