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The Solidarios card is issued with the End of Month payment method.

• End of month payment method

  With this payment method, purchases and withdrawals made before the end of the settlement period must be paid, without interest (0.00% APR), on the date stated in your card contract.

• Deferred payment (“revolving”) method

  With this method you defer repayment of the credit used by paying regular instalments which may consist of a fixed amount or a percentage of the debt each month. The minimum monthly instalment is 3% of the credit balance drawn with a minimum amount of €30.00.

  Provided you pay the minimum established in the contract (3.00% of the balance drawn with a minimum instalment of €30.00), you can choose the amount you want to pay and change it whenever you want.

  Choosing a low monthly instalment could result in a longer repayment period and therefore a higher amount of interest.

  The agreed interest rate is applied to the principal drawn down. See the 'Annual Nominal Interest Rate' section.

  The part of the monthly instalment used to repay the principal replenishes your credit limit, so it is basically like a loan that is renewed on each settlement.

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 our Telephone Banking at 91 657 88 00 or by going to a branch.

No annual fee for deferred payment cards. Otherwise: the fee will be €35 for the first cardholder's card and €25 for the beneficiary cards.

For credit withdrawals the limit on purchases is €1,200 per day and per 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.

1. In the Deferred Payment (“Revolving”) for Purchases method (including cash transfers to accounts made with the Smart Cash service): 17.52% NIR(19.00% APR):
Example for drawdown of €1,500 on the first day of the settlement period, financed over 48 months and provided that no further drawdowns are made with the card, with the fixed annual nominal interest rate of 17.52% (APR 19.00%): you would pay a total amount of €2,096.88 (€1,500 for principal and €596.88 for interest) in 48 monthly instalments. The first 47 instalments would be €43.69 and the last €43.45, at the end of which you would have repaid the credit facility in full. Total cost €596,88. French repayment system.

This example would vary according to the instalment or percentage chosen.

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.

2. In the Deferred Payment in Stores (“Plazox”) method: 17.52% NIR. (19.00% APR). The Plazox service allows you to defer a purchase of a minimum amount of €60 for 3, 6, 9 or 12 months, choosing this option directly through the POS terminal at a physical store and/or when making the payment through an online store.
This service will only be available if the card has the End of Month payment option.

Example for a purchase of €1,200 made on the first day of the settlement period, with a 12-month repayment period, nominal interest rate 17.52% and APR 19.00%, with 11 monthly instalments of €109.74 and a final instalment of €109.77. Total amount payable: € 1.316,91, of which €116,91 is interest. Total cost: 116,91€. French repayment system.

3. End of Month payment method: interest-free. 0.00% APR.

4. Compra Smart service 17.52% NIR (19.00 APR).
This service is only available with the End of Month payment option. This is a service that lets you split one or more purchases of €90 or over between 3 and 36 months and with a minimum payment of 30€ per month.

Example for a Compra Smart purchase of €1,200 made on the first day of the settlement period, with a repayment period of 36 months, nominal interest rate 17.52%, APR APR: the first instalment, which only includes interest, will be €17.52, the next 34 instalments will be €44.03 each, and the final instalment will be €44.16. Total amount repayable: €1,558.70, of which €358.70 is interest.
Total cost €358,70. French repayment system.

5. Smart Cash Service

The Smart Cash service is available with both Visa Solidarios card payment methods: End of Month and Deferred Payment.

• Smart Cash in the End of Month payment method: the service includes a fee of 3% on the transferred amount, with a minimum of €3.
• Smart Cash in the Deferred Payment method: the service is fee-free and treated like another purchase, with the same conditions described in Point 1 of “Annual Nominal Interest Rate of the Visa Solidarios card”.

The Bankinter Solidarios card comes with the following insurance:

ACCIDENT INSURANCE (AF4)
TRAVEL ASSISTANCE INSURANCE

In compliance with current European legislation, we provide you with the pre-contractual information for the Bankinter Solidarios Card (version available in Spanish, Catalan, Basque, Galician and Valencian) and the quarterly information on the fees and interest rates applied.

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.

Banks often offer credit cards with either the end of the month payment and the deferred payment (“Revolving”) method, and customers can choose how to repay the amounts they have spent.

When applying for one of these cards or choosing the payment method, you should pay attention to the explanations and warnings about the product, the nominal interest rate (N.I.R.), the annual percentage rate (A.P.R), the chosen repayment instalment, and the applicable fees and expenses, if any. You should "shop around", comparing offers and read the pre-contractual information carefully (especially what would happen if you fail to pay) before signing anything. That way you can be sure you will have made a rational and prudent decision.

These cards are adapted to each customer's needs, granting customers considerable flexibility in payment, but customers should make sure they use their cards responsibly. The deferred (“Revolving”) and minimum payment methods, for instance, are really only intended to be used in temporary situations where customers are short of funds. This means you pay the amount drawn over a very long period of time. The repayment will only include a small part of the amount outstanding and higher interest.

Credit and debit cards use a cryptographic configuration commonly known as CSC (Card Security Code), CVV, (Card Verification Value), CW2, CVC2 or a CID number to provide maximum security for online payments and cut down on fraud. It is used to confirm that the person using the card has it in his possession.

This security code consists of 3 or 4 numbers and is located on the back of VISA or Mastercard or on the main side of American Express cards.

The card's security code provides added value for this payment method. You usually need It when you shop in online store.

This code is secure as it is printed on the card and is not encrypted on the metallic strip or NFC (contactless) chip. This means it cannot be read or scanned by a device to replicate the data.

PIN is an acronym for Personal Identification Number“”“”.

