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

Única Oro and Clásica Card features

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

— Única Clásica card: the fee amounts to €30 for the primary cardholder and €20 for additional cardholders.

— Única Oro card: the fee amounts to €60 for the primary cardholder and €40 for additional cardholders.

  • Card limit:
    • Única Clásica card: For credit, the daily and monthly limit on purchases is €1,200 euros; at ATMs, the limit is €1,000 per day and €1,200 per month. For debit, if you have enough balance in your account, you can withdraw up to €9,000 per month.
    • Única Oro card: For credit, the daily and monthly limit on purchases is €6,000 euros; at ATMs, the limit is €1,000 per day and €6,000 per month. For debit, if you have enough balance in your account, you can withdraw up to €18,000 per month.
  • Única Clásica and Oro card nominal annual interest rate:

(i) For Deferred Payment cards: a) on Purchases: 22,80% (25,34% APR) b) on credit withdrawals from ATMs and c) on cash transfers to your Smart Cash current account: 24,00% (26,82% APR).

Illustrative examples under the assumption that the agreement will remain in force for its entire term and that the Parties will comply with their obligations in the terms and timeframes agreed.

- If you draw down €1,500 on the first day of the month with Deferred Payment, fixed rate, to be paid in 12 months and assuming that you will not withdraw more funds in this period. Nominal annual fixed interest rate: 22.80%, APR. 25.34%, con 12 monthly instalments of €140.97. Total amount to be paid: €1,691.64.

- If you draw down €1,500 (for cash withdrawals and Smart Cash) on the first day of the month with Deferred Payment, fixed rate, to be paid in 12 months and assuming that you will not withdraw more funds in this period. Nominal annual fixed interest rate: 24.00%, APR. 26.82%, con 11 monthly instalments of €140.97 and a final instalment of €141.82. Total amount to be paid: €1702.06.

(ii) With End-of-Month payment: no interest.

(iii) With Deferred Payment in Stores: 22.80% (25.34% APR). The Deferred Payment service in stores allows for purchases for less than €60 (paid for with the store’s POS device) to be deferred for 3, 6, 9 and 12 months. - If you pay €1,500 for a purchase made on the first day of the month with Deferred Payment in Stores, fixed rate, to be paid in 12 months and assuming that you will not withdraw more funds in this period. Nominal annual fixed interest rate: Nominal annual fixed interest rate: Total amount to be paid: EUR 1,691.64.

(iv) ith Compra Smart payment: 22,80%(24% APR). If you pay €501 with Compra Smart on the first day of the month, with a 12-month repayment period and a 22.80% NIR, 25.34% APR, the first instalment (which only includes interest) will be €9.52 and the amount of the 11 remaining instalments will each be €50.90. Total repayment amount € 569.42). APR may vary depending on the timeframe selected.

  • Insurance:

- Única Clásica card: includes free accident insurance for up to €300,000. You can read the related terms and conditions here:
Accident insurance (36 KB)

- Única Oro card: includes free accident insurance for up to €300,000 as well as travel assistance insurance.

You can read the related terms and conditions here:
Accident insurance (36 KB)
Travel assistance insurance (36 KB)

Information of interest: pursuant to EU laws in force, the Standard European Consumer Credit Information (SECCI) associated with the Única Oro card is shown below..

Financing offered by Bankinter Consumer Finance EFC, S.A., a financial credit institution registered with the Bank of Spain under no. 8832, with registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid) and entered in the Madrid Companies Register, Volume 22,729, Folio 181, Sheet No. M-259543, 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.

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