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We explain it to you step by step: "play"
It's time to harness the power of your money.
Thinking about everyone

Our accounts
That give you this return, without any fees and with two additional free, whether you have a salary or not.
Our accounts
- Because we think about everyone, those who have a salary, those who don't,
pensioners and,
of course, the self-employed.
- If you open it online, you can choose between a debit or credit card without an issue or maintenance fee.2
- If you want, you can have two additional free accounts, for whatever and
whoever
whoever you want. 0 % APR
- And without any fees for any accounts.
- Because we think about everyone, those who have a salary, those who don't, pensioners and, of course, the self-employed.
- If you open it online, you can choose between a debit or credit card without an issue or maintenance fee.2
- If you want, you can have two additional free accounts, for whatever and whoever whoever you want. 0 % APR
- And without any fees for any accounts.

Free personalised mortgage study service
Because everyone is different and so are our mortgages.
Free personalised mortgage study service
- Because finding a mortgage is easy, but finding “your” mortgage not so much.
- Because we know that what happens with interest rates can create uncertainty.
- Because we understand that it's hard to decide which one to choose: fixed, variable or mixed-rate?
- Because your situation and finances are so personal that only a personalised study will show you which mortgage is the right one for you.
- Because finding a mortgage is easy, but finding “your” mortgage not so much.
- Because we know that what happens with interest rates can create uncertainty.
- Because we understand that it's hard to decide which one to choose: fixed, variable or mixed-rate?
- Because your situation and finances are so personal that only a personalised study will show you which mortgage is the right one for you.

Young people's mortgage
Someone giving you a helping hand for once. If you're under 36, this is the mortgage for you.
Young people's mortgage
- Do you still have a lot left to save? Now you can get up to
90%3 financing for your first home.
- Would you prefer smalle instalments? Then choose up to 40
years to pay your mortgage.4
- What is the interest rate? Whatever you prefer: fixed-rate, variable-rate or
mixed-rate.
- Do you still have a lot left to save? Now you can get up to 90%3 financing for your first home.
- Would you prefer smalle instalments? Then choose up to 40 years to pay your mortgage.4
- What is the interest rate? Whatever you prefer: fixed-rate, variable-rate or mixed-rate.

Efficient home mortgage
To reward your good decisions.
Efficient home mortgage
- A mortgage with no arrangement fee.5
- If you're buying, building or renovating an energy-efficient
home, we won't charge you an arrangement fee. For thinking about yourself, for thinking
about everyone.
Offer valid until the total amount offered (25 million euros) is reached.
- A mortgage with no arrangement fee.5
- If you're buying, building or renovating an energy-efficient home, we won't charge you an arrangement fee. For thinking about yourself, for thinking about everyone.
Offer valid until the total amount offered (25 million euros) is reached.

Paga Cómodo8
So you can stop trying to make your money stretch further and pay your outgoings comfortably.
Paga Cómodo7
- The first one you make for free6 (0% APR7).
- Choose between 3 and 36 instalments to pay for any cost of €90 or more that goes through your
account.
- It could be a transfer, fuel payments, bills or your taxes.
- These could be costs from this month or from the last three months.
- And you can decide yourself, with no need for authorisations or explanations. Just select the cost
from your
account and that's it.
- Valid until 30 June 2023.
- The first one you make for free6 (0% APR7).
- Choose between 3 and 36 instalments to pay for any cost of €90 or more that goes through your account.
- It could be a transfer, fuel payments, bills or your taxes.
- These could be costs from this month or from the last three months.
- And you can decide yourself, with no need for authorisations or explanations. Just select the cost from your account and that's it.
- Valid until 30 June 2023.

Capital Advisor
So you can invest like a professional, 100% online and from only €10,000
Capital Advisor
- Capital Advisor is the first 100% digital investment advisor in
Spain.
- You'll be able to create, customise, manage and adapt your investment fund
portfolio with the tools, based on proposals and periodic recommendations
from our expert analysts, always based on your investment
objectives.
- Everything under your control, because we'll accompany you but the decisions,
the last word, will be yours.
- Investment funds are high-risk products and you may lose the
capital invested.
- Capital Advisor is the first 100% digital investment advisor in Spain.
- You'll be able to create, customise, manage and adapt your investment fund portfolio with the tools, based on proposals and periodic recommendations from our expert analysts, always based on your investment objectives.
- Everything under your control, because we'll accompany you but the decisions, the last word, will be yours.
- Investment funds are high-risk products and you may lose the capital invested.

