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Español Non-resident foreigners
It doesn't matter where you're from but where you are.
So we want everything to be simple for you when you are in Spain, with no hassles, taking care of your daily needs and with the solvency necessary to make sure that, whatever your needs, you feel that you are in good hands.
- A bank that speaks clearly and does so in your language.
- A bank with full remote banking that can remain close at hand when you are not in Spain.
- A bank with solutions for your everyday transactions, but also for your savings.
How can we help you buy your house in Spain?
Do you want to have your own home in Spain? Are you feeling a little lost? At Bankinter, we know that a will is sometimes not enough and you need support, both financially and personally. That's why we not only offer you mortgages to help you acquire your own home, our specialists also provide advice to make what might seem difficult to you right now easy.
- You have access to a choice of a fixed-rate or a variable-rate mortgage.
- With terms and conditions adapted to your particular situation: you spend time in Spain but you are not a resident.
- Accompanying you at each and every step, from beginning to end, from the moment you apply for your mortgage until you sign your purchase agreement.
FIXED-RATE MORTGAGE1
If you prefer to always pay the same amount, month by month.
- The same interest rate and instalment for the entire term of the mortgage.
- From 5 to 25 years.
- Up to 60% of the value2 for 2nd homes.
VARIABLE-RATE MORTGAGE
If you want it to adapt to the market situation.
- A Euribor-indexed variable interest rate, to which we add a fixed spread.
- Maximum term 25 years.
- Up to 60% of the value2 for 2nd homes.
Mortgage guide for non-residents
How to buy a house in Spain. All of your questions are answered in this guide: steps, documents, taxes, tax rebates, etc.
Download guide
Talk to us and we'll do the numbers for you.
Ask us for a personalised offer – with no strings attached, of course.
Euros, pounds, dollars, crowns, pesos... You choose, you decide.
Current account in euros
As personal as an account designed especially for you. With everything you need.
- Complete and instant access to funds.
- Debit card.
- Direct debits for bills.
- Make deposits, transfers and transactions involving other accounts.
Only for the account
When you open an account in a currency other than the euro, please take into account the exchange-rate risk associated with the currency.
FOREIGN CURRENCY ACCOUNT
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 access your money whenever you like.
- No conditions or requirement to maintain a minimum balance.
- You can choose the currency for your payments and collections.
Remember, non-euro accounts are subject to exchange rate fluctuations.
Throughout the year or only seasonally, protect your home in Spain.
Home insurance3
- Your home will have all the traditional cover: against theft, fire, etc.
- And you can also take out special additional cover: legal advice hotline, claims for third-party damage or injury, 24/7 home help, online IT assistance, etc.
Do you need more insurance?
Our team of insurance specialists will know how to help you.
Three compelling reasons to invest in funds through Bankinter.
Our credentials
We are Spain's most solid bank and the third in Europe according to stress tests by the European Banking Authority in 2021.Our catalogue of funds4
You have more than 4,800 own funds and funds belonging to other national and international asset management companies available to you for accessing international markets with a wide variety of currencies.Your profile
Because whatever your expectations of profit and the risk you want to take, we have a fund for you.Remember: investing in investment and pension funds may lead to a loss of investment capital.
PROFILED FUNDS
Five profiles, five ways to invest.
Our profiled funds are classified according to different investor profiles. In other words, according to different levels of expectation of profits and risk tolerance. Why? So investing in funds is as easy as asking yourself what you are like as an investor.
- A constant analysis of the markets allows us to define and update five different profiles: defensive, conservative, moderate, dynamic and aggressive.
- You can invest in assets and funds belonging to both Spanish and international asset management companies.
Would you like to see our full range of funds?
There are more than 4,800, but don't worry, our search engine will help you find yours.
Wherever you are, we will be close.
When you are in Spain and when you are in your primary country of residence, you can count on us.
24 hours, 7 days a week.
Through our website and app, you can run checks and transactions regardless of the day or time. Always open, always at your disposal.With someone who listens to you.
Because there are times when we need an expert voice, our Telephone Banking is also operational when you call from abroad. To help you, to advise you, for whatever you need.Informing you instantly of the status of your transactions.
An alert service that sends SMS or email notifications to keep you informed about any transactions you ask us to: lodgements, payments, card transactions, balance, etc.Useful information
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Show/Hide legal text1 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 (€).
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Show/Hide legal text2 Using the lesser of the two values of either the purchase price and the appraisal value. Check the terms and conditions for your country of residence.
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Show/Hide legal text3 Comprehensive home insurance offered by Liberty Seguros, Compañía de Seguros and Reaseguros, S.A., and rent protection insurance offered by Mapre España Compañía de Seguros y Reaseguros, S.A., both sold through Bankinter, S.A. 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, taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions listedhere.
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Show/Hide legal text4 Investment funds: The key investor information document, prospectus and all other legal documents related to Bankinter's collective investment institutions are available in Spanish at any of our branches, on the Bankinter website (www.bankinter.com) and on the website of the Spanish National Securities Market Commission (CNMV).