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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, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor per institution.
Each investment fund has its own risk flag, which may be higher.

Mini Account

Because the little ones... always win!

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

  • No fees
  • No monthly payments required.
  • An account with total liquidity.
  • Fully functional: payments, collections...
cuentas para jovenes bankinter

Yes, they do win.!

With the Mini account just concentrate on saving.

No maintenance fees

So it's all savings. Because you won't pay any maintenance fees with the Mini account. NIR: 0% (AER:0%).

Debit card

No issuance or maintenance fee. It is not compulsory, but, if you think it might ever be useful, you have it.

Free transfers

There is no fee for any domestic and EU transfers in euros via our website or app.

Who can open a Mini account?

To open a Mini account you need to be aged between 0 and under 17 and live in Spain.
Naturally, the parents or legal guardians have to apply to open the account in their name and they must be Bankinter customers.
The same person may only hold one Mini Account.

5% Plan2

cuentas para jovenes bankinter

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.

For example:

  • Let's start with an initial subscription of €1,000.
  • We will set up a regular monthly contribution of €50, and let's assume that we keep this up for 23 months.
  • After the first year of month payments, you will have: 4,17€. Total annual bonus: 50,04€.
  • After the second year of month payments, you will have: 1,67€. Total annual bonus: 20,04€.

Let's learn together.

As well as all the usual Bankinter services, you will be able to access a special range designed for Mini account holders.

Transfer pocket money

Do it their way – 100% digital. But your way as well to teach them how to manage their money. With our new “'Pocket Money'” service you can make an automatic payment to your children every week, every month or however often you want and send it directly to their Mini account.

Money Town

A fun educational game about finances. This educational game will teach you basic concepts such as saving, spending and how to manage your money responsibly. Simulate personal financial situations and find out the consequences of your decisions.

Bizum for Kids

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

Programa Descuentos

I need... I want ... it is too small for me...

They may small, but you get so much out of them! By opening the Mini Account, you will get access to our discount programme. Just sign up and you will get access to direct discounts and bonuses with fashion, computers, cinema, shows, theme parks. For them and for you too, of course.

Find out more about descuentos
bk descuentos
Happy child wearing 3d glasses. Surprised girl against yellow background. Cinema and movie time concept; Shutterstock ID 1577368147; Purchase Order: Trabajos web BK; Job: Simulador pensiones; Client/Licensee: Bankinter

Giving you total peace of mind.

As nothing can stop your little ones from getting older, we have created two services which they can use as they grow up, with your eye constantly over them,

Card spending control

Using a card gives your children a sense of independence, but it is also secure because you are the one who sets and changes the limits whenever you want and as many times as you want.

Read-only passwords

Read-only access to the account on the website and app. An entertaining way for children to learn how a bank account works, with the peace of mind of knowing they can't actually perform any transactions.


What documents do I need to open a Mini Account?

In the case of minors who live in Spain and are Spanish nationals, their DNI or provisional TIN and family book, or digital birth certificate (issued in the past 30 days).

For minors who live in Spain and are foreign nationals, their NIE and birth certificate issued by an embassy in the past 30 days.

Plus, the DNI, TIN or NIE of their parents or legal representative. Parents must be Bankinter customers and when the account is opened they can both choose to be legal guardians for it or just one of them, provided they have custody of the child.

Can I open a Mini Account for a child who is not my son or daughter?

You can only open it if you are the minor's parent or, failing that, their legal representative. Once the account has been opened, anyone can make deposits to help them start their financial planning. For example, grandparents, godparents and aunts and uncles can pay money into the account to get them started with their savings.

What happens when the minor turns 18?

The Mini Account will automatically change to the Youth Account with the same conditions, so it will still be free and the account number will remain the same, plus any linked products. At that point the parent or legal guardian will disappear from the account, although they may remain as an authorised party if the holder wishes them to do so. This is also the point where the holder will have operational passwords to carry out transactions in all online and in-person channels.

Can direct debits be set up?

Yes, the Mini Account is a fully operational account so you set up direct debits. However, they must be related to the minor's expenses.

Can a minor have a debit card?

Minors cannot be debit card holders unless they are emancipated (from age 16). However, parents or legal guardians may request a beneficiary card for the Mini Account, based on their own card, and set limits for its use.