FAQs about EVO migration to Bankinter

You have access to multiple interest-bearing accounts that offer up to 5% AER the first year and up to 2% AER the second year, plus our Salary Account, Business Account, Non-Salary Account, Youth Salary Account and Pension Account. Bankinter also offers other accounts, such as the Tú y Yo Account for sharing expenses, the Youth Account and the Mini Account.

No, your mortgages and loans remain exactly the same after the migration. You'll enjoy the same conditions you had at EVO.

At Bankinter you have access to more than 8,000 investment funds, including the Smart Digital Fund if you had arranged it with EVO. Bankinter Gestión de Activos will manage the Bankinter Smart Fund. In addition, you can invest in other Bankinter funds and in funds from prestigious national and international third-party managers, including sustainable funds.

You can also access the Bankinter Roboadvisor, the first roboadvisor launched by a Spanish bank, with its own portfolios of funds and pension plans, including sustainable fund portfolios.

Plus, you have access to Bankinter's Capital Advisor, the first fully digital advisor launched in the Spanish banking sector, where you can get advice and manage your investments online.

As a customer of Bankinter, you have access to the Bankinter Broker, which offers a wide range of products to invest in both equities and fixed income, with a particular emphasis on fixed income, which was not available at EVO.

Yes, now as a customer of Bankinter you have access to alternative investments. Bankinter is one of the most important banks in Spain and Portugal.

Now that you are a customer of Bankinter, you have access to a much wider range of pension plans at Bankinter, including: Premium Plans, Life Cycle Plans, Fixed Income Plans, Equity Plans, Mixed Plans, Plans for Self-Employed Workers, and a range of Sustainable Pension Plans, also available through the Bankinter Roboadvisor. Depending on your pension plan portfolio at EVO, we will have informed you which Bankinter pension plans your plans will be migrated to. In any case, the Bankinter plans will respect the risk levels of your original plans.

As a customer of Bankinter, you have access to a wider range of insurance options, including the Insurance for you and your family from Bankinter.

Yes. As a customer of Bankinter, you have access to wealth management services, which is what we call private banking at Bankinter. Besides, Bankinter is one of the leading banks in Spain for these services.

As you are now a customer of Bankinter, you have access to multiple options, such as the Duo Credit Card, the Visa Solidarios Card if you want to contribute to NGO projects, and many more. You can also get virtual cards, which have become very popular for online purchases.

If you've already obtained your credentials, you don't need to do anything. You can use them to log in to the Bankinter app and see all your products.

You don't have to do anything. You can now see your accounts and products through the Bankinter app.

Yes, you can change your Bankinter password at any time through the Bankinter website or app.

Don't worry: call Telephone Banking on 91 657 8800 and they'll assist you.

If you lose or forget your Bankinter passwords, you can recover them through the Bankinter website or app. Select CUSTOMER LOGIN, click or tap "I've forgotten my username and/or password" and follow the instructions provided.

The PAC (Personal Access Code) is a 4-digit code used to contact the Customer Service area.

The coordinates card is a security method used to carry out certain transactions at Bankinter. We recommend you have it handy when you perform transactions.

You can get a new coordinates card or check your PAC through the website and app. Go to the "Profile and Security" section.

For certain transactions we'll ask you for a number from your coordinates card, in addition to the code sent to your phone.

The coordinates card adds another authentication factor to supplement your username and password. 

Because this factor changes continuously rather than remaining static like a PIN, it makes it harder for electronic fraudsters (such as phishing attacks) to capture your credentials and carry out fraudulent transactions. 

Additionally, a graphical panel is used when coordinates are entered, which prevents the risk of malicious programs capturing information through the keyboard. 

If you have an iPhone, you can Use the “Files” app
- Open the Files app (it's pre-installed by default in iOS). 
- Tap “Explore” (bottom right). 
- Tap “Recent” or go to “On my iPhone” > “Downloads” or “iCloud Drive”. 
- Look for the name of the PDF file or swipe to search for it visually. 

Use iOS Search  
- From the Home screen, swipe down to display Search. 
- Type part of the PDF filename if you remember it or just enter “.pdf”. 
- iOS will return results from the Files app, Safari, Mail and so on. 

