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Fraccionar compras
For cards with "end of month" payment method. You can spread the payment of one or several purchases on your card over 36 months.
Virtual cards
Create a single-use card or frequent-use card to make your purchases even more secure: with no issuance or maintenance fees.Dinero a tu cuenta
Transfer funds from your credit card to your current account, instantly and without any explanations.Mobile payments
Pay with your phone using Apple Pay, Google Pay or Samsung Pay.Manage your card limits whenever you need to:
Top up your card
Have you used up your card limit? Transfer money from your account to your card and continue shopping.Change limits
You can increase or reduce your card limits according to your needs.Transfer credit between cards
If you have more than one Bankinter card, you can transfer credit between them.With the instant card service, you can use your card immediately: if you've lost it, have to renew it...
How are the projects chosen?
Every year Bankinter employees propose solidarity initiatives to get involved in. An internal jury then selects the projects that are put to the vote through our corporate social media channels.
Card conditions
Payment method
The Solidarios card is issued with the End of Month payment method.
- End of month payment method
With this payment option, purchases and drawdowns made up to the closing date of the settlement period must be paid, without interest (0.00% NIR, 2.38% APR), on the date indicated for payment.
You can change the payment method after activating the card at any time, provided that you notify us five (5) days before the end of the settlement period, through the Bankinter website or app, by calling telephone banking on 91 657 88 00 or by going to a branch.
- Deferred Payment (revolving)“” option
With this option you defer repayment of the credit used by paying regular monthly instalments which may consist of a fixed amount or a percentage of the debt each month. The minimum monthly instalment is 3.00% of the credit balance drawn with the card, with a minimum amount of €40.00.
Provided you pay the minimum established in the contract (3.00% of the balance drawn with a minimum instalment of €40.00), you can choose the amount you want to pay and change it whenever you want.
In any case, the amount finally paid may not be less than €40.00 or the amount resulting from applying 3.00% on the resulting balance, and it must include: a) the corresponding repayment of the principal drawn down, excluding amounts exceeding the credit limit, with a minimum of 0.35%; and b) the total interest generated in the settlement period. The amount payable may therefore be higher than that of the chosen option.
This is a credit card with a “revolving” payment option, allowing you to use the credit limit to finance purchases, cash withdrawals or cash transfers to your current account and repay the credit in monthly instalments that include the principal plus interest.
The contract is for an indefinite duration, although you can terminate it at any time by repaying the outstanding balance in a lump sum to cancel the card. The Bank may also terminate the contract with a minimum of two months' notice.”
Keep in mind that, if applicable, your monthly bill will included other items:
1. The full balance of any overdrafts incurred.
2. The fees and/or expenses accrued in cash that are defined in the Specific Conditions of the Credit Card Contract.
3. The instalments for any drawdowns made under the special payment options.
Notwithstanding the foregoing, after activating the card and within the various options available, you can change at any time the general payment option and also the percentage or fixed monthly amount payable, respecting, where applicable, the minimum monthly instalment established in the deferred payment (revolving) option“”, provided that you notify us five (5) days before the end of the settlement period, through the Bankinter website or app, by calling telephone banking on 91 657 8800 or by going to a branch.
For the purposes of being able to make changes to the general payment option, keep in mind that the Deferred Payment (revolving) option and conditions“” may result in a longer repayment period for the amount drawn down because the proportion of the instalment allocated to repayment of the debt may be lower, which in turn may lead to an increase in the final debt burden. You can use the Banco de España calculator to work out the amount of the last instalment.
We also offer the following special payment options:
- Split Purchases Special Payment Method. 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 €30,00.
- Special Deferred Payment in Stores option: This allows you to defer a purchase of a minimum amount of €60 for 3, 6, 9 or 12 months, from the store's own POS.
Issuance and maintenance fee
- Issuance fee: 0€.
- Card maintenance fee: 35€. This fee will be applied after the first year from the card issuance. This fee will not be charged if, at least once during the year immediately prior to its accrual, you have deferred or split the repayment of any of the amounts drawn down under the general “Deferred Payment (revolving)” method or the “Payment in Instalments (Split Purchases)” or “Deferred Payment in Stores” special payment methods.
