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.

#ACCOUNT 22

Are you under 22?

Then we have an account for you where you won't pay a thing.
Nothing at all.
cuenta_22_grande

Pay nothing
but get a lot.

No fees

An account you can use to manage your money better and, best of all, without paying fees: the more money comes in, the more you have.

No conditions

There are no special conditions or obligations with #Account 22. No minimum amount required, no direct debits for bills... Nothing.

Discover our varied offer of investment funds and choose from a wide range of options in the main markets and sectors.

BK Multiselección Defensivo, FI1

Fund with a medium/low risk profile. Invests a maximum of 10% in global equities.
view factsheet

BK Multiselección Conservador, FI2

Fund with a medium/high risk profile. Invests a maximum of 30% in global equities.

view factsheet

BK Multiselección Dinámica, FI3

Fund with high risk profile. Invests a maximum of 75% in global equities.

view factsheet

Past returns do not guarantee future ones. The value of investment funds can fall as well as rise, and you may get back less than you invested.

Plus...

See Terms and conditions of the #Account 22 account Terms and conditions of the #Account 22 account

Requirements for the #Account 22 account

You can open an #Account 22 account if you are under 22 years old and are an individual who is resident in Spain. Parents or legal guardians may open the account on behalf of minors.

When you reach 22, the account can be changed into another that is more suitable for your needs. However, you can keep the account until you are 25 years old. When you reach 25, the account will cease to be classified as a Youth Account and will start to charge a maintenance fee.

You can only have one #Account 22 account.

This is not an interest-bearing account and has no maintenance fee.

Fee for national transfers by Internet: €0.

Free credit or debit card Optional.

Fully functional: total liquidity, direct debits, payments, collections, etc.

See FAQs FAQs

What documentation do I need to open #Cuenta 22?

All you need is a photocopy of your ID card. 

If the account holder is a minor, a photocopy of the ID card, or Tax ID number— a document issued by the Spanish Tax Agency, which will be the minor's Tax ID no. up to the age of 14 years, when the ID card will be mandatory.

Do I have to have a minimum income paid into the account?

No, you do not need to have a minimum income or a minimum balance for #Cuenta 22.

Do I have to pay bills by direct debit?

No, although if you want them to be paid by direct debit you can do so as in any current account.

Can a child have a card?

Debit cards: yes, from the age of 14, the parent or guardian can apply for a beneficiary card of his or her main card associated with #Cuenta 22. The parent/guardian establish daily limits on card withdrawals charged to the child's #Cuenta 22. In this case, the parent/guardian's primary card will be free, but not others. 

Credit cards: a minor cannot hold a credit card holder until he/she becomes an adult. The parent/guardian can apply for a beneficiary card of the card he/she owns for a child of older than 14 years old only if the parent/guardian is also the owner (co-owner) of #Cuenta 22. The parent/guardian sets daily limits on card disbursements charged to the child's #Cuenta 22. In this case, the parent/guardian's primary card will be free, but not others.

Can I open a #Cuenta 22 for a child if he/she is not my child?

You can only open the account if you are the legal guardian.

Bankinter has the solution

We’re here to answer your banking queries and provide you with technical support.

More information
901 13 13 13
ATMs and branches