MANAGE OR REJECT COOKIES.
Only for the accounts
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.
FEE-FREE PENSION ACCOUNT
Get up to €340 the first two years. And no fees.
Offer valid until 40,000 new accounts have been opened.
Pension Account terms and conditions
Pension Account terms and conditions
Pension account terms and conditions
The interest paid into the pension account is 4.94% nominal in the first year (5% AER). During the second year, the nominal interest will be 1.99% (2% AER). The AER has been calculated on the basis that there are no fees with the pension account. The amount resulting from each half-yearly settlement is treated as a capital gain and is therefore subject to the withholding percentage stipulated in the applicable tax regulations.
The maximum daily balance that bears interest cannot exceed €5,000, regardless of whether more than one pension is paid into the account.
The account will start to bear interest as soon as the first pension income is received for an amount equal to or greater than the amount declared on the account application form.
Eligibility for the promotion perks
Always open a pension account within the promotion dates. You must be an individual living in Spain with a monthly pension of least €800, you may not have previously benefited from this remuneration, and you may not have held a salary/pension/business account at Bankinter in the 12 months before opening this new account.
Register as a customer and open your pension account before the end of the promotion period.
You need to set up at least three direct debits per quarter in your pension account.
You have three months from opening your pension account to make your first deposit. Otherwise the account will not be treated as a pension account and you will lose the related perks, products and services.
This promotion is not available to Bankinter Group employees and agents.
Pension income is considered valid if it is received by cheque or transfer, but not if it comes from the account holder. Cash income is not taken into account and but the sum of pensions is valid for these purposes.
What documentation do I need to open my Pension Account?
Photocopy of the tax ID number (NIF) of the owners of the account.
Photocopy of the last pension.
What do I have to do to move my direct debits to my new account?
Very little. You just have to provide us with a copy of each of them and sign the authorisation document to change the direct debit. The bank will take care of the rest. You can do this in any of our branches or using Telephone Banking, by providing us with the data: 91 657 88 00.
Can I withdraw cash with my card?
You can withdraw cash from your account without a fee3 from more than 17,000 ATMs, In all: Bankinter, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and España Duero.
Can I have a cheque book?
Yes, you can request one at no charge.
Can a customer have more than one Pension Account?
Yes, meeting the requirements of both accounts, up to a maximum of two Pension Accounts (the holder who receives the payment has to be indicated; a person can only be included in an account as a holder who receives payments) or a Pension Account + a Non-Payroll Account. A customer may only be the holder of one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is understood to be a current account that has special financial conditions such as free credit cards and no fees. This limit will also apply to any other interest-bearing or bonus account, or account with special conditions, that Bankinter may offer in the future.
1Pension 5%: Promotion valid until 30/06/2021 or until a maximum of 40,000 new accounts have been opened for new customers and existing customers with a pension of at least €800 which is not currently paid into Bankinter, who are individuals living in Spain, who have not previously benefited from this remuneration at any time, and who have not held a Salary/Pension/Business account at Bankinter in the 12 months before opening this new account. A customer may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account means a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fee and no account fees. The maximum interest-bearing balance is €5,000. First year: nominal annual interest rate of 4.94% (5% AER). Second year: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance in a Pension account of €5,000, calculated for an interest payment period of 180 days (gross return): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. To unlock and keep the perks of our Pension account, you need to maintain your declared level of income and pay at least three direct debits per quarter. In the case of the Pension account, no purchases are required with the linked credit card. You have three months from opening your pension account to make your first deposit, which must be at least the amount declared as your pension (cash deposits are not acceptable for this purpose).
Show/Hide legal text
Card issued and financing offered by Bankinter Consumer Finance, E.F.C., S.A., a hybrid payment entity with a safeguard system consisting of the deposit of the funds in a separate current account opened at Bankinter, S.A., registered with Banco de España under number 8832, with registered office at 12 Avda. de Bruselas, 28108, Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with Tax ID Number A82650672.
Show/Hide legal text
Bankinter will not charge you any fees for debit cash withdrawals, regardless of the amount withdrawn, provided that you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontiyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and España Duero.
Bankinter has the solution
Want to find out more about our accounts? Let's talk.
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereinafter referred to as 'Bankinter') with Tax ID No. A28157360 and registered office at Paseo de la Castellana 29 (28046 Madrid).
2. For what purposes do we process your data?
The data you provide us with will be processed to receive information about the corresponding request and, as applicable, formally enter into a contract for the product of interest to you.
3. What are the legitimate bases for processing your data?
The legal basis for fulfilling the purpose set out in the above section will be the processing of the request for information. Therefore, any refusal to supply the personal data requested, or the submission of inaccurate or incomplete data, could therefore render it impossible to provide you with the service. Customers are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter of any modification thereof.
4. Who will receive your data?
The data provided will not be transferred to third parties, unless there is a legally obligation to do so.
5. For how long will we process your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights at any time to access, rectification, erasure, opposition, restriction of processing and portability of the data in the circumstances and scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operaciones- Protección de Datos. Calle Pico San Pedro, 1. Tres Cantos. Madrid. 28760, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can I obtain further information about data processing?
You can get further information about how Bankinter processes your data at this