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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, although if you prefer you can switch to the Deferred Payment method. In that case we'll refund 2% of all deferred purchases. Terms and conditions apply.

No issuance or maintenance fee

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

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 Terms and conditions of the Combo Profesional card Terms and conditions of the Combo Profesional card

Payment method

The Combo Personal 1 card and the Combo Profesional 2 card are issued with the end of the month payment method.

  • End of month payment method

    With this payment method, purchases and withdrawals made before the end of the settlement period must be paid, without interest (0.00% A.P.R.), on the date stated in your card contract.

    You can change the payment method after activating your card at any time as long as you notify us five (5) days before the end of the settlement month through the Bankinter website or app, by calling Telephone Banking on 91 657 88 00 or by visiting a branch.

  • Deferred Payment (“Revolving”) method:

    With this method you defer repayment of the credit used by paying regular instalments which may consists of a fixed amount or a percentage of the debt each month. The minimum monthly instalment is the 3% of the credit balance drawn with a minimum amount of €30.00.

    Provided you pay the minimum established in the contract (3.00% of the balance drawn with a minimum instalment of €30.00), you can choose the amount you want to pay and change it whenever you want.

    The agreed interest rate is applied to the principal drawn down. See "Annual Nominal Interest Rate".

    The part of the monthly instalment used to repay the principal replenishes your credit limit, so it is basically like a loan that is renewed on each settlement.

    With this payment method, in January of the following year you will receive 2% cashback on purchases made provided you meet the necessary requirements set out in your card contract.

Issue and maintenance fee

No annual fee if you have a Business account or if you use either of the two cards in the deferred payment method. Otherwise the fee will be a maximum of €60 for the first holder and €50 for the beneficiaries.

Limit on withdrawals

  • 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 withdrawals on credit, 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 there are enough funds in the linked current account.

Combo Profesional card annual Nominal Interest Rate

(i) End of month payment method: Without interest (0.00% A.P.R.).

(ii) Compra Smart payment method 17.52% N.I.R. (19% A.P.R.: ). This is a special payment method available within the general end of month payment method that lets you split purchases of €90 or more between three to 36 months, with a minimum monthly instalment of €30.

Example for a Compra Smart purchase of €6,000 made on the first day of the month with a repayment period of 36 months at 17.52% N.I.R., 19.00% A.P.R.: the first instalment, which only includes interest, will be €87.60, the next 34 instalments will be €220.16 each, and the final instalment will be €220.36. Total amount repayable: €7,793.40, of which €1,793.40 is interest. Total cost €1.793,40. French repayment system.

(iii) Deferred Payment (“Revolving”) method:

a) For purchases: 17.52% N.I.R.. (19.00% A.P.R.); b) For cash withdrawals on credit at ATMs: 17.52% N.I.R.. (19.00% A.P.R.); c) For the Smart Cash service that lets you transfer cash from your card to your current account: 17.52% N.I.R.. (19.00% A.P.R.). This transaction will be paid along with all the other amounts drawn down and the economic conditions linked to your card payment method will be applied.

For example, assuming the contract remains in force for its entire duration and the parties fulfil their obligations under the agreed terms and conditions:

For purchases with the Deferred Payment (“Revolving”) method, cash withdrawals on credit at ATMs and transfers of cash to your Smart Cash current account:

If you draw down €1,500 on the first of the month and it is financed under the Deferred Payment (“Revolving”) method for 48 months, and provided that you do not use any more of the credit assigned to the card, with the fixed annual Nominal Interest Rate of 17.52% (A.P.R. 19.00%), you would pay a total amount of €2,096.88 (€1,500 for principal and €596.88 for interest) in 48 monthly instalments. The first 47 instalments would be €43.69 and the last €43.45, at the end of which you would have repaid the credit facility in full. Total cost €596,88. French repayment system.

This example would vary according to the instalment or percentage chosen.

Insurance

The Combo card comes with accident insurance of up to €500,000 and travel insurance as well.

Read about its terms and conditions here: 

Accident insurance
Travel insurance

Important information

In compliance with current European legislation, we provide the Pre-contractual information for the Combo card and the Quarterly information on fees and interest rates.

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.

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.

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 50 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, you can spend over the card limit but we'll charge you an over limit fee of €20.

What payment methods do our cards have?

Credit cards have the following payment methods:

Interest-free payment in full (0.00% A.P.R.)

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% A.P.R. 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 €1,500 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, of which €54.15 refers to interest, in four monthly instalments. The first instalment would be €400 and the last €354.15, after which you would have repaid the credit facility in full. Total cost: 54,15€. French repayment system.

Payment of a €30 instalment: Imagine you buy something for €1,500 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, of which €854.20 refers to interest, in 73 monthly instalments. The first instalment would be €45,00 and the last €3.92, after which you would have repaid the credit facility in full. Total cost: 854,20€. French repayment system.

Payment of a €100 instalment: Imagine you buy something for €1,500 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, of which €205.38 refers to interest, in 18 monthly instalments. The first instalment would be €100 and the last €5.38, after which you would have repaid the credit facility in full. Total cost: 205,38€. French repayment system.

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. You can do this through our website or app by selecting “More transactions” in the card menu and then “Block card”, or by calling Telephone Banking on 91 657 88 00 or +34 916 578 800 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 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.

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.