If your phone is Android, you can Use the “Files” (or “My files”) app 
- Open the “Files” or “My files” app “”(depending on the manufacturer: Samsung, Xiaomi, etc.). 
- Go to the “”“Downloads” folder. 
- Search for the PDF file manually or use the magnifying glass to search by name or “.pdf”. 

Use system search 
- From the home screen, swipe up to see all your apps. 
- Use the search bar in your launcher (for example, on Samsung or Pixel phones) and type part of the file name or “.pdf”. 
- The file will appear if it's saved locally. 

Starting 14 July, you'll be able to see your positions on the Bankinter website and app. You'll also find your coordinates card there. If you prefer to generate a new one for security reasons, you can do that as well.

In the app, you'll find it by tapping the side menu, selecting My Data and Security, and then Digital Security.

On the website, click on your name in the top right corner and then on PROFILE AND SECURITY.

You will now be able to see your coordinates card or generate a new one. 

Now that you are a customer of Bankinter customer, we can help you with your questions, operational enquiries, technical assistance, product information, etc. through our phone numbers or email. You'll find out contact details for the help you need at https://www.bankinter.com/banca/nav/atencion-cliente

Your account number has changed, but don't worry! All credits to your account, even if they arrive with the old number, will still be made. Your regular transfers will also continue to be sent and your direct debits will continue to be charged.

You can check your new IBAN directly through the Bankinter website and app by clicking or tapping on your account details.

You can add a holder to a Bankinter account during account opening process. In the case of an authorised user, you can add them through the Bankinter app.
The people you authorise will receive a notification confirming the authorisation through the Bankinter website or app.

To authorise people who are not Bankinter customers, contact your branch or personal manager.

You can check transactions made since January 2024 directly through the Bankinter website or app, in the Accounts section. If you need a statement of transactions before that date, you can request it through Bankinter's customer service channels.

At Bankinter you have a single current account with two buckets:

1. For the Smart Account, a first bucket for up to €4,000 at 0% AER and a second bucket where we'll pay you 0.7% AER on balances up to €30,000, and 1.11% AER if you meet the conditions (the same ones as with EVO). Interest payments will continue to be made monthly and your money will always be available without penalty.

2. For the Welcome Smart Account, a first bucket for up to €4,000 at 0% AER and a second bucket where we'll pay you 2% AER on balances up to €30,000, without meeting any conditions. Interest payments will continue to be made monthly and your money will always be available without penalty.

With this change, you'll be able to see the status of your accounts at a single glance, avoiding confusion between the two accounts and also eliminating the automatic transfers that are currently made. The system will no longer initiate automatic transfers to the 15-day deposit account when the balance in the current account exceeds €4,000, and nor will it carry out daily transfers triggered by deposits over €10,000 into the current account. Now, transfers will take place on a daily basis.

The way you draw on the account balance has changed. Here are some examples of the new procedure:

What happens if I deposit €60,000 into my Smart Account or Welcome Smart Account?

At the end of the day, the €60,000 will be divided between the two buckets:
- The first €4,000 will be placed in the first bucket at 0% AER. 
- The remaining €56,000 will be placed in the second bucket and, in the case of the Smart Account, we'll pay you 1.10% AER up to €30,000 if you meet the conditions (the same ones you had at EVO) and 0.7% AER up to €30,000 if you don't meet the conditions. In the case of the Welcome Smart Account, we'll pay you 2% AER up to €30,000.

What if I need to transfer €5,000 and I have €1,500 in the first bucket and €34,000 in the second one?

You can make the transfer through your app or online without any problem. The system will first transfer the money from the bucket that doesn't earn interest (€1,500) and then transfer the rest (€3,500) from the second bucket. So you will still have €30,500 in the second bucket, of which €30,000 will continue to earn interest. That's how we ensure that your savings that earn interest remain intact. This is a major difference because at EVO you would withdraw the €5,000 directly from the deposit account, reducing the interest-bearing part to €25,000.

You will continue to receive interest on your Smart Account each month, and the credit date will now coincide with the day of the month on which you opened the account.

Yes, all your direct debits have automatically been transferred to Bankinter. This means that your recurring payments, such as electricity, water, telephone, insurance and other bills, continue to be made as usual. If you're setting up a new direct debit, we recommend that you always provide the new IBAN.