Regular investing
So you keep investing regularly, investing what you can, when you can.
Regular investing
- Because consistency is more important than
quantity.
- To make it effortless, you can set up automated contributions from
20€.
- You decide the amount that works for you, with no pressure. If you can't make
a contribution one month,
it doesn't matter.
- You can start making your regular contributions with any of our investment products.9
- Do you need more encouragement? Do it before the end of the year and benefit from our promotion.10
- Because consistency is more important than quantity.
- To make it effortless, you can set up automated contributions from 20€.
- You decide the amount that works for you, with no pressure. If you can't make a contribution one month, it doesn't matter.
- You can start making your regular contributions with any of our investment products.9
- Do you need more encouragement? Do it before the end of the year and benefit from our promotion.10
We can't prevent your money from feeling mistreated, but we can treat you better.

Come to Bankinter, it's very, very simple.
Bank switching service.
- Transfer your accounts, direct debits, funds, pension plans, etc., with just a few “clicks”.
- You also have access to your positions with other banks from our website: an overall picture to help you manage your finances.

And so you should.
According to the well-known report by the consulting firm Álvarez & Marsal:
- Bankinter came first in the ranking for sustainability and banking performance in 2021.11
- Bankinter heads the ranking of the performance of leading Spanish banks in growth, liquidity, efficiency, risk and solvency for 2021 .
Thinking about companies
If your company has been affected by the conflict in Ukraine and you don't want to halt your activity.
We make it easier for you to benefit from the ICO Ukraine credit facility.
We help you get the financing guaranteed by the new ICO facility for companies affected by the economic consequences of the war in Ukraine.
- We arrange the ICO guarantee.
- We grant you the financing you need to ensure you have the liquidity to pursue your business.

If your company wants to opt for European Funds, but does not know where to start, we do.

We will support and advise you throughout the process.
We will do so hand in hand with FI Group, the leading consulting firm in European fund management with more than 20 years of experience.
- Feasibility analysis, preparation of the project, processing and justification of the aid.
- And all in the fairest possible way, as we only charge you our administration costs if you are successful.

