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Business combo card

Now I'm working. Now I'm playing.

Business Combo Card, a card like you, with two sides: one to pay your business expenses and the other to pay your personal expenses. A card designed for you and for you as well.

Combo 1 side

The side or card to pay your personal expenses.

Combo 2 side

The side or card to pay your business expenses.

Two sides, two cards, two statements.

Why use two cards if you can have everything in one?

Your finances under control

All your payments and purchases will be recorded on two different statements, so you'll be able to keep your personal and business expenses separate even though you use the same card for them.

Choose how you want to pay

All payments you make will be charged to your account at the end of the month. However, if you prefer to switch to the deferred payment method, you can; we'll just refund 2% of all deferred purchases.

No annual fee

The Combo card has no annual fee and is only available for holders of the Bankinter Business Account.

It's as easy to use as any other card.

Think about what type of expense it is and choose which side you want to use: personal or business.

At the POS machine

If you want to pay with Combo 1, just place your card over the POS machine to activate the contactless function. And to pay with Combo 2, insert the card.

With our wallets

You'll have an image of each side of the card so you'll always be able to choose which one you want to use: personal or business.

At ATMs

It's just as easy to get cash. Decide if you want to use Combo 1 or Combo 2, and choose if you want to withdraw by debit or credit. If the ATM is contactless-enabled, you can use Combo 1 without inserting the card.

Withdraw cash free of charge at more than 17,000 ATMs.

You can withdraw funds from your account from all Bankinter and associated ATMs completely free of charge1 and using either card: Combo 1 or Combo 2.

And with all the smart services.

Much more than just buying and paying.

Compra Smart

The best option if you need to spread the cost of one or more items, from €90. You can choose the number of instalments or pay a fixed amount over 3 to 36 months.
FIND OUT MORE about compra smart

Smart Cash

You can transfer money to your current account, for extra liquidity when unexpected things happen.
FIND OUT MORE sobre smart cash

See Combo Professional Card features Combo Professional Card features

Issue and maintenance fee

No annual fee if you have a Business 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) In the End of Month Payment method: interest-free. (ii) 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. (iii) 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.

Insurance

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.

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.

See FAQs FAQs

What should we look out for when applying for a revolving card?

Banks often offer credit cards with either the end of the month payment and the revolving“”payment method, and customers can choose how to repay the amounts they have spent.

When applying for one of these cards or choosing the payment method, you should pay attention to the explanations and warnings about the product, the interest rate (N.I.R.), the Annual Equivalent Rate (A.E.R), the chosen repayment instalment, and the applicable fees and expenses, if any. You should "shop around", comparing offers and read the pre-contractual information carefully (especially what would happen if you fail to pay) before signing anything. That way you can be sure you will have made a rational and prudent decision.

These cards are adapted to each customer's needs, granting customers considerable flexibility in payment, but customers should make sure they use their cards responsibly. The revolving and minimum payment methods, for instance, are really only intended to be used in temporary situations where customers are short of funds“”. This means you pay the amount drawn over a very long period of time. The repayment will only include a small part of the amount outstanding and higher interest.

What is the CVV?

Credit and debit cards use a cryptographic configuration commonly known as CSC (Card Security Code), CVV, (Card Verification Value), CW2, CVC2 or a CID number to provide maximum security for online payments and cut down on fraud. It is used to confirm that the person using the card has it in his possession.

This security code consists of 3 or 4 numbers, and can be found on the back of VISA or MasterCard or on the main side of American Express cards.

This security code provides added value for this payment method. You usually need It when you shop in online stores, instead of using your PIN. PIN numbers are reserved for transactions in physical stores and ATMs.

This code is secure as it is printed on the card and is not encrypted on the metallic strip or NFC (contactless) chip. This means it cannot be read or scanned by a device to replicate the data.

What is the PIN?

PIN is an acronym for Personal Identification Number“”“”.

The bank or financial institution assigns you a PIN when you receive your card for the first time. The PIN is usually 4 digits and you can change it at any time to a number of your choice that is easy to remember. If you forget your PIN number, you can see it on our website or in the menu of your card, under the "Consult/Remember PIN" section. If you want to change the PIN number, you can do so at an ATM which has that service or at your branch.

 In the case of the Combo, the PIN is the same for both cards.

What does contactless mean?

A contactless card is one that you just need to place near the terminal, not inside it. Also, you always need to use your PIN for purchases over 50 euros. The system will ask you to enter your PIN for every 3 transactions of less than 20 euros. You also need your PIN to take money out of ATMs.

How long will it take to get the card to arrive at my address?

You will receive your cards no later than fifteen days after you apply for them through any of our channels (web, app, telephone banking or office), although you can use our Instant Card service to activate the requested card from our web or app and add it to any X-pay (Apple Pay, Google Pay and Samsung Pay) so that you can use it from then on.

Can I register my card on a mobile payment platform?

Yes, all our cards can be added to x-pay, Apple Pay, Google Pay and Samsung Pay. Find out more at https://www.bankinter.com/banca/cuentas-tarjetas/tarjetas/pagar-con-el-movil

My card is about to expire. How can I get a new one?

All cards are issued with an expiry date. At least 30 days before that date, we will send you a new one to your home address, so you can always use this payment system.