You'll be able to manage them directly through the Bankinter app and website.

Yes, at Bankinter you can order instant transfers through the app and website.

Yes, your regular transfers have migrated to Bankinter. You can change or remove them through the Bankinter website and app.

- Your account remains a FEE-FREE account. 
- Your money is still always available. 
- Your scheduled direct debits and regular transfers have moved with you to Bankinter. You don't have to do anything. 
- You can continue to withdraw money with your debit card for free at thousands of national ATMs.
- Now, when making purchases abroad you have the advantage of the Visa exchange rate. 
- Your transfers in the Eurozone, including instant ones, are still free if you make them through the app or website.

No, deposits have been transferred under exactly the same conditions.

Yes, your money will always be covered by the Deposit Guarantee Fund.

You can check your deposit under "Savings and investment" on the Bankinter website or app. Both the deposit interest rate and maturity will appear in this section.

Some deposits allow automatic renewal on maturity. If you select this option, the deposit will be automatically renewed for the same term upon maturity at the interest rate that was valid on the business day before the maturity date. If you don't want to renew your deposit, you must notify us at least three business days before the maturity date.

You can enable and disable the automatic renewal option on bankinter.com.

If your card is a debit card, you still have that debit option with instant charges to your account. You can seeyour transactions in the Bankinter app.

If your card has a credit limit, which you can check in the app, you still have that credit card option with end-of-month payment. Remember, you can manage your payment methods through the Bankinter app.

You can pay off your purchases early by transferring money to your card whenever you need to.

You can get fee-free cash withdrawals with your debit card at all Bankinter ATMs, and at more than 18,000 ATMs with which we have agreements with in Spain.

Yes, you can continue using your EVO card as usual until it's due for renewal, at which point we'll send you a new card with the Bankinter design.

You can activate your new card through the Bankinter app, website and ATMs.

You can check your card balances and transactions through the Bankinter app, website and ATMs.

You'll be able to see information for the past three months.

To temporarily block or "turn off" your Bankinter card in the app, follow these steps:

1. Open the Bankinter app: Log in to your account in the mobile app.
2. Select "Cards": Look for the option or section for your cards.
3. Choose the desired card: Select the card you want to block or turn off.
4. Look for the "Turn off card" or "Block card" option: In the card options menu, look for the option to temporarily turn it off or permanently block it.
5. Confirm the action: Follow the app instructions to confirm the action of turning off or blocking the card.

The first thing you should do if you have any doubts about a transaction is to freeze your card. If you definitely don't recognise the charge, block the card. Before filing a claim, please remember that transaction in question must be a firm one. This applies to both debit and credit cards. If the transaction is still “on hold”, i.e. held but not charged, it is not a firm transaction and you won't be able to file a claim.

When should you report an incident to the police? You must always report fraud or theft to the police, and you should do so as soon as possible. In these cases you will need a copy of the police report to initiate your claim with us.
You can find all the necessary information and documents here.

To set your card limits through the Bankinter website and app, go to the Cards section. Next, select the card you want to change, look for "Settings" and then "Change Limits". In this section you can customise your card usage limits according to your needs.

If you lose your Bankinter card, you can request a duplicate through the app or website. Select the card on the "Global Position" screen, then go to "Options", "Transactions" and "Request Duplicate". Once you have requested a duplicate, we'll block your current card and send you a new one by post.

Depending on your preferences, you can change the payment method (end of month or deferred) through the app or website, selecting the card menu, “Settings” and then “Change Conditions”. Alternatively, you can call telephone banking.

At Bankinter you can transfer money to your credit card for the purchase amount needed through the app and website. Go the card menu, select“Settings” and then “Transfer funds to cards”,

The insurance with your card is tailored to the terms and conditions of Bankinter Insurance. If you have a debit card, you have AF5 accident insurance. If your card is a credit card, you get AF4 accident insurance and travel assistance insurance. You can find more details here.

Yes, your cards will work normally abroad, but remember, if you had limited purchases in certain geographic areas, there will no longer be any limits for any region.

You can change your Bankinter card PIN at Bankinter ATMs.