- ATM cash withdrawal fee*:
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- Debit: 0€.
- Credit: 4.00%, with a minimum of €3.
*In addition, the Bank may pass on to you, the cardholder, up to 100% of the fee for cash withdrawals charged by the ATM of a different bank.
- Cash transfer to current account fee: 3.00% calculated against the amount drawn (min. 3,00 €).
Limit on withdrawals
For credit drawdowns the limit on purchases is €6,000 per day and per month; at ATMs it is €1,000 per day and €6,000 per month. For debit drawdowns, you can withdraw up to €18,000 per month, provided you have sufficient balance in your account.
Annual Nominal Interest Rate of the card
- End of Month general payment option:
- For purchases: 0.00% NIR (2.38% APR). The APR indicated has been calculated based on purchases at stores and could be higher for other drawdowns such as ATM credit withdrawals and cash transfers to your current account.
- Revolving general payment option:
- For purchases and cash transfers to your current account: 20.55% NIR (22.60% APR).
- For ATM credit withdrawals: 13.58% NIR (16.98% APR).
- Deferred Payment in Stores special option: 20.55% NIR (22.60% APR).
- Split Purchases Special Payment Method: 20.55% NIR (22.60% APR).
Representative examples
- End of Month general payment option
The APR indicated has been calculated for purchases in stores. It could be higher for the other credit options.
For a purchase of €1,500 made on the first day of the settlement period of each month over the course of 12 months, to be repaid at the end of each settlement period, with a card maintenance fee of €35 and the fixed annual nominal interest rate of 0.00% (2.38% APR): the total amount payable would be €18,035 (€18,000 principal +€35 card maintenance fee), consisting of a first instalment of €1,500.00 (€1,500 principal), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and then 10 monthly instalments of €1,500 (€1,500 in total, comprising the principal only). Total cost: 35€. French amortisation system.
- Money to Your Account End of Month Payment Method.
It you make a cash transfer of €1,500 to your account on the first settlement day of the first month and then make purchases amounting to €1,500 on the first day of the settlement period of each month for the following 11 months, to be repaid at the end of each settlement period, with a Money to Your Account service fee of 3.00% on the amount drawn down, a card maintenance fee of €35 and a fixed annual nominal interest rate of 0.00% (5.60% APR): the total amount payable would be €18,080 (€18,000 principal + €45 Money to Your Account service fee + €35 card maintenance fee), consisting of a first instalment of €1,545 (€1,500 principal + €45 Money to Your Account service fee), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and 10 monthly instalments of €1,500 (€1,500 in total, corresponding to the principal only). Total cost: 80€. French amortisation system.
- End of Month payment option for ATM credit withdrawals.
For an ATM credit withdrawal of €1,500 on the first settlement day of the first month and then purchases amounting to €1,500 on the first settlement day of each month for the following 11 months, to be repaid at the end of each settlement period, with an ATM credit withdrawal fee of 4.00% of the amount drawn down, a card maintenance fee of €35 and a fixed annual nominal interest rate of 0.00% (6.71% APR): the total amount payable would be €18,095 (€18,000 principal + €60 credit withdrawal fee + €35 card maintenance fee), consisting of a first instalment of €1,560 (€1,500 principal + €60 credit withdrawal fee), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and 10 monthly instalments of €1,500 (€1,500 in total, corresponding to the principal only). Total cost: 95€. French amortisation system.
- General Deferred Payment (revolving) “” option.
For a credit limit of €1,500.00 drawn down in full in a single purchase, made on the first day of the settlement period, with a repayment period of 48 months and a fixed annual nominal interest rate (NIR) of 20.55% (22.60% APR).
In this case, the total amount owed would be €2,212.04 (€1,500.00 principal + €712.04 interest), consisting of 47 monthly instalments of €46.09 (the first of these 47 instalments composed of €20.40 principal + €25.69 interest) and a final instalment of €45.81 (€45.04 principal + €0.77 interest). This example would vary according to the instalment or percentage chosen. Total cost: 712,04€. French amortisation system.
