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Español Foreign residents
Hello! Hello!
Whatever language you speak, we will understand each other. Because, in addition to communicating in your language, we will give a clear answer to all your financial needs, guiding you and helping you in everyday and more complex matters.
- With our interest-bearing accounts, which will give you more for your money.
- With our mortgages, because, whatever you are like, you will find the one that suits you.
- With investment solutions that are adjusted to your saving capacity and your profile.
- With everything you expect from a bank, but a bank that is by your side, that understands you.
2 additional accounts for anything you need and with whoever you want.
To invest, save, share, pay bills... to organise your finances however you want. You can open these two accounts with whoever you want: just for you, with your partner, with your children, with your grandchildren or with anyone you can think of.
Payroll account
More for your salary.
- Up to 5% AER.1
- No fees
- Debit card or credit card with no issuance or maintenance fee.2
- Free online transfers domestically and within the EU.
Non-Salary Account
If you do not have regular income.
- Up to 5% AER.1
- No commissions.
- With Combo credit card.
- Free online transfers domestically and within the EU.
Business account
If you are self-employed, you can ask too.
- Up to 5% AER.1
- No fees
- Debit card or credit card with no issuance or maintenance fee.2
- Free online transfers domestically and within the EU.
Pension Account
If you are at a time when you can enjoy life more, enjoy your money more too.
- Up to 5% AER.1
- No fees
- Debit card or credit card with no issuance or maintenance fee.2
- Free online transfers domestically and within the EU.
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.
Currency account
Do you receive and make payments in a foreign currency? If so, we have an account for you.
- No exchange fees.
- No strings attached. Available in more than 25 currencies.
Feel at home – in your own home.
Fixed-Rate Mortgage
The same interest rate and instalment for the entire term of the mortgage.
Mixed-rate Mortgage
The interest rate is fixed for the first few years and variable for the remaining years.
Hipoteca Sin Más
A mortgage designed for you to buy your primary residence where the only guarantee is your home.
Youth mortgage
If you are under 36 years old, there is a mortgage designed just for you.
Variable-Rate Mortgage
The traditional mortgage. but with new conditions.
Request a personalised offer for your mortgage:
1 minute, 0 commitment.
BEST DECISIONS FOR YOUR MORTGAGE
Everything you need to know before, during and after buying your home.
Find out more about best decisions for your mortgageInvestment and savings solutions for accessing international markets in euros and in a wide variety of currencies.
Investment funds4
More than 4,800 funds you can invest in from only €10.
- Funds profiled according to your risk profile.
- Themed funds.
- Sustainable funds.
- Own funds and funds belonging to other national and international asset management companies.
Bankinter Broker
A broker that adapts to your knowledge of the stock market, so that you can invest in it whatever your level.
- More than 30 national and international markets.
- stocks, ETFs, listed products, futures...
- With analysis from our specialists: recommendations, investment strategies...
Deposits in dollars
A simple product: you just have to choose the amount and the term.
- From $15.000.
- 6-month and 12-month deposits.
Remember: investing in investment funds may lead to a loss of investment capital.
Here and now, think ahead.
Thinking of you, your peace of mind, your future and your loved ones will always be the best investment. At Bankinter, you have a range of insurance options to provide you with the best cover for everything that really matters.
Home insurance5
- 24/7 repairs, 365 days a year.
- Claims for third-party damages.
- Internet legal defence.
Health insurance6
- Healthcare Insurance.
- Reimbursement insurance.
More on your mobile, more comfort, more time for you.
Bankinter app
- To view accounts and carry out transactions.
- Find the nearest ATM with no fees for debit withdrawals.
- To have your bank always close to hand.
Mobile payments
- All your cards together and on your mobile.
- For iOS or Android: Apple Pay, Google Pay or Samsung Pay.
Bizum
- The easiest way to send and request money between individuals – via your mobile and without the need to enter account numbers.
More ATMs so you don't have to pay fees.
You can withdraw money on debit and fee-free at all Bankinter and EURO 6000 network, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet ATMs.
More services with your cards: Smart services
Compra Smart: if you're making a big purchase, do it small.
- Split one or more specific purchases.
- Split purchases from €150.
Smart Cash: automatic liquidity in your account.
- Top up your card credit.
- Swap limits between your different cards.
Change your card limits whenever you like.
- Top up your card credit.
- Swap limits between your different cards.
Bankinter – Spain's most solid bank and the third in Europe according to stress tests by the European Banking Authority in 2021.
Don't keep your doubts to yourself. Ask us.
If anything is not clear to you, please don't just ignore it.
Useful information
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until -. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
The maximum interest-bearing balance is €10,000. 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 of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.
In order 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) bills by direct debit 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, you do not have to activate the linked credit card. 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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Show/Hide legal text2 If you open a Salary/Pension/Business/Non-Salary/Young Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 held for one year). This offer is available until - for both new and existing customers, and is compatible with all of the other benefits for the Accounts.
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Show/Hide legal text3 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).
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Show/Hide legal text4 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 text5 Bankinter, S.A., as the related bancassurance operator, with registered office at Paseo de la Castellana 29, 28046, Madrid, recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of Tax ID 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), http://www.dgsfp.mineco.es with code OV-0028, distributes Individual Health insurance from the company Mapfre España, Compañía de Seguros y Reaseguros, S.A. Bankinter, S.A. 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, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
Useful information
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until -. For new and existing individual customers who live in Spain, who have not held a Salary/Pension/Business/Non-Salary/Youth Salary account at Bankinter in the 12 months before opening this new account and who must have never received remuneration for any of these accounts. For Salary/Pension/Business Accounts, customers must also have at least €800 of the salary/pension/professional income paid into the account per month. To take advantage of this promotion, the customer may not be the holder of more than two of the following accounts: Salary/Youth Salary Account, Pension Account, Business Account and Non-Salary Account.
The maximum interest-bearing balance is €10,000. 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 of €10,000 in a salary account, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €243.62, 2nd six months €243.62, 3rd six months €98.14, 4th six months €98.14.
In order 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) bills by direct debit 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, you do not have to activate the linked credit card. 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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Show/Hide legal text2 If you open a Salary/Pension/Business/Youth Salary account online you can have a credit card or debit card, with no issuance or maintenance fee. This offer is available until - for new customers only and is compatible with all the other benefits linked to the Salary/Pension/Business/Youth Salary accounts.
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Show/Hide legal text3
If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €10,000 maintained for one year). This offer is available until 31/12/2024 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
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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).
-
Show/Hide legal text5 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.
-
Show/Hide legal text6 Bankinter, S.A., as the related bancassurance operator, with registered office at Paseo de la Castellana 29, 28046, Madrid, recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of Tax ID 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), http://www.dgsfp.mineco.es with code OV-0028, distributes Individual Health insurance from the company Mapfre España, Compañía de Seguros y Reaseguros, S.A. Bankinter, S.A. 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, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.