The cut-off date is the third-last business day of each month, and you account is charged on the second-last business day.

Yes, Bankinter has a "Paga Cómodo" service that lets you to defer activity in your current account, such as bills, transfers, Bizum payments, debit purchases, etc., against a predefined limit for these transactions. That way, you protect your card limit. This product is subject to approval based on the Bank's risk policy.

Yes, they're working normally and you don't have to do anything. Your subscriptions are charged to your card, as before.

No, both your card number and PIN remain exactly the same.

Your cards can be enabled for both Apple Pay and Google Pay depending on your device's operating system.

With Bankinter you can make your purchases more secure by taking out virtual cards that replicate your physical credit or debit card. They're free and have the same conditions as the card they are associated with. There are two types: single-use and recurring. You can find all the information at https://www.bankinter.com/banca/cuentas-tarjetas/tarjetas/tarjetas-virtuales

Yes. With the "Split Purchases" service, you can defer payment for one or more purchases totalling a minimum of€90 (or the minimum amount determined at any given time) for a period of 3 to 36 months.

Yes, your deferred purchases have been transferred to Bankinter. Please note that you won't pay any interest or principal in your July payment, so the repayment schedule will be extended by one month, with the next payment due in August as normal.

Yes, at Bankinter you can transfer money from your credit card to your account using the "Dinero a tu cuenta" service. Besides, if you transfer more than €90 you can split the charge it in the same way as card purchases you make with the "Split Purchases" Service.

If you had a credit limit with EVO, you had a credit feature on your card. Now, you have the same limit with Bankinter, also on a credit card. The biggest change with respect to the Smart Card is that if you use up your available limit, the transaction won't be charged to your account balance, because it's credit. Likewise, once you reach your limit, you'll have the option to move money from your account to your card to replenish your available credit.

Bankinter now references the VISA exchange rate, which is more beneficial.

You can get free debit cash withdrawals of any amount at more than 17,000 ATMs. In the entire Bankinter ATM network and at partner ATMs.
Partner ATMs: Deutsche Bank, Euro Automatic Cash, Grupo Cajamar, Banca March, Grupo Cajas Rurales, Laboral Kutxa Bank, Euronet and banks in the EURO 6000 Network.

To check your mortgage, log in to the Home page of the Bankinter app or website. Next, scroll down to the “Financing” section, where you'll see your mortgage and/or loans. Tap on the product name to see all the details. Alternatively, tapping on the three dots will take you directly to options like Repayments and Interest Rate History.

No, the conditions are exactly the same, no changes whatsoever.

They remain exactly the same as at EVO.

You can see the interest rate and the remaining term of your mortgage with Bankinter by logging in to your account online or in the Bankinter mobile app. In the "Financing" section, clicking on the three dots next to each item will reveal a menu where you can obtain all the information related to your mortgage.

No. As the terms and conditions remain the same, so do your instalments. Any changes would only occur during the Euribor review period if you hold a variable-rate mortgage, or if you no longer qualify for interest rate discounts relating to bundled products (as was the case until now with EVO).

Yes, the Bankinter app lets you advance instalments on your mortgage or partially repay it. You can also notify us, either in writing or by contacting the Telephone Banking Service.

To change the account at Bankinter used to collect your loan instalments, call Telephone Banking or visit a branch. There is no fee for this change, but it's important to provide advance notice to ensure that it's carried out correctly.

Yes, at any Bankinter branch or through the website in the "Mortgages and Loans" section.

To check the details of your mortgage from Bankinter, go to your private area on the Bankinter website and look for the "Financing" section. You should be able to find information about your mortgage here, including the repayment schedule, mortgage terms and the next review date.

Your mortgage hasn't changed at all as regards the conditions. The features of your mortgage are exactly the same. However, you now have a different loan account number. This is because Bankinter has taken over the management of your mortgage. Bankinter has numerous contact channels if you need to carry out any mortgage-related procedures.

If you want to repay your mortgage early, phone Telephone Banking and our staff will assist you. You can also go to a Bankinter branch. 

Yes, the discounts haven't changed so you'll get the same ones you had at EVO.

You can do this by calling Telephone Banking or visiting a branch.

