Combo card

Whichever way you look at it, you’ll want it.

With the Combo card you get two cards in one, so you’ll always be able to choose the best payment method for your needs.

Two sides of the card, two ways to pay.

Paying for your purchases flexibly has never been easier.

Tarjeta Bankinter Combo

Two? One? Better still - two in one!

Two sides to the same card. Two forms of payment.

Two sides, two cards.

Combo 1 side

  • Use this side when you want to pay for your purchases at the end of the month.
Tarjeta de crédito para pagar poco a poco

Combo 2 side

  • Use this one when you prefer to pay for your purchases more comfortably, little by little.

Want to know how to pay with it?

It’s as easy as asking how you prefer to pay.


You can pay with Combo 1 in stores and restaurants, etc. by holding your card close to the reader. If you want to use Combo 2, you'll have to insert the card.

Bankinter Wallet

You'll have an image of each card so you'll always be able to choose which one you want to use.


If you need cash, that’s easy as well. Simply decide whether you want to use Combo 1 or Combo 2, and then whether you want cash from your account or on credit. If the ATM has contactless technology you can use Combo 1 without inserting the card.

A card for everyday and everything else.

For large purchases, small purchases, always on hand.

No annual fee

The Combo card is free for Payroll Account, Pension Account, Non-Salary Account customers.

Free cash withdrawals from 14,000 ATMs

You can withdraw cash from your account free of charge1 at all Bankinter ATMs and without a fee at all related banks using either side of the card.

2% cashback on your Combo 2 purchases

You get more because every year we’ll give you back 2% of all your purchases or payments with the Combo 2 side.

With all the smart services

Smart services let you adapt your cards to your own pace and needs.
Servicio Smart Cash

Smart Cash

Need some extra liquidity in your account? With Smart Cash you can transfer funds from your Combo card to your current account.

FIND OUT MORE about smart cash

Limit Management

Adapt your cards whenever and however you want. Increase the limit, reduce it, increase it again, transfer funds from your account to your card…
FIND OUT MORE about smart services

See Combo Card features Combo Card features

Issue and maintenance fee

No annual fee if you have a Payroll Account, Pension Account, Non-Salary Account or if you use the Combo 2 deferred payment card. Otherwise the fee will be a maximum of €60 for the first holder and €50 for the beneficiaries.

Card limits

  • For purchases, the limit for Combo 1 and Combo 2 is a maximum of €6,000 per day and per month depending on the card's available limit.
  • For ATM credit withdrawals, the limit for Combo 1 and Combo 2 is €1,000 per day and up to a maximum of €6,000 per month, depending on the card's available limit.
  • For ATM debit withdrawals, the limit for Combo 1 and Combo 2 is €1,000 per day and up to a maximum of €18,000 per month, if you have enough funds in your linked current account.

Annual nominal interest rate in:

Annual nominal interest rate in: (i) the Deferred Payment method: a) in Purchases, b) Cash withdrawals on credit at ATMs and c) in Transfer from cash to current account: 17.52% (19% A.E.R.). Representative examples assuming that the contract will remain in force for its entire duration and that the Parties will fulfil their obligations under the agreed terms and conditions. For a disbursement of €6,000 made on the 1st of the month, fixed instalment, to be paid in 12 months, assuming that no further withdrawals take place within this period. Annual fixed nominal interest rate: 17.52% (19% A.E:R.), with 11 monthly instalments of €548.71 and a final instalment of €548.73. Total amount payable: €6,584.54. (ii) In the End of Month Payment method: interest-free. (iii) In the Smart Purchase Payment method 17.52% (19% A.E.R.). Minimum amount €90 and term between 3 and 36 months. For a Smart Purchase of €500, made on the 1st of the month, with a repayment term of 12 months and with a N.I.R. of 17.52%, A.E.R. 19%; the first instalment, which includes only interest, will be €7.30, and the other 11 instalments will be €45.73 each, with a final instalment of €45.680. Total amount owed: € 556.01. The A.E.R. can vary depending on the selected term.


The Combo card comes with an accident insurance policy of up to 500,000 euros plus a travel insurance policy.
Read about its terms and conditions here: 
Accident insurance
Travel assistance insurance

Information of interest

Pursuant to EU laws in force, the Standard European Consumer Credit Information (SECCI) associated with the Combo card is shown below and quarterly information on the applicable fees and interest rates.

Financing offered by Bankinter Consumer Finance,. E.F.C., S.A., registered with the Bank of Spain 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 identification number A82650672.


How does the Combo card work?

The Combo card has two cards in one, so you can use the one that suits you best at all times. When you receive the card you'll see one number on the front (Combo 1) and another one on the back (Combo 2).

  • You can use the Combo 1 card for all your day-to-day purchases and pay at the end of the month.
  • And you can use your Combo 2 card to pay for everything else as you like and at your own pace. Plus we give you 2% cashback on everything you buy with the Combo 2 card. The amount will be credited to your card account in January of the following year.

What is the expiry date of the Combo card?

The two cards have the same expiry date, which you will find on both sides of the card.

Do I have a single PIN for both sides or cards?

Yes, you have a single PIN code to “authorise” purchases made with either of the two Combo cards.

Can I change my card PIN?

Yes. You can do this at any ATM that offers this option, and also at your branch.

I've forgotten my PIN. Can I retrieve it?

Yes. Go to the “Other operations” card menu on the website and select “Retrieve PIN”. If you prefer, you can also do this at your Bankinter branch.

What's the CODE (CVV)?

It's the card verification code that confirms that the person using the card has it in their possession.

The Combo card has 2 CODEs, one for when you use Combo 1 and one for Combo 2. In both cases, the CODE is next to the card number.

How do I pay with my Combo card in stores?

  • When you place your card over a point of sale (POS) terminal, you will pay with the Combo 1 card. Remember you always need to enter your PIN for purchases over €20. The system will also ask you to enter your PIN for every three transactions under €20.
  • To pay with Combo 2, insert the card into the terminal and select it on the screen.

How do I use the Combo card to pay with my phone?

If you register the Combo card in the Bankinter wallet or in Apple Pay you will have two images so that you can easily identify Combo 1 or Combo 2 and decide which one to use in each purchase.

How can I withdraw cash from an ATM?

When you insert the Combo card in the ATM it will ask you which card you want to use: Combo 1 or Combo 2. It will also ask you to select debit or credit for your withdrawal.  Remember that Bankinter has the largest ATM network—over 14,000 ATMs distributed throughout Spain—to take out money for free1.

Can I pay with my card abroad?

Yes, of course. You can pay abroad with your Combo card without any problem. But remember, for purchases outside the eurozone there may be a fee for the use of international networks.

Can I take out cash abroad?

Yes. You can use your Combo card to withdraw cash from any ATM but bear in mind that you will have to pay a fee (as you would with any other card).

What do I need to make secure online purchases?

Just shop online in your usual way and then enter the PAN or card number. All you have to do is choose which card to use: Combo 1 or Combo 2.

What's my card limit?

It's the maximum amount of purchases or cash withdrawals from ATMs that you can make with your card in one month. Each side of your Combo has a different limit.

I've lost my card or it's been stolen. What should I do?

The most important thing is to block your card. To do this, go to the “Other operations” card menu on our website or app and select “Block card”. Alternatively, call Telephone Banking on 902 365 563 (34 91657 8869 from abroad). You can also block your card at your branch. If you think your card has been stolen, don't forget to report it to the police. Once your card has been blocked, you won't be able to use either side of your Combo card because both will automatically be blocked.

Bankinter has the solution

We’re here to answer your banking queries and provide you with technical support.

More information
902 365 563
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