- General Deferred Payment (revolving)“ option for ATM credit withdrawals:
For a withdrawal of €1,500 made on the first day of the settlement period, to be repaid over 48 months in equal instalments, with an ATM cash withdrawal fee of 4.00% of the amount withdrawn (min. €3.00) and the nominal annual interest rate of 13.58% (16.98% APR.): the total amount payable would be €2,012.42 (€1,500 principal + €452.42 interest + €60 fee), consisting of a first payment of €100.67 made up of the first monthly instalment of €40.67 (€23.69 principal + €16.98 interest) and the €60 fee; 46 monthly instalments of €40.67 (the first of these 46 instalments composed of €23.96 principal + €16.71 interest); and a final instalment of €40.93 (€40.47 principal + €0.46 interest). Total cost of credit: 512,42 €. French amortisation system.
- Special Deferred Payment in Stores option:
For a credit limit of €1,500.00 drawn down in full in a single purchase, made on the first day of the settlement period, with a repayment period of 12 months and a fixed annual nominal interest rate (NIR) of 20.55% (22.60% APR).
In this case, the total amount owed would be €1,672.17 (€1,500.00 principal + €172.17 interest), consisting of 11 monthly instalments of €139.35 (the first of these 11 instalments composed of €113.66 principal + €25.69 interest) and a final instalment of €139.32 (€136.97 principal + €2.35 interest). Total cost: 172,17€. French amortisation system.
- Split Purchases Special Payment Method:
Example for a deferral of €1,500, made on the first day of the settlement period, with a repayment period of 36 months and nominal interest rate of 20.55%, APR 22.60%, the first installment, which includes only interest, will be €25.69, the following 34 installments of €57.33 and a final installment of €57.41. Total amount repayable: €2,032.32, of which €532.32 is interest. Total cost: €532.32 (French repayment system).
Insurance
The Bankinter Solidarios card comes with the following insurance:
FAQs about our cards
What is a revolving credit card?
A revolving credit card allows you to finance your purchases, cash withdrawals or cash transfers to your current account, repaying the credit in monthly instalments that include principal and interest. You can choose the instalment amount, either as a percentage of the outstanding debt or as a fixed amount, provided it complies with the minimum set by the Bank.
The contract is for an indefinite duration, although you can terminate it at any time by repaying the outstanding balance in a lump sum to cancel the card. The Bank may also terminate the contract with a minimum of two months' notice.
The main feature of this type of credit card is that the credit limit is automatically renewed each month, which is why it is known as a "revolving" credit card. The available credit limit is reduced by the drawdowns you make with your card and replenished by the payments you make through your monthly instalments.
What to bear in mind when applying for a revolving card
The monthly instalment for the Deferred Payment (revolving)“” option is made up of principal and interest, so the smaller the fixed amount or percentage chosen for the monthly instalment, the longer the loan repayment period. Allocating a smaller amount to repayment of the principal increases the final amount owed.
Additionally, with this option your available credit limit is automatically replenished each month, so you can continue to use it. But remember, if you increase the number of transactions and continue paying the same monthly instalment, repayment of the outstanding balance will take longer and you will end up paying a greater amount in interest.
You can use the calculator below to work out the interest and due date of a revolving card.
How and when can it be advantageous to use a revolving card?
Using a revolving card can be advantageous in several situations:
- Choosing the right payment method: Make sure you choose the payment method that best suits your needs and each purchase to keep control of your money.
- Using it for specific transactions: You can use it to split payments for expensive purchases on a one-off basis, without making this your primary payment method.
- Planning your payments: Use this calculator (insert link in the word “calculator” revolving credit card payment calculators) to find out when you will finish paying and how much you will have spent on interest.
- Paying off your debt as quickly as possible: This way you will avoid paying more interest and maintain better financial health.
- Controlling your expenses: Keeping a record of your purchases will also help you to keep track of what you owe.
What payment options do our cards offer?