You can visit a Bankinter branch or contact the Customer Service area. 

To see your guarantees in the Bankinter app or website, go to "Communications" and then "Documents." This will take you to the "Guarantees" option, where you can view information and download documents related to your guarantees.

You can check and manage you stocks on the Bankinter Broker platform, accessible through; 
· Online banking: www.bankinter.com 
· Bankinter Broker app: Available for iOS and Android.

The ownership and characteristics of your stocks remain the same, but Bankinter has its own fee and custody structure.

Yes, Bankinter applies its own share dealing and custody fees, which are different from the ones at EVO Banco. We informed you of these differences along with the changes in the conditions of your Investment Account. You can check them in your online correspondence or the email we sent you explaining the changes.

You still have access to the main domestic and international markets, although how this works may differ, depending on the product.

You can see and manage your ETFs on the Bankinter Broker platform, available through:

• Onling banking: www.bankinter.com
• Bankinter Broker app: available for iOS and Android.

ETF conditions remain the same, but Bankinter applies its own custody and fee structure, which has some differences compared with EVO Banco. We informed you of these differences along with the changes in the conditions of your Investment Account. We also sent you an email explaining the changes.

Yes, ETF trading is still available through Bankinter Broker, accessible either through the website (www.bankinter.com) or the Bankinter Broker app.

You can check your funds through the following channels: 
· Online Banking: www.bankinter.com. 
· Bankinter App, available for iOS and Android. 
Your holdings appear under Savings and Investment, specifically in Investment funds, both in online banking and in the app.

The specific conditions of each fund are the same. However, at Bankinter we apply our own custody and fee structure, which has some differences compared with EVO Banco. We informed you of these differences along with the changes in the conditions of your Investment Account. You can check them in your online correspondence or the email we sent you explaining the changes.

For investment funds from the management company Bankinter Gestión de Activos or from international management companies, you can manage new subscriptions, redemptions and transfers as before.
However, for national funds from management companies other than Bankinter, you can only manage redemptions and outgoing transfers. You can't make new subscriptions to these funds.

The regular contributions and redemptions you had set up at EVO Banco haven't migrated to Bankinter. You can set up your regular contributions again on the Bankinter platform, but you can't set up regular redemptions.

Before investing in a fund for the first time, Bankinter will assess whether the product is suitable for your investor profile, ensuring that it aligns with your needs and circumstances.

Your funds with international management companies have been transferred to Bankinter. You don't need to do anything. You can see your holdings in the Funds section, under Savings and Investment, and you can also manage subscriptions, redemptions and transfers there.

Your national funds from non-Bankinter management companies have automatically been transferred to Bankinter. You don't need to do anything. You can see your holdings in the Funds section, under Savings and Investments, although you can only request redemptions or outgoing transfers, not new subscriptions.

You can check the status of your Smart Fund through Bankinter’s online banking platform and mobile app. Just select Funds and then Savings and Investment.

The general conditions of the Smart Fund remain the same, as do the investment policy and the fees applied. However, transactions are now managed under the rules and fees of Bankinter Gestión de Activos. Your Smart Fund now appears as a national Bankinter fund.

You can make contributions, redemptions and transfers at www.bankinter.com and through the Bankinter app.

For the time being, the fund's broad strategy and investment policy remain the same.

Your Smart Investment Plan remains active at CASER(Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A.).

Your contributions and current balance are exactly the same. You don't have to do anything, your investments automatically remain active.

No, the essential conditions of the plan are the same: 
· It's still life-savings insurance managed by CASER. 
· The profitability, security and liquidity conditions all remain the same.

Yes. The current transfer order has been replaced by a SEPA Direct Debit Mandate. This means that CASER will automatically send the collection instructions to Bankinter. 
Remember: If you request full redemption of your investment, the charges for the last 60 days will be debited after that period.

Your regular contributions automatically remain active. You don't have to do anything. You'll continue saving normally, as before.

For now, the investment policy remains the same.

Plan de pensiones EVO        Plan de pensiones Bankinter

EVO Conservative                   Roboadvisor Conservative

EVO Agresivo                            Roboadvisor Dinámico

EVO Dynamic                           Moderate Roboadvisor

EVO Renta Fija Mixto             Premium Conservador

EVO Fixed Income C.P.                 BK Fixed Income C.P.

