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.
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Combo 1 side

The side or card to pay your personal expenses.
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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.
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Withdraw cash free of charge at more than 14,000 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.
Traspasar dinero de cuenta a tarjeta

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.
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Smart Cash

You can transfer money to your current account, for extra liquidity when unexpected things happen.
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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

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 the website or in our app and select “Block card” or call Telephone Banking (902 365 563 or 34 91657 8869 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 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.

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.

How can I shop online securely?

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.

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).

Can I pay with my card abroad?

Yes, of course. You can pay with your Combo card abroad just as you would in Spain.

How do 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, Bankinter has the largest ATM network – over 14,000 machines distributed throughout Spain where you can withdraw cash from your account for free.

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

If you register the Combo card in the Bankinter Wallet or in another mobile payment app, you'll have two images to easily identify Combo 1 and Combo 2 and decide which one to use on every occasion.

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.

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.

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.

Can I change my card PIN?

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

Do I have a single PIN for both sides of the card?

Yes, you have a single PIN to 'authorise' the purchases you make with both sides of your Business Combo card.

What's the expiry date of the Business Combo card?

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

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.