Regular contributions promotion

With the 5%-2% regular investment promotion, Bankinter S.A. rewards funds invested through regular investments/purchases from an eligible account (Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account, Tú y Yo Account, Broker Account or Bankinter current account) in investment funds, pension plans, EPSVs, PIASs and equities marketed through Bankinter S.A.

• To enjoy the 5%-2% regular investment promotion, you must have a Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account, Tú y Yo Account, Broker Account or Bankinter current account and you must not be making or have made any regular investments or purchases from these accounts now or in the last 12 months.
• The promotion is activated when the holder(s) of a Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account, Tú y Yo Account, Broker Account or Bankinter current account requests a regular investment of at least €50 per month in an investment fund, pension plan, EPSV or PIAS, or regular purchases of €250 of equities per month sold by Bankinter S.A., and this investment or purchase is settled from the reference account.
• 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.

How long does the promotion last? Once activated, the 5%-2% regular investment promotion lasts for 24 months.

What does the bonus reward? During these 24 months, Bankinter rewards the net accumulated balance of the regular investments and purchases by the customer since activating the promotion in investment funds, pension plans, EPSVs, PIASs and equities associated with a Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account Tú y Yo Account, Broker Account or Bankinter current account.

How is the net accumulated balance calculated? The net accumulated balance is the sum of the customer's regular investments and purchases in investment funds, pension plans, PIASs, EPSVs and equities, subtracting redemptions from investment funds with regular investments and external transfers of investment funds, pension plans, EPSVs and PIASs, and sales of equities with regular investments/purchases. The calculation does not consider any gains or losses resulting from market movements.

When the requirements are met, the bonus will be:

• Discount: 5% in the first year and 2% in the second year.
• The maximum bonus-bearing balance is €1,000. The bonus will be 0% on the net accumulated balance in excess of this amount.
• Settlement: monthly (last business day of each month).
• What do you have to do to receive the bonus? Every month, the customer must make a minimum regular investment of at least €50 from their Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account Tú y Yo Account, Broker Account or Bankinter current account in an associated investment fund, pension plan, EPSV or PIAS, or buy at least €250 of equities in regular purchases.
• During the 24 months of the 5%-2% regular investment promotion, the customer will receive this bonus in their Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account, Tú y Yo Account, Broker Account or Bankinter current account for the promotion, in each month when they meet the minimum investment requirement. The remuneration will be 0% in months when they don't meet this condition.
• After 24 months, the bonus will be 0%.

Other questions:

• Each monthly settlement will be subject to tax withholdings as capital gains under prevailing tax regulations.
• This promotion can be activated once for a Salary Account, Pension Account, Professional Account, Non-salary Account, Youth Salary Account Tú y Yo Account, Broker Account or Bankinter current account, irrespective of whether it has received any other bonuses.
• The promotion requires a minimum regular investment of €50 (or €250 for equity purchases). Once activated, the customer must invest at least €50 (or €250 for equity purchases) every month to benefit from the promotion.

How the promotion works, example. The following table shows what would happen in six different months depending on the net regular investments in that month and the net accumulated balance. The only change in year 2 (from month 13) is that the bonus is 2%.

This promotion will be available until - or for 15,000 customers.

This promotion cannot be applied together with any other Bankinter, S.A. promotion.

Participating in this promotion means that you accept its terms and conditions.

Investment funds, pension plans, EPSVs (individual retirement plans), PIASs (systematic individual savings plans) and equities.

No. The promotion only covers holders who don't currently have regular investment plans, for each product type, and who have not had such plans in the last 12 months.

Yes. In this case the promotion considers regular investments in investment funds, and also PIASs and equities, if they are made in the 24-month promotion period and meet the other requirements.

The bonus will be paid on the sum of the regular investments in investment funds, pension plans, EPSVs, PIASs and equities, subtracting redemptions from investment funds with regular investments and external transfers of investment funds, pension plans, EPSVs, PIASs and equities with regular investments. The calculation does not consider any gains or losses resulting from market movements.

No. But any months when you don't make regular investments, or when these don't meet the requirements, are not included in the eligible balance.

The bonuses are credited to the account from which you ordered the regular investment and activated the promotion. This must be a Salary Account, Professional Account, Pension Account, Non-salary Account, Youth Salary Account, Tu y Yo Account, Broker Account or Bankinter current account.