Choose the payment method that best suits your needs. Our credit cards offer the following general payment options:
- End of Month payment: no interest (0.00% NIR, 2.38% APR). With this option, all the purchases you make during the month will be charged to your account in a single payment at the beginning of the following month or at the end of the settlement period.
The APR indicated has been calculated for purchases in stores. It could be higher for the other credit options.
For a purchase of €1,500 made on the first day of the settlement period of each month over the course of 12 months, to be repaid at the end of each settlement period, with a card maintenance fee of €35 and the fixed annual nominal interest rate of 0.00% (2.38% APR): the total amount payable would be €18,035 (€18,000 principal +€35 card maintenance fee), consisting of a first instalment of €1,500.00 (€1,500 principal), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and 10 monthly instalments of €1,500 (€1,500 in total, corresponding to the principal only). Total cost: 35€. French repayment system.
- Deferred Payment (“revolving”): With this option you repay the drawdowns you make with your card in instalments. For your monthly instalment you can choose between paying a percentage of the principal drawn down or a fixed amount, provided the amount paid complies with minimum set by the Bank. The difference with respect to the End of Month option is that you will not repay the total credit drawn down at the end of the monthly settlement period, but instead will repay it in instalments based on the amount you have selected, with interest accruing from the time of the drawdown.
Our cards also offer the following special payment options:
- Payment in Instalments (Fraccionar compras): With this option you can defer the payment for one or more transactions over €90, choosing the monthly instalment or the number of months to defer payment, from 3 to 36 months.
- Deferred Payment in Stores: This option is only available with the general “End of Month” option and allows you to split transactions of more than €60 into 3, 6, 9 or 12 months with fixed instalments.
You can check the conditions and representative examples on the website and in the pre-contractual information.
How do the payment options work?
We explain it to you with examples of how it works for the different payment options:
- End of Month payment: no interest (0.00% NIR 2.38% APR): If you make purchases amounting to €400 during the settlement period and you have no other outstanding drawdowns or expenses associated with the use of the card, in your next monthly instalment you would repay the full €400 drawn down, without accruing interest. The total amount owed would be €400 (€400 principal + €0 interest).
- Deferred Payment (revolving)“”:
For a withdrawal of €1,500 made on the first day of the settlement period, to be repaid over 48 months in equal instalments, with an ATM cash withdrawal fee of 4.00% of the amount withdrawn (min. €3.00) and the nominal annual interest rate of 13.58% (16.98% APR.): the total amount payable would be €2,012.42 (€1,500 principal + €452.42 interest + €60 fee), consisting of a first payment of €100.67 made up of the first monthly instalment of €40.67 (€23.69 principal + €16.98 interest) and the €60 fee; 46 monthly instalments of €40.67 (the first of these 46 instalments composed of €23.96 principal + €16.71 interest); and a final instalment of €40.93 (€40.47 principal + €0.46 interest). Total cost of credit: 512,42 €. French amortisation system.
- Payment in Instalments (“Fraccionar compras”)
Example for a Fraccionar compras purchase of €1,500 made on the first day of the settlement period, with a repayment period of 36 months, nominal interest rate 20.55%, APR 22.60%, the first installment, which includes only interest, will be €25.69, the following 34 installments of €57.33 and a final installment of €57.41. Total amount repayable: €2,032.32, of which €532.32 is interest. Total cost: €532.32 (French repayment system).
- Deferred payment in stores
For a credit limit of €1,500.00 drawn down in full in a single purchase, made on the first day of the settlement period, with a repayment period of 12 months and a fixed annual nominal interest rate (NIR) of 20.55% (22.60% APR).
In this case, the total amount owed would be €1,672.17 (€1,500.00 principal + €172.17 interest), consisting of 11 monthly instalments of €139.35 (the first of these 11 instalments composed of €113.66 principal + €25.69 interest) and a final instalment of €139.32 (€136.97 principal + €2.35 interest). Total cost: 172,17€. French repayment system.
What is the settlement period?
The settlement period is the monthly period in which the charges and credits are taken into account to calculate your monthly instalment. This period is indicated on each statement and does not necessarily coincide with the calendar month.
Can I change the payment method?