How do I activate my card?

It is very simple process. You can activate your card through the App from your mobile or Tablet, from your computer at Bankinter.com, by calling Telephone Banking on 91 657 88 00, at any Bankinter branch or at our ATMs.

When will the bill be debited from my bank account?

It will be debited between the first and fifth day of each month.

Can I exceed the credit limit associated with the card?

Yes, if you spend over the card limit assigned to your card, you will be charged a €20 overlimit fee“”.

What payment methods do our cards have?

Credit cards have the following payment methods:

Interest-free payment in full

With this payment model, all your purchases in a month are charged to your account, in a single payment, at the beginning of the following month or in the period defined by the financial institution.

This payment method has one great advantage: everything you spend, you pay the next month without interest or fees. 0.00% APR. And your credit limit becomes automatically available once your payments have been charged to your account, so you can use it for new payments or purchases.

Fixed monthly Instalment payments

Under this payment method, you can choose a fixed amount you want to pay per month, for example €30, €50, etc. The amounts will be charged monthly to the current account you choose until you have finished paying your drawn balance (both the capital and interest). The big difference compared to other payment methods is that the debt can continue to increase if you keep using the card, but you still pay the same amount every month. However, if you don't use your available credit and carry on paying the same amount, your debt will decrease.

The chosen instalment will be applied with a minimum amount. Where the chosen fee is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments as a percentage of the debt

With this payment method, you choose the percentage of the balance on the card you want to pay each month. The instalments are charged every month until you have paid off the balance you have used, including repayment of principal and interest.

For example, you could pay only 10% of the balance drawn. Under this system, the instalments reduce as the outstanding balance decreases. Remember that if you keep on using your available credit, the repayment instalments will increase in proportion.

The chosen percentage will be applied with a minimum amount. Where the chosen percentage is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments over specific periods

Under this payment method, you choose a specific period to repay the money spent. The monthly instalments are calculated by dividing the amount of your purchases, plus interest, by the number of months into which you have decided to divide the payment.

It is very common to spread purchases over 3, 6 or 12 months, for example. As this is deferred payment, the shorter the period, the larger the instalments. And the longer the term, the smaller the instalments, but the more interest you pay.

Spreading one-off purchases

This is a payment method that is being used more and more in supermarkets, household appliance shops and large distribution channels. It also has a Financing Service, which you can use to pay for one or more purchases within a specific period of time, usually between 3 and 36 months, with a minimum amount (to be determined by each bank or financial institution). The idea is for customers to be able to pay one or several one-off purchases while maintaining the end of month payment system.

Calculation of the monthly amount in deferred payment (revolving)“”

Payment of a €400 instalment: Imagine you buy something for €1500 euros and you want to finance it under the deferred payment method. You choose to pay €400. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €1,554.15 (€1,500 of principal and €54.15 in interest), in 4 monthly instalments. The first instalment would be €400 (€378.10 euros of principal and €21.90 in interest), and the last one would be €354.15 (€349.06 of principal and €5.10 in interest), after which you would have repaid the borrowed amount.

Payment of a €30 instalment: Imagine you buy something for €1500 and you want to finance it under the deferred payment method. You choose to pay €30 (minimum 3% of the drawn balance). In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €2,354.20 (€1,500 of principal and €854.20 in interest), in 73 monthly instalments. The first instalment would be €45.00 (€23.10 of principal and €21.90 in interest), and the last one would be €3.92 (€3.87 of principal and €0.06 in interest), after which you would have repaid the borrowed amount.

Payment of a €100 instalment: Imagine you buy something for €1500 euros and you want to finance it under the deferred payment method. You choose to pay €100. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €1,705.38 (€1,500 of principal and €205.38 in interest), in 18 monthly instalments. The first instalment would be €100 (€78.10 of principal and €21.90 in interest), and the last one would be €5.38 (€5.30 of principal and €0.08 in interest), after which you would have repaid the borrowed amount.

Can I pay abroad?

Naturally, you can use all our cards to pay abroad, without a hitch. But there may be a fee for using international networks for purchases outside the eurozone.

Can I withdraw cash abroad?

Yes. You can take out money from any ATM but bear in mind that you will have to pay a fee (as you would with other cards).

What should I do if I lose my card or it is stolen?

The most important thing is to block use of your card. To do so, go to the “Other operations” card menu on the website and in our app and use the “Block card” option or call Telephone Banking (91 657 88 69 or 34 34 578 869 if you are calling from abroad). You can also do this at your branch. If you think your card has been stolen, don't forget to report this. Once your card has been blocked, you won't be able to use either of your Combo cards because both will be blocked, automatically.

Once your card is blocked, you can use our Immediate Card Service to request a new one using any of our channels. You can then add it to your mobile device's wallet and start using it immediately. There is no need to wait until you receive and activate the card. This service is also available for renewals, duplicates and new cards.

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 €50. 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 does the Business Combo card work?

The Combo card comprises two cards in one so you can clearly identify your business purchases and payments and your personal ones. When you receive the card you'll see one number on the front (Combo 1) and an another one on the back (Combo 2). A statement is generated for each side or card so you can keep your expenses separate.