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.

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 Salary Account, Non-Salary 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 it is €1,000 per day and €1,200 per month. For debit withdrawals, you can withdraw up to €9,000 per month, if your account balance is sufficient. 
    • Gold Única Card: for withdrawals on credit, the limit on purchases is €6,000 per day and month; at ATMs it is €1,000 per day and €6,000 per month. For debit withdrawals, you can withdraw up to €18,000 per month, if your account balance is sufficient.
  • Annual nominal interest rate Classic and Gold Única Cards:

(i) Deferred payment method: a) on purchases: 17.52% NIR (19.00% APR), b) cash withdrawals on credit at ATMs and c) on cash transfers to your Smart Cash current account: 17.52% NIR (19.00% APR).

For example, assuming that the contract remains in force for its entire duration and that the Parties 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 109.74 euros and a final instalment of 109.77 euros. Total amount payable: 1,316.91 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros.

-b) Cash or Smart Cash withdrawal:

- For a cash or Smart Cash withdrawal of 1,200 euros 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 period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 109.74 euros and a final instalment of 109.77 euros. Total amount payable: 1,316.91 euros.

- For a cash or Smart Cash withdrawal of 6,000 euros 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 period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros.

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

(iii) Deferred payment in stores method: 17.52% NIR (19.00% 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 from the store's POS terminal.

- For a purchase of 1,200 euros 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 109.74 euros and a final instalment of 109.77 euros. Total amount payable: 1,316.91 euros.

- For a purchase of 6,000 euros 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 the period. Annual fixed nominal interest rate: 17.52%, APR 19.00%, with 11 monthly instalments of 548.71 euros and a final instalment of 548.73 euros. Total amount payable: 6,584.54 euros.

(iv) Compra Smart purchase payment method 17.52% NIR (19.00% APR.)

- For a Compra Smart purchase of 1,200 euros on the first day of the month with a repayment period of 12 months and NIR 17.52%, APR, 19.00%; the first instalment, which only includes interest, will be €17.52, and the other 10 instalments will be €118.88 each, with a final instalment of €118.86. Total repayment amount €1,325.18. The APR may vary depending on the term selected. 

-For a Compra Smart purchase of 6,000 euros on the first day of the month with a repayment period of 12 months and NIR 17.52%, APR 19.00%; the first instalment, which only includes interest, will be €87.60, and the other 10 instalments will be €594.39 each, with a final instalment of €594.39. Total amount payable: €6,625.89. The APR may vary depending on the term selected.

  •  Insurance:

-The Classic Única Card includes free accident insurance up to 300,000 euros. See the terms and conditions here: 
Accident insurance(36 KB)

-The Gold Única Card includes free accident insurance up to 600,000 euros and travel insurance.

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

Important information: the Standard European Consumer Credit Information (SECCI) is provided below, under prevailing EU legislation. Standard European Consumer Credit Information (SECCI) associated with the Classic Única Card and Standard European Consumer Credit Information (SECCI) associated with the Gold Única Card.

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

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.

More information
902 365 563
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