Yes, whenever you want, according to your needs and free of charge, you can change the general payment option chosen (End of Month Payment method or Deferred Payment (revolving) method“”), as well as the monthly instalment in the Deferred Payment (revolving) option“”, by altering the percentage or the fixed amount of the instalment, provided it complies with the minimum set by the Bank. You can make this change when you activate your card or at any time up to 5 days before the end of the settlement period, through the website or app, or by calling 91 657 88 99.
Remember, small instalments will take you longer to repay the outstanding balance and you will end up paying more interest than with larger instalments. Before you make any changes, check the card information we send you periodically. You may also find the Calculator on the Customer Website helpful.
Do the cards allow cash withdrawals and cash transfers to a current account?
Yes, you can use our card to transfer cash to you current account and withdraw money from the ATMs of any bank that accepts the card. There is no free for these services if you use a debit card. However, there will be a fee if you use your credit card:
- Cash transfer (“Dinero a tu cuenta”): 3.00% of the amount (minimum €3.00) if you choose End of Month Payment.
For example: For a Dinero a tu cuenta transaction of €1,500 on the first settlement day of the first month and then purchases amounting to €1,500 on the first day of the settlement period of each month for the following 11 months, to be repaid at the end of each settlement period, with a Dinero a tu cuenta service fee of 3.00% on the amount drawn down, a card maintenance fee of €35 and a fixed annual nominal interest rate of 0.00% (5.60% APR): the total amount payable would be €18,080 (€18,000 principal + €45 Dinero a tu cuenta fee + €35 card maintenance fee), consisting of a first instalment of €1,545 (€1,500 principal + €45 Dinero a tu cuenta fee), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and 10 monthly instalments of €1,500 (€1,500 in total, corresponding to the principal only). Total cost: 80€. French repayment system.
With the Deferred Payment (revolving)“” option, there is no fee but interest is applied.
- Cash withdrawals on credit at ATMs: 4.00% of the amount (minimum €3.00) if you choose End of Month Payment.
For example: For an ATM credit withdrawal of €1,500 on the first settlement day of the first month and then purchases amounting to €1,500 on the first settlement day of each month for the following 11 months, to be repaid at the end of each settlement period, with an ATM credit withdrawal fee of 4.00% of the amount drawn down, a card maintenance fee of €35 and a fixed annual nominal interest rate of 0.00% (6.71% APR): the total amount payable would be €18,095 (€18,000 principal + €60 credit withdrawal fee + €35 card maintenance fee), consisting of a first instalment of €1,560 (€1,500 principal + €60 credit withdrawal fee), a second instalment of €1,535 (€1,500 principal + €35 card maintenance fee) and 10 monthly instalments of €1,500 (€1,500 in total, corresponding to the principal only). Total cost: 95€. French repayment system.
If you choose Deferred Payment (revolving)“”, the corresponding interest will also be applied.
For example: For a withdrawal of €1,500 on the first day of the settlement period, to be repaid over 48 months in fixed instalments, with an ATM cash withdrawal fee of 4.00% of the amount drawn down (min. €3.00) and the nominal annual interest rate of 13.58% (16.98% APR.): the total amount payable would be €2,012.42 (€1,500 principal + €452.42 interest + €60 fee), consisting of a first payment of €100.67 made up of the first monthly instalment of €40.67 (€23.69 principal + €16.98 interest) and the €60 fee; 46 monthly instalments of €40.67 (the first of these 46 instalments composed of €23.96 principal + €16.71 interest); and a final instalment of €40.93 (€40.47 principal + €0.46 interest). Total cost of credit: 512,42 €. French repayment system.
When will the amount be charged to my bank account?
The amount to collect will be charged to the linked account at the end of the month (the first business day following the close of the settlement period).
Key information
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In compliance with current European legislation, we are providing you with the pre-contractual information for the Solidarios Card (version available in Spanish) and the quarterly information on fees and interest rates applied.
In compliance with current European legislation, we provide you with the Rre-contractual information for the Solidarios Card (version available in Spanish, English, German, Catalan, Basque, Galician and Valencian and the quarterly information on fees and rates applied