Bankinter accounts

IMPORTANT INFORMATION

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  ¹ Interest-bearing accounts (5%): Valid until 31/03/2022 for new and existing customers; customers must be individuals resident in Spain. To apply for a salary/pension/business account, 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. Customer must likewise have never received remuneration for any of these accounts and none of the holders may be or may have been holders of a salary, pension, business, non-salary or BK salary account at Bankinter in the 12 months before opening the account. To arrange a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at Bankinter during the 12 months prior to the time of opening the account and they must not have received any remuneration or return on any such account in the past. A customer may only hold one interest-bearing account and a maximum of two interest-bearing 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 account, you must maintain your declared level of income and pay at least three (3) 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 Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website bankinter.com and on the website of the Spanish National Securities Market Commission (www.cnmv.es).

  The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.

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  ³ Broker account: 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 30/06/2022, exclusively for customers that open a securities account and who have never previously held a securities account at Bankinter.
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  ⁴ Transfer of Pension Plans: Offer valid from 01/10/2021 until 31/01/2022. 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 28 February 2022 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 February 2022). If, in addition to the transfer, the customer simultaneously sets up an initial regular monthly contribution into their Pension Plan of €100 or more per month for a minimum of 24 months, and the first contribution is made between 01/10/2021 and 31/01/2022, they will receive an extra bonus of 1.5% of the amount transferred: a bonus of 5% gross for transfers of pension plans where the amount is €60,000 or more, a bonus of 4% gross for transfers of pension plans where the amount is €30,000 or more and less than €60,000, and 3% gross for transfers of pension plans where the amount is less than €30,000 or €1,000 or more. The maximum bonus will be €7,000. The pension plan must remain with Bankinter for at least 7 years (up to 31/01/2029). 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: Popcoin Global Conservador FP, Popcoin Global Moderado FP and Popcoin Global Dinámico FP. If, during the minimum contract period, the customer reduces their existing vested/economic rights on the date of this bonus campaign, whether it is as a result of (fully or partially) transferring the Pension Plan to another bank, transferring the Popcoin pension plans stated above or redeeming your vested/economic rights, they will have to return the total gross amount of the bonus received.
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  ⁵ Voluntary Pension Scheme (EPSV) Transfer: Offer valid from 01/10/2021 to 31/01/2022. The bonus is 3.5% gross (0.69% APR calculated over 5 years) for Pension 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 pension 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 28 February 2022 (except for any transfers which, due to administrative delays at the issuing banks, reach Bankinter after 20 February 2022). If, in addition to the transfer, the customer registers for the first time a periodic monthly contribution to their Bankinter EPSV Individual Retirement Plan, for an amount equal to or greater than €100 per month for at least 24 months, the first contribution being effective during the months of the campaign itself and maintained for 7 years, they will be rewarded with an extra 1.5% on the transferred amount: 5% gross (0.98% APR calculated over 5 years) for transfers of Pension Plans equal to or greater to €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 pension plan transfers for an amount less than €30,000 and equal to or greater than €1,000. The period for staying in the Bankinter EPSV Individual Retirement Plan is 7 years (until 31/01/2029). Maximum bonus amount will be €7,000 gross.