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DeutschProducts for non-Residents
Bankinter makes things easy wherever you are.
We offer a personalised service with products to meet all your non-resident needs and help you keep your finances in order. Because it doesn't matter where you're from but where you are.
Useful products for non-residents
As personal as your dream home
Choose one of two options to get the best deal for you.
Variable-Rate Mortgage
The mortgage that tracks changes in the Euribor
- A Euribor-indexed variable interest rate, with a fixed spread.
- Maximum term 25 years.
- Up to 60% of the value1 for second homes
Fixed-Rate Mortgage1
If you always want to pay the same amount
- From 5 years to 25 years
- No assessment fees or early termination fee for partial or full early repayment of the capital.
- Up to 60% of the value for 2nd homes
Important information
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Desplegar/Plegar texto legal1 The fixed-rate mortgage is only available to borrowers whose income or assets for the repayment of the loan are in euros (€), or who reside in a country of the European Union whose national currency is the euro (€).
CURRENT ACCOUNT IN EUROS
As personal as an account designed especially for you. With everything you need.
- Instant access to all your funds
- Debit card
- Direct debits to pay bills
- Make deposits, order transfers and move funds from other accounts
FOREIGN CURRENCY ACCOUNT1
For when you pay charges or make payments in non-euro currencies.
- No foreign exchange fees for sending or receiving money in the same currency
- You can withdraw your money whenever you like
- No conditions or requirement to maintain a minimum balance
- You can choose the currency in which you would like to make payments and collections
Remember, non-euro accounts are subject to exchange rate fluctuations.
With our Account Top-Up Service2 you can transfer euros through your local credit or debit card quickly, easily and cheaply.
Try it now.Información de interés
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Desplegar/Plegar texto legal1 Foreign currency current account: Annual nominal interest rate of 0% with an account maintenance fee of €45.00/year (€22.50/half-year), which will lead to variations in the AER as a result of variations in the average balance of the account. Here are two typical: NIR 0%, AER -0.90% calculated for a hypothetical daily balance of €5,000 maintained for one year, with no interest payment and with a maintenance fee for the above amount. NIR 0%, AER -1.50% calculated for a hypothetical daily balance of €3,000 maintained for one year, with no interest payment and with a maintenance fee for the above amount. Always bear in mind the foreign exchange rate risk when you open a non-euro account.
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Desplegar/Plegar texto legal2 You can use Account Top-Up to transfer funds to your account in the following currencies: GBP, DDK, NOK, CHF and SEK.
As personal as the policy that will give you the peace of mind you're looking for.
No worries, no hidden surprises. And if you have life insurance in another country or with another provider, top it up with our life and/or accident policies.
Home insurance
Protect your home all year round or for just part of it. Enjoy standard cover for fire, water damage and theft. Plus these extras
- Claim for third-party damages.
- Over-the-phone legal advice.
- Online IT assistance.
- 24/7 home assistance.
If you need another type of insurance, enquire at a Bankinter branch.
Important information
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Desplegar/Plegar texto legalBankinter, S.A., as a bancassurance operator with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of tax identification number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid www.dgsfp.mineco.es), under code OV-0028, has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A., Bankinter Seguros Generales y Reaseguros, S.A., Línea Directa Aseguradora, Plus UltraSeguros Generales y Vida, S.A., Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Familiar Compañía de Seguros y Reaseguros, S.A., Mapfre Empresas, Compañía de Seguros y Reaseguros, S.A, Mapfre Global Risk, Cia Internacional de Seguros y Reaseguros, Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Hannover International España, S.A. de Seguros y Reaseguros, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, FinancialAssurance Company Limited Spain, SOS Seguros y Reaseguros, S.A., ACE European Group, S.A., Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas S.A de Seguros y Cigna Life Insurance Company of Europe, S.A., Metlife Europe Limited Sucursal en España and DAS (Defensa del automovilista y de siniestros internacional, S.A. de seguros).
All savers want to get the most out of their money while controlling the risk of their investment.
That's why investment funds were invented.
If you don't have time to analyse our funds and find the best one for your investor profile, Bankinter Gestión de Activos offers a range of risk-profiled funds to help you find the investment format you're looking for in a single product.
What is a risk-profiled fund?
These are investment funds with different profiles depending on the risk you are willing to assume. Risk-profiled funds offer an easy way of investing in assets as well as national and international managed funds.
By constantly analysing the economic environment, we are able to create five risk profiles according to the different levels of exposure on the variable risk market (from 10% to 100%).
Furthermore, at Bankinter, we provide our customers with an open-architecture system giving you access to over 3,000 of our own investment funds as well as third party funds, both domestically and abroad. Since we do not promote any fund(s) in particular, you.
Access all the fund investment options that we offer you.
Important Information
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Investment funds are products that may lead to a loss of capital.
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The prospectus and key investor information document are available at all Bankinter branches, on our website bankinter.com and at the CNMV.