Benefits and promotions

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  ¹ 5% interest-bearing accounts: Offer valid until 30.06.2023 for new and existing individual customers resident in Spain. To apply for a Salary/Pension/Business, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month and those payments must not be currently paid into another Bankinter account. Customers must not have been holders of a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening the account and may not have received any remuneration for any of these accounts. To open a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time in the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €5,000. 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 in the Salary Account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. To earn and retain all the benefits of our Salary/Business/Pension, you must maintain your declared level of income and pay at least three direct debits out of the account 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, activation of the linked credit card is not required. 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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  ² If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 30/06/2023 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
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  ³ Promotion valid until 30 June 2023. Restrictions apply. See details at: amazon.es/cheques-regalo-condiciones.
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  ⁴ Transfer of Pension Plans: Offer valid from 01/03/2023 to 30/04/2023. The bonus is 3.5% gross of the net balance of incoming and outgoing transfers requested during the promotion period for transfers of pension plans of €60,000 or more (2.5% gross for transfers of pension plans of €30,000 or more and less than €60,000, and 1.5% gross for transfers of pension plans of less than €30,000 and €1,000 or more). It will be paid on 31 May 2023 (except for transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 May 2023). If you transfer your pension plan and at the same time you set up a regular monthly contribution of €100 or more for at least 24 months, and the first contribution is made between March and April 2023, you will receive an extra bonus of 1.5% of the amount transferred: 5% gross for transfers of pension plans equal to or more than €60,000 or 4% gross for transfers of pension plans if the amount is equal to or more than €30,000 and less than €60,000, or 3% gross for transfers of pension plans if the amount is less than €30,000 and equal to or more than €1,000. The maximum bonus will be €7,000 gross. The pension plan must remain with Bankinter for at least seven years (until 30/04/2030). 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. This offer does not apply to transfers of the following pension plans: Bankinter Roboadvisor Conservador, Bankinter Roboadvisor Moderado and Bankinter Roboadvisor Dinámico. If, during the minimum contract period, the customer reduces their existing vested/economic rights on the date of this bonus campaign, whether through the total or partial transfer to another bank, the transfer of the Roboadvisor pension plans stated above or the redemption of your vested/economic rights, you will be obliged to return the total gross amount of the bonus received.
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  ⁵ Voluntary Pension Scheme (EPSV) Transfer: Offer valid from 01/03/2023 to 30/04/2023. The bonus is 3.5% gross (0.69% APR calculated over 5 years) for retirement plan transfers of an amount equal to or greater than €60,000, 2.5% gross (0.50% APR calculated over 5 years), for transfers equal to or greater than €30,000 and less than €60,000 and 1.5% gross (0.30% APR calculated over 5 years), for retirement plan transfers if the amount is less than €30,000 and equal to or greater to €1,000 of the balance corresponding to the net of incoming and outgoing transfers requested during the promotion period. It will be paid on 31 May 2023 (except for transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 May 2023). If the customer transfers a Bankinter Previsión retirement plan, individual EPSV, and at the same time sets up a regular monthly contribution of €100 or more for at least 24 months, and the first contribution is made between March and April 2023, the customer will receive an extra bonus of 1.5% of the amount transferred: 5% gross (0.98% APR calculated over 5 years) for retirement plan transfers of an amount equal to or greater than €60,000, 4% gross (0.79% APR calculated over 5 years), for transfers equal to or greater than €30,000 and less than €60,000 or 3% gross (0.59% APR calculated over 5 years), for retirement plan transfers if the amount is less than €30,000 and equal to or greater to €1,000. You must keep your Bankinter EPSV Individual Retirement Plan for at least seven years (until 30/04/2030). The maximum bonus will be €7,000 gross.
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  ⁶ 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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  ⁷ 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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  ⁸ 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 30 June 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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  ⁹ Broker account: Promotion valid until 31/03/2023 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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  ¹⁰ Welcome Promotion This only applies to Bankinter Broker trading fees. It does not include fees, taxes or postage. The bonus will be paid as a stock market voucher ('Bono Bolsa') worth €1,000, which will be available the day after you open your securities account. Bankinter fees for any product or broker service, except for Foreign Currency, carried out online or via mobile during the first month will be discounted up to a maximum of €1,000. Promotion valid until 30/06/2023, exclusively for customers that open a securities account and who have never previously held a securities account at Bankinter.
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  ¹¹ Securities transfer promotion: Promotion valid until 30/06/2023 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. The 'Bono Bolsa' transfer voucher will be 600 euros and will be valid for a period of three months, which cannot be combined with the voucher for opening a securities account, if this new customer has received one in the last six months. The 'Bono Bolsa' voucher does not include taxes, postage charges or custodial fees and will be assigned to the securities account where the securities are placed. 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. The 'Bono Bolsa' transfer voucher will only be provided for the first transfer. Promotion valid for accounts that have been held for at least 12 months. If this requirement is not fulfilled, the bonus must be returned.
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  ¹² 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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  ¹³ 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.