ÚNICA CARD

A card with everything, for everything

  • Withdraw cash from ATMs
  • Pay for purchases
  • Choose how you want to pay
  • And get back 2% on all deferred purchases1
Tarjeta Única Bankinter

Everything you need when you're on the go.

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Free cash withdrawals

You'll be able to withdraw cash from your account without a fee2 from more than 14,000 ATMs: all Bankinter ATMs, all the ones in the EURO 6000 network, plus Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank and Euro Automatic Cash ATMs.

Open the app to find your nearest free ATM.

Plus...

See Card terms and conditions Card terms and conditions

Terms and conditions of the Classic and Gold Única cards

  • Issuance and maintenance fee: No annual fee if you have a Payroll Account, Non-Payroll Account, Business Account or Pension Account, or if you use the card under the deferred payment method. Otherwise:

—Classic Única card: fee of €30 for the primary holder and €20 for the beneficiaries.

—Gold Única card: fee of €60 for the primary holder and €40 for the beneficiaries.

  • Limit on withdrawals:
    • Classic Única card:for withdrawals on credit, the limit on purchases is €1,200 per day and month; at ATMs, €1,000 per day and €1,200 per month. For debit withdrawals, if you have sufficient balance in your account, you can withdraw a maximum of €9,000 per month.
    • Gold Única card: for withdrawals on credit, the limit on purchases is € 6,000 per day and month; at ATMs, €1,000 per day and €6,000 for debit withdrawals. If you have sufficient balance in your account, you can withdraw a maximum of €18,000 per month.
  • Annual nominal interest rate Classic and Gold Única card:

(i) Deferred payment method: a) on purchases: 22.80% NIR (25.34% APR) b) cash withdrawals on credit at ATMs and c) on cash transfers to your Smart Cash account: 24.00% NIR (26.82% APR).

For example, 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.

- a) Purchases with the deferred payment method:

- For a drawdown of 1,200 euros for a purchase made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 112.78 euros and a final instalment of 112.72 euros. Total amount payable: 1.353,30 euros.

- For a drawdown of 6,000 euros for a purchase made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 563.88 euros and a final instalment of 563.86 euros. Total amount payable: 6.766,54 euros.

-b) Cash or Smart Cash withdrawal:

- For a cash or Smart Cash withdrawal of 1,200 euros made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during the same period. Annual fixed nominal interest rate: 24.00%, APR 26.82%, with 11 monthly instalments of 113.47 euros and a final instalment of 113.50 euros. Total amount payable: 1.361,67 euros.

- For a cash or Smart Cash withdrawal of 6,000 euros made on the first day of the month with the deferred payment method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during the same period. Annual fixed nominal interest rate: 24.00%, APR 26.82%, with 11 monthly instalments of 567.36 euros and a final instalment of 567.32 euros. Total amount payable: 6.808,28 euros.

(ii) End-of-month payment method: interest-free.

(iii) Deferred payment in stores method: 22.80% NIR (25.34% APR). The deferred payment service in stores spreads the cost of a purchase over 3, 6, 9 or 12 months. The minimum purchase amount is €60 and the facility is set up directly at the store TPV.

- For a purchase of 1,200 euros made on the first day of the month with the deferred payment in stores method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 112.78 euros and a final instalment of 112.72 euros. Total amount payable: 1.353,30 euros.

- For a purchase of 6,000 euros made on the first day of the month with the deferred payment in stores method, fixed instalments to be paid over 12 months and assuming there are no more drawdowns during this period. Annual fixed nominal interest rate: 22.80%, APR 25.34%, with 11 monthly instalments of 563.88 euros and a final instalment of 563.86 euros. Total amount payable: 6.766,54 euros.

(iv) Smart purchase payment method 2280% NIR (25.34% APR.)

- For a smart purchase of 1,200 euros made on the first day of the month with repayment over 12 months and 22.80% NIR, 25.34% APR, the first instalment, which only includes interest, will be 22.80 euros and the remaining 11 instalments will be 121.92 euros each. Total amount owed: € 1,363.89. The A.E.R. can vary depending on the selected term.

- For a smart purchase of 6,000 euros made on the first day of the month with repayment over 12 months and 22.80% NIR, 25.34% APR, the first instalment, which only includes interest, will be 114 euros and the remaining 11 instalments will be 609.59 euros each. Total amount payable: 6,819.44 euros. The APR may vary depending on the selected term.

  •  Insurance:

-The Classic Única card includes free accident insurance up to 30,000 euros. See the terms and conditions here: 
Accident insurance(36 KB)

-The Gold Única card includes free accident insurance up to 60,000 euros and travel insurance.

See the terms and conditions here: 
Accident insurance(36 KB) 
Travel insurance(36 KB)

Important information: Pursuant to prevailing EU legislation, the Standard  European Consumer Credit Information (SECCI) associated with the Classic Única card and the Gold Única card is provided 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

Can I change my card’s payment method?

Yes, whenever you want.

Can I change my card PIN?

Yes. You can do this at any ATM with this option.

I forgot my PIN, can I retrieve it?

Yes. To do so, access the “Other operations” card menu and use the “Remember PIN” option.

As it is a Contactless card, do I need a PIN?

Yes. You always need to use your PIN for purchases over 20 euros. The system will also ask you to enter your PIN for every 3 transactions under 20 euros. You also need your PIN to take money out of ATMs.

My card has been lost or stolen, what should I do?

The most important thing is to block your card. To do so, access the “Other operations” card menu and use the “Block card” option or call Telephone Banking (902 365 563 or 34 91657 8869 if you are calling from abroad). If you think your card has been stolen, don't forget to report it. Once your card has been blocked, we will issue a new one.

What do I need to make secure online purchases?

Most merchants use the Verified by Visa or Mastercard SecureCode programme, which verifies that the buyer is the cardholder. If you want to shop in stores associated with this service, you need to be registered in bankinter.com, i.e. you have username, password and coordinates card.

What enquiries can I make about my card?

You can check your balance, pending authorisations and detailed statements of your banking activity for the last three months.

What are the additional cards?

These are the cards you can get for people who want to hold a card. These cards share the credit limit of the first cardholder and the card transactions appear in the same monthly statement.

What is my card limit?

This is the maximum amount of purchases or cash withdrawals at ATMs that you can make with your card in the period of one month.

What are authorisations?

These are the transactions that you have carried out and which reduce the amount available on your card but which have not yet been included in your statement.

Can I buy securely in stores that are not part of the Verified by Visa or Mastercard SecureCode programmes?

Yes, although the security measures are not so stringent.

Bankinter has the solution

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

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