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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...
OPEN A MINI ACCOUNT

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%).

Free instant transfers

All transfers are free and immediate for individuals via the web within the EU.

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".

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.

Do you know about Bizum for minors? If they're old enough for a mobile phone, they're old enough to use Bizum.

Find out more

5% Plan

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.

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 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€.

Would you like us to tell you how to activate the 5% Plan and make regular contributions?

YES, TELL ME

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

Content 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

Content 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.
Get in the game

Bizum for Kids

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

Find out more about bizum for kids

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.

FAQs

See What are the requirements for opening a Mini Account? What are the requirements for opening a Mini Account?

There are just three conditions:

  • Be aged between 0 and 17
  • Be resident in Spain
  • Have a parent or legal guardian who is a Bankinter customer

And that's it! The parents or legal guardians have to apply to open the account.

See What documents do I need to open a Mini Account? What documents do I need to open a Mini Account?

  • For Spanish minors living in Spain: the provisional DNI or TIN and the family book or digital birth certificate (issued within the past 30 days).
  • For non-Spanish minors living in Spain: the minor's NIE and the birth certificate issued by an embassy (also within the past 30 days).

We will also need the DNI, TIN or NIE of their parents or legal representative, who must be Bankinter customers. 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).

See Can the Mini Account have two holders? Can the Mini Account have two holders?

No. The Mini Account can only have one holder. You can open a separate Mini Account for each of your children.

See Can a minor have a debit card? 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. The Mini Account includes a debit card with no issuance or maintenance fees, which you can request once you open the account.

See Can I withdraw cash with my card? Can I withdraw cash with my card?

Yes, you can withdraw cash from your account without a fee at more than 17,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deustche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet, as well as the entire Euro 6000 ATM network: CajaSur, CECABANK, Cashzone, Caixa Ontinyent, Unicaja, Colonya Caixa Pollença, ABANCA, Ibercaja and Kutxabank.

See Can I open a Mini Account for a child who is not my son or daughter? 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 planning for their financial future (this is very common with grandparents, godparents and aunts and uncles, etc).

See What happens when the minor turns 18? What happens when the minor turns 18?

The Mini Account will automatically change to the Youth Account with the same conditions (it will still be free and the account number will remain the same, with any linked products). At that point the parents or legal guardian have to disappear from the account, although they may remain 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.

See Can direct debits be set up? 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.

Important information

Do you need help?

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