Cards

Transaction limit

• Credit drawdowns
  

  For purchases: daily and monthly limit of €2000

  At ATMs: the daily limit is €1000 and the monthly limit is €2000.

• Debit withdrawals

At ATMs: you can withdraw up to €18,000 per month, provided your account has sufficient balance.

Payment method

This card only allows for the end-of-month payment option.

• Card exempt from maintenance fee: All disbursements made up until the closing date of the settlement period will be charged to your associated account, interest free (0% NIR; 0% AER), on the date scheduled for payment.
• Card not exempt from maintenance fee: All disbursements made up until the closing date of the settlement period will be charged to your associated account, interest free (0.00% NIR; 3.43% APR (the APR indicated has been calculated for purchases in stores. It could be higher for the other credit options).

You can defer certain payments with the end of month payment method:

• Special Instalment Payment Method (Split Purchases): this allows you to defer the payment of a transaction (or the sum of several) or withdrawals from the Money to your Account service, for an amount equal to or greater than 90 euros, without the other purchases being deferred as well. You can decide the amount of the instalment to pay each month, or the number of months from a minimum of 3 months to a maximum of 36 months.
• Special deferred payment in stores method: in stores that offer the possibility of deferring payment of the purchases made, at the moment of purchase, you can opt to split payment into 3, 6, 9 or 12-month fixed instalments, or not split it.

Representative examples

A) GENERAL PAYMENT METHODS

a. END-OF-MONTH PAYMENT: 3.43% APR (0.00% NIR). The APR indicated has been calculated for purchases in stores. It could be higher for the other credit options. Representative Example*. If, from the first day the contract takes effect, you make purchases of €1,500 each month for 12 months, to be repaid at the end of each Settlement Period, with a Card maintenance fee of €50 and a fixed annual nominal interest rate of 0.00% (3.43% APR): the total amount payable would be €18,050 (€18,000 principal and €50 fees), comprising an initial instalment of €1,500 (€1,500 principal), a second instalment of €1,550 (€1,500 principal and €50 fees) and 10 monthly instalments of €1,500 (€1,500 principal). Total cost: €50. French amortisation system.

b. END-OF-MONTH PAYMENT: if you have a Salary Account, Pension Account, Professional Account, Youth Salary Account, Non-salary Account or Tú y Yo Account, or meet any of the other requirements for exemption from fees: 0.00% APR (0.00% NIR). The APR indicated has been calculated for purchases in stores. It could be higher for the other credit options. Representative Example*. If, from the first day the contract is in force, you make purchases of €1,500 over 12 months, to be repaid at the end of each settlement period, with a fixed annual nominal interest rate of 0.00% (0.00% APR): the total amount to be paid would be €18,000, via 12 monthly instalments of €1,500. Total cost: €0. French amortisation system.

B) SPECIAL PAYMENT METHODS

a. PAYMENT IN INSTALMENTS ("SPLIT PURCHASES"):19.00% APR (17.52% NIR). The APR shown may vary depending on the day of the month the product was arranged. Representative Example*. If, on the first day of the contract's validity, you make a withdrawal of €1,500, to be repaid within 12 months under the equal instalments system and at a fixed annual nominal interest rate of 17.52% (19.00% APR): The total amount to be paid would be €1,656.48 (€1,500 principal and €156.48 interest), through a first instalment of €21.90 consisting exclusively of interest, 10 monthly instalments of €148.60 (the first of these 10 instalments being composed of €126.70 in principal and €21.90 interest) and a final instalment of €148.58 (€146.44 principal and €2.14 interest). Total cost: €156.48. French amortisation system.

b. DEFERRED PAYMENT IN STORES:19.00% APR (17.52% TIN). The APR shown may vary depending on the day of the month the product was arranged. Representative Example*. If you make a withdrawal of €1,500 on the first day of the settlement period, to be amortised over a period of 12 months under the equal instalments system at a fixed annual nominal interest rate of 17.52% (19.00% APR): The total amount payable would be €1,646.15 (€1,500 principal and €146.15 interest), through 11 monthly instalments of €137.18 (with the first of these 11 instalments comprising €115.28 in principal and €21.90 interest) and a final instalment of €137.17 (€135.20 principal and €1.97 interest). Total cost: €146.15. French amortisation system.