EVO Renta Variable                BK Variable Internacional

You can all the Bankinter pension plans here.

You can find all Bankinter's Roboadvisor pension plans here.

Your Piggy Bank remains active at CASER (Caja de Seguros Reunidos, Compañía de Seguros y Reaseguros, S.A.). 
Your contributions and current balance remain exactly the same. You don't have to do anything, your investments automatically remain active.

No, the essential Piggy Bank conditions remain the same:

• It's still a life insurance savings plan managed by CASER.
• The profitability, security and liquidity conditions all remain the same.

For now, the investment policy remains the same.

Your regular contributions automatically remain active. You don't have to do anything. You can continue saving normally, as before.

Smart saving rules (such as rounding, percentage of income, joint contributions, no caffeine, no nicotine or saving with your team) have been disabled and are no longer available. From now on, if you want to continue saving you will have to do so through regular or one-off contributions.

Your Wallet remains active at CASER (Caja de Seguros Reunidos, Seguros y Reaseguros, S.A.).
Your contributions and current balance remain exactly the same. You don't have to do anything – your investments automatically remain active.

No, the essential conditions of the Wallet remain the same:

• It's still a life insurance savings plan managed by CASER.
• The profitability, security and liquidity conditions all remain the same.

Your regular contributions automatically remain active. You don't have to do anything. You can continue saving normally, as before.

Smart saving rules (such as rounding, percentage of income, joint contributions, no caffeine, no nicotine or saving with your team) have been disabled and are no longer available. From now on, if you want to continue saving you will have to do so through regular or one-off contributions.

You can re-add your other bank accounts through the Bankinter website or app by clicking or tapping the central orange button and selecting "Manage other banks".

You can access the programme through the Bankinter website, in the Transactions/Cards menu, selecting “Discount Programme: EURO 6000 Plus”.

You have two options to purchase foreign currency from Bankinter: by request it through the website or app, or by using ATMs with your card.

If you want to send money to an ATM from the Bankinter app without a card, you can use our Halcash service. Just follow these steps:

1. Open the Bankinter app: Log in to the Bankinter app on your phone.
2. Select Halcash: Look for and then select "Halcash" in the app.
3. Supply details: Enter the recipient's phone number, the amount to transfer (between €10 and €600) and a 4-digit security code of your choice. 
4. Share the code: You must inform the beneficiary of the security code you have chosen.
5. Recipient receives SMS: The recipient will receive an SMS with a different security code and the withdrawal amount.
6. Withdraw at ATM: The beneficiary can go to any ATM with the code received via SMS and the code you provided and withdraw the money without a card.

You can save your contacts as favourites through the Bankinter website and app. You have two options to do this:

• When you make a transfer, select "Add as favourite contact".
• In the Transfers view, go to "Favourite Transactions" and select "New Contact".

You can download your activity and ownership certificates through the Bankinter website and app. Go to "Communications" and then "Documents". Next, select "Certificates" to request or see your certificates. 

If you need to retrieve a certificate from before the migration and haven't downloaded it, contact Bankinter's usual customer service channels.

No, you don't need to do anything. Besides, contributory pension payments are being brought forward and will now appear in your account between the 23rd and 27th of each month.

No, you don't need to do anything. Besides, pension payments have been brought forward and will now appear in your account between the 8th and 10th of each month.

You have exactly the same benefits and conditions with the insurance policies you currently have.

The only change is that of the intermediary of your policy or policies. Bankinter, S.A., as the linked BANCASSURANCE OPERATOR with code OV0028, has automatically replaced EVO Banco as the new intermediary of your policy.

For any questions regarding your policy or to arrange insurance, please contact us through our usual communication channels. Please note that Bankinter, S.A. is the authorised BANCASSURANCE OPERATOR for these services.

To purchase new insurance policies through the Bankinter app or website, go to "Purchase our products", select "Insurance" and then choose the policy that suits your needs. This section contains detailed information, including the coverage and conditions, for all the insurance products Bankinter offers.

Yes, you still have Bizum with Bankinter. There's no need to register again, and you can still send and receive money normally with your usual number.