MANAGE OR REJECT COOKIES.
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.
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.
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.
Three compelling reasons to invest in funds through Bankinter.
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.
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.
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.
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.
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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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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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Comprehensive home insurance by Línea Directa Aseguradora S.A. de Seguros y Reaseguros, 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 listed here.
The fund management company is Bankinter Gestión de Activos, S.A., S.G.I.I.C., with registered office at Marqués de Riscal número 11 bis and registered with the CNMV under number 55. The depository is Bankinter, S.A., with registered office at Paseo de la castellana número 29 and registered with the CNMV under number 27. The value of investment funds can fall as well as rise, and you may get back less than you invest.
Information about the use of personal data
1. Who is the data controller?
The data controller is Bankinter, S.A. (hereafter to be referred to as '“Bankinter”') with CIF A28157360 registered office at Paseo de la Castellana, 29. (28046 Madrid).
2. Why do we process your data?
We will process the data you provide to obtain information about this request and, if applicable, finalise the purchase of the product in question.
3. What are the legal grounds for processing your data?
The legal grounds for fulfilling the purpose set out in the above section is the processing of the request for information. Accordingly, if you refuse to supply the personal data requested, or if you supply inaccurate or incomplete data, we may not be able to provide you with the service. You are responsible for ensuring the truthfulness of the data provided, and for notifying Bankinter if there is any change to your data.
4. Who will receive your data?
We will only disclose your data to third parties if legally obliged to do so.
5. How long will we keep your data?
Unless you have stated otherwise, we will keep your data for a period of six months. As soon as they are no longer necessary for the purposes described above, the data will be blocked for the period for which they may be required for carrying out, or defending, administrative or legal actions, and they may only be unblocked and processed again for this purpose. Once this period has elapsed, the data will be cancelled definitively.
6. What are your rights in relation to the processing of your data?
You may exercise your rights of access, rectification, erasure, objection, restriction of processing and data portability in the circumstances and under the scope established by the applicable legislation currently in force. To exercise your rights, please contact us by writing to the following address: Bankinter, S.A. Operations - Data Protection, Calle Pico San Pedro 1, Tres Cantos, 28760 Madrid, enclosing a copy of your national ID or any other identifying document. Please note that you also have the right to lodge a claim with the Spanish Data Protection Agency.
7. Where can you obtain additional information about the processing of your data?
You can get further information about how Bankinter processes your data at this