Benefits and promotions

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  ¹ Promotion valid until 12/31/2023 with a limit of three new customers per existing customer, of legal age, with an active Current Account, Salary Account, Pension Account, Business Account or Broker Account, up to a maximum of 5,000 new accounts in total. New customers must be parents, siblings, grandparents or partners of the recommender. This campaign is targeted at individuals living in Spain. The deadline to make the minimum deposit of €15,000 in cash or take out any of our investment products is 30 calendar days from the date the account is opened. As an additional requirement, this minimum amount or the investment products must be maintained for the following six months. The payment of €150 to the referral will be made on the first business day after the 5th of the month following the month in which the promotion requirements have been met. For example, meeting requirements on May 20, the payment will be made on June 6. If this requirement is not met, the new recommended customer will have to return the amount paid for this promotion. The recipient will be required to pay the relevant taxes on the gift and also meet any tax withholding or payment on account that Bankinter may be legally required to make. Bonuses qualify as monetary income subject to tax withholding and payment on account. As monetary income, the withholding tax base will be calculated by increasing the acquisition value or cost for Bankinter by 20%. All of the above is without prejudice to any specific tax laws and regulations in force in Navarre and the Basque Country. This promotion cannot be combined with any other offers or promotions.
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  ² 5% interest-bearing accounts: Offer valid until 31/12/2023. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
  
  

  The maximum interest-bearing balance is €10,000. Year 1: nominal annual interest rate of 4.94% (5% AER). Year 2: nominal annual interest rate of 1.99% (2% AER). Interest paid every six months. Example for a daily balance of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.

  In order to earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) bills by direct debit per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, you do not have to activate the linked credit card. For the Non-Salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.

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  ³ If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until 31/12/2023 for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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  ⁴ Promotion valid until 31 December 2023. Restrictions apply. See details at: amazon.es/tarjetas-regalo-condiciones.
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  ⁵ Loyalty Plan Pension Plan: Annual bonus of 0.25% of the equity in your Individual Pension Plans at year end, provided that your equity is equal to or greater than €30,000 and is maintained until the bonus payment date (15 February of the following year), and provided that you have made contributions of €1,500 between 1 January and 31 December. Transfers do not count as contributions. The payment of this bonus is considered to be capital gains and the gross amount is therefore subject to personal income tax. Consequently, the amount credited to your account will be the resulting net amount.
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  ⁶ 5% - 2% regular contributions promotion: To qualify for the promotion you must hold a Salary, Pension, Business, Non-Salary, Youth Salary Account, Tú y Yo, Broker or Current account with Bankinter and make a regular contribution from that account of at least €50 per month to an investment fund, pension plan, EPSV or individual systematic savings plan (PIAS), or alternatively allocate €250 per month to the purchase of shares. The promotion applies exclusively to product lines where you do not currently have regular contributions and have not had them in the last 12 months. If you fail to make any of these regular minimum contributions you will not receive the bonus. First year: 5%. Second year: 2%. Monthly settlement on the total accumulated net balance: sum of regular contributions made to investment funds, pension plans, EPSVs, PIAS and shares, minus redemptions from investment funds with declared regular contributions and external transfers of investment funds, pension plans, EPSVs, PIAS and shares with declared regular contributions. The maximum bonus-bearing balance is €1,000. The following is an example for a regular monthly contribution of €100 to an investment fund over the course of 24 months. Total first year bonus: €31.26 gross. Total second year bonus: €20.04 gross.
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  ⁷ 5% Plan: To activate the 5%-2% Plan you must be the holder of a Mini or Youth account and you must make a monthly contribution of at least €50 to one or more investment funds marketed by Bankinter and linked to your account. If you do not make this minimum monthly contribution, you will not receive the bonus. First year: 5%. Second year: 2%.

  Monthly bonus paid on the total balance contributed to the fund since the activation of the plan. The maximum bonus-bearing balance is €1,000. Below is a typical example for an initial subscription of €1,000 to an investment fund with a scheduled regular contribution of €50 per month for the next 23 months. Monthly bonus the first year: €4.17 (total annual bonus: 50,04€). Monthly bonus the second year: €1.67 (total annual bonus: 20,04€). This promotion is valid for all Mini and Youth accounts opened before 31 December 2023.

  The fund prospectuses, the key investor information document and the other legal documents for Bankinter's collective investment institutions are available in our branches, on the Bankinter website (bankinter.com) and on the website of the Spanish National Securities Market Commission (CNMV) (www.cnmv.es). The time frame for each fund is specified in the Key Investor Information Document.

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  ⁸ Broker account: Promotion valid until 31/12/2023 or until a maximum of 40,000 new accounts have been opened. Nominal annual interest rate of 2% (2.02% APR). Interest paid quarterly. For a sample daily balance of €5,000 in a Broker Account, the gross remuneration calculated for a settlement period of 90 days would be: 1st quarter: €24.66, 2nd quarter: €24.66, 3rd quarter: €24.66, 4th quarter: €24.66. To be eligible for this remuneration, you must perform at least 10 buy/sell trades on the market each calendar quarter via any of the channels available for arranging the products offered by Bankinter Broker at any given time. Transactions performed using accounts (securities, derivatives and/or fixed income) associated with the Broker Account and any other Bankinter account where you are the holder or joint holder will be taken into account when calculating the number of transactions. The promotion does not include currency trades or trades using delegated portfolio management services. You must also pay a standard custodial fee on the securities account linked to the Broker Account and on all securities accounts you hold or hold jointly with others.Only one Broker Account is permitted per customer, who must be a private individual resident in Spain. This account is not available to Bankinter Group employees and agents. The currency of the Broker Account is the euro.
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  ⁹ Securities transfer promotion: Promotion valid until 31.12.2023 for securities accounts with standard conditions, applicable to securities and ETFs listed on the Electronic Trading Market and international markets. The minimum will be 20 euros per security code if the cash value of the transferred portfolio is 18,000 euros or more, and 8 euros if it is below 18,000 euros. For more than one securities transfer carried out in a 12-month period, the minimum fee per security code transferred will not apply, only 0.10% of the cash value of the securities transferred. Promotion valid for accounts that have been held for at least 12 months. If this requirement is not fulfilled, the bonus must be returned. Applicable only to accounts with standard conditions.
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  ¹⁰ Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros Life Insurance sold by Bankinter, as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana, 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es under the bancassurance operator code OV-0028, which has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors; private insurance, pension plans and funds, and taxation and tax litigation.
  The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
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  ¹¹ Liberty Seguros, Compañía de Seguros y Reaseguros, S.A comprehensive home insurance sold by Bankinter, as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana, 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es under the bancassurance operator code OV-0028, which has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors; private insurance, pension plans and funds, and taxation and tax litigation.
  The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
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  Bankinter Pension Plans: The key information document for the unit holder is available at www.bankinter.com. The pension plan promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The depositary of the pension funds is Bankinter, S.A.
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  Retirement Plans: Bankinter EPSV Individual Retirement Plan: Promoter Partner: Bankinter, S.A.: Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.