And we will top up the grant with the finance you need at each stage.
Specific finance solutions: Next Generation Bankinter.
- Guarantees to make preparing your grant application easy.
- Advances of up to 100% of the grant awarded.
- Personal loans if the grant awarded does not cover the full cost of your project.
Do the maths again and count on us. Come to Bankinter
Useful information
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Show/Hide legal text1 Offer valid until 30/06/2023 for new and existing individual customers resident in Spain. Customers who wish to open a Salary/Pension/Business Account must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month, and these payments must not be currently paid into any other Bankinter account. Moreover, none of the account holders may have held a Salary/Pension/Business/Non-Salary/Youth Salary Account at any time during the 12 months prior to opening this account and they must not have received any remuneration or return on any such account in the past. To open a Non-Salary account, none of the account holders may have held a Non-Salary/Salary/Pension/Business/Youth Salary account at any time in the 12 months prior to opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two discount-bearing current accounts. For these purposes, a bonus current account means a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fee and with no account maintenance fees. The maximum interest bearing balance is €5,000. 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 in the Salary Account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07. 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 direct debits out of the account 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.
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 €5,000 maintained for one year). This offer is available until 30/06/2023 for new and existing customers, and is compatible with all the other benefits derived from the Salary/Pension/Business/Non-Salary/Youth Salary Accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer.SEE SURVEY DETAILS
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Show/Hide legal text2 If you open a Salary/Pension/Business/Youth Salary account online you can choose between a credit card or debit card, with no issue or maintenance fee. This offer is available until 30/06/2023 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 Using the purchase price or appraisal value of the primary residence, whichever is lower, as the benchmark.
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Show/Hide legal text4 As long as none of the holders is over 75 years old when the loan matures.
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Show/Hide legal text5 Efficient Home Fixed-Rate Mortgage: Below is an example of the APR calculated for a mortgage offered by Bankinter, S.A. based on the following characteristics:
Mortgage amount: €150,000. Term of loan: 20 years (240 monthly repayments). APR: 4.01%. Monthly instalments over 20 years: €862,25, and a final instalment of €862,72. Arrangement fee: 0,00€. Total interest: 56.940,47€. Interest rate: 3.40%. (240 months). Monthly repayments. Total repayment amount €216.604,63. Total cost: €66.604,63.
This APR has been calculated on the following basis:
- Arrangement of life insurance for an amount of €150,000.00 for 20 years for a 30-year-old person. Annual premium of €164.29. Renewal annual insurance.
- Arrangement of home insurance for €100,000 for the structure and €30,000.00 for the content, with an estimated annual premium of €306.44. Renewal annual insurance.
-Appraisal costs: €249.56.
The interest rate is subject to the condition that the following products be arranged with Bankinter:
- Salary Account, Business Account or Non-Salary Account (discount of 0.30 percentage points).
- Life insurance covering the full mortgage amount, taken out with Bankinter Seguros de Vida S.A. de Seguros y Reaseguros (discount of 0.60 percentage points).
- Comprehensive Home Insurance with minimum home content coverage of €30,000.00 and structure coverage equivalent to the appraisal value of the property for insurance purposes, to be arranged with Liberty Seguros, S.A and brokered by Bankinter, S.A., Operador de Banca-Seguro (discount of 0.30 percentage points).
- A pension plan/EPSV Have a pension plan/EPSV in place with Bankinter Seguros de Vida, belonging to Bankinter, S.A. Group, for the entire mortgage term and make a minimum annual contribution to it of €600.00 (discount of 0.10 percentage points).
Compliance with discounts will be reviewed annually.
These products are optional for the customer, but if they are not arranged the above rate (3.40%) will be increased by 1.30% corresponding to the sum of each of the products not arranged. Accordingly, if none of the conditions are met the fixed rate will be 4.70% (APR 5.06%). Monthly instalments over 20 years: €965,24 and a final instalment of €966,80. Total interest: €81.659,16. Total amount repayable: €236.167,92. Total cost: €86.167,92. This APR has been calculated on the basis of arranging with Bankinter, or a different provider, the legally required home insurance policy for €100,000.00, with an estimated annual premium of €167.96, in addition to an annual maintenance fee of €45.00 for the current account required for payment of the instalments, an arrangement fee of €0.00 and appraisal costs of €249.56.
The monthly payments (French repayment system) are the result of raising the coefficient (1 + interest) to the power of the number of outstanding instalments in the transaction multiplied by the interest, divided by (1 + interest) raised to the power of the outstanding payments in the transaction, minus 1, all multiplied by the capital pending repayment ('interest' is understood to be the offered NIR divided by 12). The resulting instalment includes the amount corresponding to the interest (the result of dividing the interest rate by 12, multiplied by the outstanding principal) and the amount repayable (the result of subtracting the interest from the instalment).
The APRs have been calculated on the following basis:
