Skip to contents
Only for the account
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.
Each investment fund has its own risk flag, which may be higher.

Mini account

Because the little ones... always win!

Mini Account is our account for young big savers, But it is also for you, as it is designed to help you build the savings that, sooner or later, you are definitely going to need for them, such as Erasmus or university.

  • No fees.
  • No need to set up any direct debits.
  • No monthly payments required.
  • An account with total liquidity.
  • Fully functional: payments, charges...
Cuenta de ahorros para niños o infantil de Bankinter
Portrait of a little boy shouting isolated over orange background; Shutterstock ID 599870144; Purchase Order: -

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.
Of course, parents or legal guardians will have to apply to open the account.
The same person may only hold one Mini Account.

5% Plan2

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?

Children younger than 14 will need a photocopy of their ID card, or Tax ID number issued by the Tax Agency. This document is used to identify the minor until he/she reaches the age of 14, after which the ID card will be needed. In either case, the family book (libro de familia) will also be necessary.

Can I open a Mini account for a child if he/she is not my child?

You can only open it if you are the child's legal guardian.

What happens to the Mini account when the child turns 18?

The account will automatically become a Youth account, with the same account number and the same features. You will not have to change direct debits. All you'll need to do is sign to give consent and ask for the remote banking passwords that you (as an adult) will use to access these services.

Do I have to pay bills by direct debit?

No, you don't have to, though you can if you want to, as long as the bill has some connection to the child's expenses.

Can a minor have a debit card?

Minors cannot be debit card holders except if they are emancipated (from age 16). However, parents or legal guardians may ask for a beneficiary card based on theirs, and may set limits on the use of it.