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1 /6

This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.

Bankinter is a member of the Spanish Deposit Guarantee Fund for Credit Institutions, ensuring up to €100,000 per depositor and institution.

Each investment fund has its own risk flag, which may be higher.

Children's bank account

Mini Account

The account that grows with them

Introducing the Mini Account, our account for the littlest big savers. It's also designed for you, to help you build the savings that you're bound to need for them sooner or later: Erasmus or university.

No fees or commissions (0% Nominal Interest Rate; 0% APR)^EXAMPLE.
With total liquidity.

OPEN A MINI ACCOUNT

Advantages of the Bankinter children's account

Full control from the app and the web platform

Check your balance, view your transactions, and manage your account easily and securely.

Read-only passwords

Your child may be given credentials to access the website and app, but only with consultative (view-only) permissions. They will not be able to operate with their account.

Pocket money payments

You can set up automatic payments at whatever frequency suits you: Weekly, monthly, and send it straight to their Mini Account.

Debit card

No issuance or maintenance fees. It’s not mandatory, but if you’re over 14 years old and think it might be useful at some point, you can apply for it online.

Card spending control

Set and modify your card spending limits at any time and as often as you like.

Investment services

Invest today in your children's future with Bankinter Roboadvisor, a digital investment management service also available for minors with a minimum investment of €1,000.

Find out more

It couldn't be easier:

Online:

From your global position on bankinter.com.
Click on the three dots that appear to the right of the Mini Account.
Click on "Apply for card".

Bizum for minors

They'll love this secure way to send and receive money through their phone. Available from age 14.

Find out more

Discounts Programme

Enjoy direct discounts and bonuses on fashion, computers, cinema tickets, shows and theme park entry. And that's not just for them, it's for you too!

Find out more

Money Town

A fun financial education game that simulates real-life financial situations so you can discover the consequences of your decisions.

Find out more

Who can open a Mini account?

To be eligible for a Mini Account, you must be under 18 and live in Spain, and your parent or legal guardian must be a customer of Bankinter.

Of course, parents or legal guardians will have to apply to open the account on the minor's behalf.

The same person may only hold one Mini Account.

5% Plan

A plan to invest in your children and in their futures.

A plan that rewards the contributions that you make from your Mini Account to investment funds distributed by Bankinter and linked to that account. Every month that you contribute a minimum of €50, you will receive a monthly reward paid into your Mini Account.

Up to 5% annual for the first year.
Up to 2% annual during the second year.
Paid monthly and always on the fund balance accumulated since the plan was activated, with a maximum of €1,000.
No obligations: if you don't make any contributions for one month, you will not receive the reward.

Remember:

Investment funds can lead to a loss of capital.
This promotion is valid for all Mini and Youth accounts opened before -.

For example:

Let's start with an initial subscription of €1,000.
We will set up a scheduled regular monthly contribution of €50, and let's assume that we keep this up for the following 23 months.
After the first year of month payments, you will have: €4.17. Total annual bonus: €50.04.
After the second year of monthly payments, you will have: €1.67. Total annual bonus: €20.04.