1. The APRs have been calculated based on the credit facility remaining in place for the agreed term, and the borrower and the lender fulfilling their obligations under the terms and conditions of the mortgage agreement.
2. For mortgage agreements with clauses that allow for adjustments to the debit rate and, where applicable, to the costs included in the APRs that are not quantifiable when the calculation is made, the APRs will be calculated on the assumption that the debit rate and other costs will remain unchanged with regard to the level set at the time the agreement was signed.
3. These APRs may vary depending on the transaction amount and term. These APRs have been calculated on the assumption that there will be no partial or total cancellation of the mortgage. They do not include the costs which the customer/borrower would have to pay for the breach of any of the obligations in the agreement.
The mortgage is provided subject to the application being approved by Bankinter, S.A. This mortgage offer is subject to the condition that the borrowers have a total income of over €2,500 a month.
If the customer does not fulfil their obligations to the Bank, in addition to the possibility of them losing the property, their liability and that of any other parties involved in the transaction will extend to all of their present and future assets.
Offer valid until 15/04/2023 or until the amount offered (25 million euros) has been reached.
The loan amount may not exceed 80.00% of the lower of these two values: the property purchase value or appraisal value. In the case of second homes, the maximum amount is 60.00%. The maximum mortgage term is 20 years, provided that none of the holders is over 75 years old at the end of the term.
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Show/Hide legal text6
Promotion valid for the first Paga Cómodo made before 30/06/2023. Minimum amount: €90 Minimum instalment €30. Repayment term of 4 to 37 months, including a total grace period of one month. All current account transactions carried out in the last three months can be split, except for credit card bills with the deferred payment method ('revolving'), bills from other finance companies (except El Corte Inglés and AMEX), and Bankinter mortgage and loan instalments. Service subject to approval if your financial situation has changed on the day you apply for it.
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Show/Hide legal text7 Example for a Paga Cómodo payment of €1,500, made on the 1st of the month, with a repayment period of 37 months, 0% NIR and 0% APR, first instalment of €0 plus 35 instalments of €41.66 and a final instalment of €41.90. Total repayment amount €1,500. Interest: 0€. Total cost: 0€. French repayment system.
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Show/Hide legal text8 Financing offered by Bankinter Consumer Finance EFC, S.A., registered with Banco de España under no. 8832, registered office at Avda. de Bruselas 12, 28108 Alcobendas (Madrid), entered in the Madrid Companies Register, Volume 22,729, Folio 181, Sheet No. M-259543, Tax ID Number A82650672.
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Show/Hide legal text9 Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website www.bankinter.com and at the CNMV.
Pension plans: The plan promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund depositary is Bankinter, S.A. The prospectus and key information document are available at all Bankinter branches and on our website www.bankinter.com.
You can check the risk indicators and liquidity alerts for pension plans at https://www.bankinter.com/banca/ahorro-inversion/jubilacion.
PIAS: Systematic Individual Savings Plan of Bankinter Seguros de Vida S.A. de Seguros y Reaseguros marketed and sold by Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29, 28046 Madrid, entered in the Madrid Companies Register at volume 1857, sheet 220, page 9643, with Tax ID Number A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds, attached to the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid) http://www.dgsfp.mineco.es, under code OV-0028. The bancassurance operator has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures incorporating into Spanish law several directives of the European Union concerning public procurement in certain sectors; private insurance, pension plans and funds, taxation and tax litigation. This is a high-risk financial product and its value may rise or fall. The bancassurance operator has entered into insurance agency agreements with the institutions listedhere. The key investor information document is available at https://www.bankinter.com/banca/ahorro-inversion/inversion/plan-de-ahorro.
Shares: You can check the risk indicators and details about shares at https://www.bankinter.com/broker
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Show/Hide legal text10 5% - 2% regular contributions promotion: To qualify for the promotion you must hold a Salary, Pension, Business, Non-Salary, Youth Salary Account, Tú y Yo, Broker or Current account with Bankinter and make a regular contribution from that account of at least €50 per month to an investment fund, pension plan, EPSV or individual systematic savings plan (PIAS), or alternatively allocate €250 per month to the purchase of shares. 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. If you fail to make any of these regular minimum contributions you will not receive the bonus. First year: 5%. Second year: 2%. Monthly settlement on the total accumulated net balance: sum of regular contributions made to investment funds, pension plans, EPSVs, PIAS and shares, minus redemptions from investment funds with declared regular contributions and external transfers of investment funds, pension plans, EPSVs, PIAS and shares with declared regular contributions. The maximum bonus-bearing balance is €1,000. The following is an example for a regular monthly contribution of €100 to an investment fund over the course of 24 months. Total first year bonus: €31.26 gross. Total second year bonus: €20.04 gross.
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Show/Hide legal text11 According to the “Pulse of Spanish Banking” report by the consulting firm Álvarez&Marsal. Read the article