*The representative examples have been prepared pursuant to the requirements established in Appendix I to Law 16/2011, of 24 June, on consumer credit agreements and as indicated in Banco de España Circular 5/2012, of 27 June, taking into account the calculation hypotheses set out in the General Conditions of the Agreement.

Committees

• No issuance fees.
• Maintenance fee.

First year: €0. Remaining years: €50/year. This fee will not be charged if any of the following three situations apply:

• If the card is linked to and remains associated with a Salary Account, Business Account, Pension Account, Youth Salary Account, Non-salary Account or Tú y Yo Account during the previous calendar year (from 1 January to 31 December).
• If, at least once during the year immediately preceding the year in which the fee is due, you have deferred or split the repayment of any of the amounts drawn down using the special “"Pay in Instalments" (Split Purchases)” or “"Deferred Payment in Shops"” options.
• If, during the previous calendar year (from 1 January to 31 December), you have made net purchases totalling at least 9,000 euros, including spending on both the primary card and any supplementary cards.

• Fee for ATM withdrawals:
  • debit withdrawals at Bankinter ATMs or within the network of partner banks in Spain: 0%
  • debit withdrawals at non-partner banks in Spain: In the event that a cash withdrawal is made at an ATM not belonging to Bankinter or one of its partner institutions, Bankinter may charge to the cardholder 100% of the debit withdrawal fee charged to Bankinter by the institution that owns the ATM. The fee accrues at the time of the cash withdrawal and is settled on the date the cash withdrawal is debited to the account.
  • Credit: 4%, subject to a minimum of €3.

• International network usage fee: This fee consists of applying a rate of 3.00% to the amount of any ATM withdrawals, in-store purchases or online purchases made using the card in territories outside the SEPA (Single Euro Payments Area).

The SEPA zone consists of 36 countries that share the same rules for processing transfers, direct debits and card payments in euros. That means transferring money between two SEPA accounts is treated the same as a domestic transaction.

As of June 2026, the SEPA zone comprises 36 countries: 27 in the European Union and 9 that are not part of the EU. Among these 36, 20 countries use the euro; the others apply SEPA, even though their local currency is different.

EU Member States that use the euro (20):

• Austria, Belgium, Croatia, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Portugal, Slovakia, Slovenia, Spain.

EU countries that do not use the euro (7):

• Bulgaria, Czech Republic, Denmark, Hungary, Poland, Romania, Sweden.

Non-EU countries participating in SEPA (9):

• Andorra, Iceland, Liechtenstein, Monaco, Norway, San Marino, Switzerland, United Kingdom, Vatican City.

During the first year after opening the account, and provided the card is linked to a Bankinter Salary Account, Business Account, Pension Account or Youth Salary Account, Bankinter will not charge you a fee for using international networks on in-store or online purchases made outside the SEPA area, and you will be able to make up to three debit card withdrawals per year from overseas ATMs without Bankinter charging a fee for using international networks, up to a combined maximum amount of 1,000 euros. Withdrawals that exceed these limits will be charged in accordance with the card’s prevailing terms and conditions.

From the second year onwards, to maintain this exemption, in addition to keeping the card linked to a Salary Account, Business Account, Pension Account or Youth Salary Account, during the previous calendar year (from 1 January to 31 December), you must have made net purchases settled for a minimum amount of €9,000, combining the spending on the primary card and any additional cards.

The exemption (both during the first year and from the second year onwards) applies exclusively to the fee for the use of international networks payable to Bankinter, and does not include any surcharges that may be applied by the merchant or the owner of the ATM, or the currency exchange fee.

• Fee for exceeding the credit limit for the cards: a fixed fee of €20.00 will apply.

Cashback on subscriptions

This card offers 5 % cashback on the cost of certain digital entertainment subscriptions. These subscriptions will be those determined by Bankinter at any given time and included in the current list available for public consultation on the Bank's website (bankinter.com).

You may enjoy cashback during the first year without meeting any conditions, but to maintain it from the second year onwards, you must have spent, in the previous calendar year (from 1 January to 31 December), a minimum of 9,000 euros in settled net purchases, combining the spending of the primary card and any supplementary cards.

Any total amount generated will be credited in a single payment during January of the following year to the Bankinter account linked to the card, up to a maximum of €100 per year.

Insurance

The card includes free accident insurance up to €500,000, as well as travel assistance insurance.

Read the terms and conditions here: 

Accident insurance (AF3)
Travel assistance insurance