Dual Mortgage
We've reduced the price of our Dual Mortgage.
- A different, one-of-a-kind mortgage created by Bankinter.6
- The Dual Mortgage combines fixed and variable interest at the same time, in the same instalment and however you choose to split it.7
Switch to Bankinter
A service that allows you to switch to Bankinter without having to visit a Bankinter branch.
Broker Cero Service
We've done away with our fees for buying and selling shares in the national market.9 And from now on, if your securities are lent we share part of the profits with you.10
- Without any change to your trading.
Bankinter Family
For you, for your children, for your elders. For when you need us, Bankinter in family.
IMPORTANT INFORMATION
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Desplegar/Plegar texto legal1 The Digital Smart Account is a free current account with two pockets: the first pocket up to €5,000 for your day-to-day needs (0% NIR) and a second pocket for your savings, earning interest on up to €50,000 (2.47% NIR). If you direct deposit your payroll and activate Bizum, the second pocket will earn interest on up to €50,000 (2.96% NIR).
In case of income, the balance of the first pocket that exceeds €5,000 will automatically be transferred to the second pocket.
In the event of a charge, the required amount will be deducted from the first pocket. If the amount of the charge is greater than the available balance of the first pocket, it will be deducted from the available balance of the second pocket.
APR from 0%, with a balance of up to €5,000 only in the first pocket and an APR of up to 2.50%, with a balance of up to €50,000 only in the second pocket, in this case earning €1,235 per year (as long as the APR and balance do not vary in one year). And, in addition, if you direct deposit a payroll or other eligible recurring payment and activate Bizum, the 2nd pocket will earn interest on up to €50,000 with an APR of up to 3.00% for up to one year with a balance of up to €50,000 in the 2nd pocket only. In this case, you will receive €1,480 (as long as the APR and balance do not vary in one year). Interest paid monthly. Exclusive offer for new customers.
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Desplegar/Plegar texto legal2 Set up automatic payments for a payroll, pension, unemployment benefit or self-employed Social Security fee.
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Desplegar/Plegar texto legal3 5% interest-bearing accounts: Offer valid until -. 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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Desplegar/Plegar texto legal4 If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Desplegar/Plegar texto legal5 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 - for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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Desplegar/Plegar texto legal6 Source: Inteliens. Comparative study carried out at the beginning of September 2023 of 16 financial institutions, on the conditions of mortgage products, which concludes the following: no institution in the analysed universe allows customers to choose the distribution between the percentage allocated to a fixed rate and the percentage allocated to a variable rate. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), public and private websites, visits to branches as a prospect and calls to financial institutions as a areal customer. Read the study here.
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Desplegar/Plegar texto legal7 The maximum percentage allocated to each of the settlement tranches may not exceed 90%, and the sum of both tranches must not exceed 100% of the loan's nominal amount. Offer for new mortgages.
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Desplegar/Plegar texto legal8 The service is available to holders, so all of your securities accounts are covered by it. By signing up to the Broker 0 service, customers must make the securities in the securities accounts linked to the service available, meaning that Bankinter Broker may use them for loans at any time.
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Desplegar/Plegar texto legal9 The amount will take the form of a credit to the current account, provided the securities have been lent, subject to tax withholding as a return on capital transferred to third parties. The payment amount will depend on the interest rate at which the securities borrowed are quoted and will always accrue in arrears.