The bank or financial institution assigns you a PIN when you receive your card for the first time. The PIN is usually 4 digits and you can change it at any time to a number of your choice that is easy to remember. If you forget your PIN number, you can see it on our website or in the menu of your card, under the "Consult/Remember PIN" section. If you want to change the PIN number, you can do so at an ATM which has that service or at your branch.

A contactless card is one that you just need to place near the terminal, not inside it. Also, you always need to use your PIN for purchases over 50 euros. For your security, if you reach an amount of 150 euros without having entered the PIN, the system will also ask you for it. You also need your PIN to take money out of ATMs.

You will receive your cards no later than fifteen days after you apply for them through any of our channels (web, app, telephone banking or office), although you can use our Instant Card service to activate the requested card from our web or app and add it to any X-pay (Apple Pay, Google Pay and Samsung Pay) so that you can use it from then on.

Yes, all our cards can be added to x-pay, Apple Pay, Google Pay and Samsung Pay. Find out more at https://www.bankinter.com/banca/cuentas-tarjetas/tarjetas/pagar-con-el-movil

All cards are issued with an expiry date. At least 30 days before that date, we will send you a new one to your home address, so you can always use this payment system.

The operation is very simple, you can activate your card through the app from your mobile or tablet, from your computer at Bankinter.com, by calling Telephone Banking at 91 657 88 00, at any Bankinter branch or at our ATMs.

The collection amount will be charged to the linked account at the end of the month (the first business day following the close of the settlement period).

Yes, you can spend over the card limit but we'll charge you an over limit fee of €20.

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.

Credit cards have the following payment methods:

Interest-free payment in full (0.00% APR)

With this payment model, all your purchases in a month are charged to your account, in a single payment, at the beginning of the following month or in the period defined by the financial institution.

This payment method has one great advantage: everything you spend, you pay the next month without interest or fees. 0.00% APR. And your credit limit becomes automatically available once your payments have been charged to your account, so you can use it for new payments or purchases.

Fixed monthly Instalment payments

Under this payment method, you can choose a fixed amount you want to pay per month, for example €30, €50, etc. The amounts will be charged monthly to the current account you choose until you have finished paying your drawn balance (both the capital and interest). The big difference compared to other payment methods is that the debt can continue to increase if you keep using the card, but you still pay the same amount every month. However, if you don't use your available credit and carry on paying the same amount, your debt will decrease.

The chosen instalment will be applied with a minimum amount. Where the chosen fee is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments as a percentage of the debt

With this payment method, you choose the percentage of the balance on the card you want to pay each month. The instalments are charged every month until you have paid off the balance you have used, including repayment of principal and interest.

For example, you could pay only 10% of the balance drawn. Under this system, the instalments reduce as the outstanding balance decreases. Remember that if you keep on using your available credit, the repayment instalments will increase in proportion.

The chosen percentage will be applied with a minimum amount. Where the chosen percentage is less than the minimum amount, the instalment to be paid will be the minimum amount established by the bank or financial institution.

Payment in instalments over specific periods

Under this payment method, you choose a specific period to repay the money spent. The monthly instalments are calculated by dividing the amount of your purchases, plus interest, by the number of months into which you have decided to divide the payment.

It is very common to spread purchases over 3, 6 or 12 months, for example. As this is deferred payment, the shorter the period, the larger the instalments. And the longer the term, the smaller the instalments, but the more interest you pay.

Spreading one-off purchases

This is a payment method that is being used more and more in supermarkets, household appliance shops and large distribution channels. It also has a Financing Service, which you can use to pay for one or more purchases within a specific period of time, usually between 3 and 36 months, with a minimum amount (to be determined by each bank or financial institution). The idea is for customers to be able to pay one or several one-off purchases while maintaining the end of month payment system.

Payment of a monthly fee €400: Suppose you make a purchase of €1,500 and want to finance it under the Deferred Payment method (“Revolving”) and choose a fee of 400 euros. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (APR 19.00%), you would pay a total amount of €1,554.15, of which €54.15 refers to interest, in four monthly instalments. The first instalment would be €400 and the last €354.15, after which you would have repaid the credit facility in full. Total cost: 54,15€. French repayment system.

Payment of a €30 instalment: Imagine you buy something for €1500 and you want to finance it under the deferred payment method (“Revolving”). You choose to pay €30 (minimum 3% of the balance drawn). In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (APR 19.00%), you would pay a total amount of €2,354.20, of which €854.20 refers to interest, in 73 monthly instalments. The first instalment would be €45.00 and the last €3.92, after which you would have repaid the credit facility in full. Total cost: 854,20€. French repayment system.

Payment of a €100 instalment: Imagine you buy something for €1.500 euros and you want to finance it under the deferred payment method (“Revolving”). You choose to pay €100. In this case, and provided you don't spend any more money with the card, with the fixed nominal annual interest rate of 17.52% (APR 19.00%), you would pay a total amount of €1,705.38, of which €205.38 refers to interest, in 18 monthly instalments. The first instalment would be €100 and the last €5.38, after which you would have repaid the credit facility in full. Total cost: 205,38€. French repayment system.

Naturally, you can use all our cards to pay abroad, without a hitch. But there may be a fee for using international networks for purchases outside the eurozone.

Yes. You can take out money from any ATM but bear in mind that you will have to pay a fee (as you would with other cards).

The most important thing is to block use of your card. You can do this through our website or app by selecting “More transactions” in the card menu and then “Block card”, or by calling Telephone Banking on 91 657 88 00 or +34 916 578 800 from abroad. You can also do this at your branch. If you think your card has been stolen, don't forget to report this. Once your card is blocked, you will no longer be able to use it.

Once your card is blocked, you can use our Immediate Card Service to request a new one using any of our channels. You can then add it to your mobile device's wallet and start using it immediately. There is no need to wait until you receive and activate the card. This service is also available for renewals, duplicates and new cards.