A current account that yields 5% in the 1st year? It sounds like a prank, but it is not.

- Interests calculated up to max of 10.000€ c/account balance.
- Interest rate valid for the first two years and minimum tenure of 6 months.
- You’ll need to monthly transfer to your c/account a minimum of 800€.
- No interest will be payed if simultaneously Bankinter Mortgage holder or if you miss to comply to minimum 5 with credite card purchases by semester. 

Interests from the Bankinter Current Account ‘Conta Mais Ordenado’

Interests are calculated based on daily account balance up to maximum amount of 10.000€ during first 2 years starting at contract date with minimum 6 months tenure.

Remuneration calculated for a balance of 10,000 euros for a term of 2 years at an Annual Nominal Gross Rate of 5% in the 1st year and 2% in the 2nd year, corresponding to an Annual Nominal Net Rate of 3.60% and 1.44%, respectively. For the calculation of the Annual Nominal Net Rate, a withholding tax of 28% is considered.

Interest rate requirements: not applicable if mortgage holder associated to this account, holder of active credit card with minimum of 5 purchases in the period.

Products and Services

What you will benefit?

- Exemption of account maintenance fee; 
- Intrabank credit transfers (internal) and unlimited national SEPA + credit transfers (interbank)¹, without debit notice, made at Bankinter Particulares (online);
- Access to the Bankinter Consumer Finance BK Power credit card (Annual Percentage Rate of Charge (APR): 16,9%)² that does not charge a credit card fee (annuity); 
- Overdraft facility: possibility of access to salary credit³ , provided that it is held with Bankinter.

Conditions for Accessing and Maintaining the Current Account Bankinter ‘Conta Mais Ordenado’

Access to the advantages of the Conta Mais Ordenado depends on regular and monthly compliance with the cumulative conditions described below:

Transfers / Credit of Salary (or pension/retirement) of a value equal to or higher than €800 verified, in at least 2 in every 3 months, through bank transfer with specific code for this purpose or credit movements arising from: cash deposit(s), cheque(s), national or international SEPA + credit transfers, including via the Multibanco network (ATM), provided that they come from another Credit Institution. The first credit must take place no later than 4 months after the subscription date.

 Each Customer can only be the 1st holder of a single Conta Mais Ordenado.

* Remuneration calculated for a balance of 10,000 euros for a term of 2 years at an Annual Nominal Gross Rate of 5% in the 1st year and 2% in the 2nd year, corresponding to an Annual Nominal Net Rate of 3.60% and 1.44%, respectively. For the calculation of the Annual Nominal Net Rate, a withholding tax of 28% is considered.
  
** Gross Annual Nominal Rate of 5% in the 1st year and 2% in the 2nd year. Half-yearly remuneration calculated on the daily balances of the Conta Mais Ordenado, up to a maximum daily balance of 5,000 euros, during the first 2 years of the contract, as of the subscription date. Failure to meet the required access condition implies the termination of the Salary Plus Account with the consequent loss of interest remuneration. There are no minimum or maximum amounts for opening or maintaining an account. The remuneration will only apply if the Account has no mortgage products associated and if the Account has an active Credit Card with at least 5 credit purchases during the interest cycle.
1 Excludes SEPA credit transfers + International, immediate, Swift, urgent and Target credit transfers.
2 Subject to analysis and approval by Bankinter Consumer Finance E.F.C., S.A. - Sucursal em Portugal. Financing product of Bankinter Consumer Finance E.F.C., S.A. - Sucursal em Portugal. Bankinter, S.A. - Sucursal em Portugal, registered with the Bank of Portugal under no. 269, acts as the tied credit intermediary of Bankinter Consumer Finance E.F.C., S.A. - Sucursal em Portugal. This does not dispense with consulting the pre-contractual and contractual information legally required from Bankinter.
3 Subject to the Bank's review and approval.
This does not dispense with consulting the pre-contractual and contractual information legally required from Bankinter, S.A. - Sucursal em Portugal, registered with the Bank of Portugal under no. 269.