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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 accounts2, irrespective of whether you have a salary.
Our accounts
- Because we think about everyone, those who have a salary, those who don't, pensioners and,
of course, the self-employed.
- Plus, you can have two additional accounts for free, for whatever and whoever you want.
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.
- Plus, you can have two additional accounts for free, for whatever and whoever you want. whoever you want. 0 % APR
- And without any fees for any accounts.

Paga Cómodo3
so you can stop trying to make your money stretch further until you can pay your outgoings comfortably.
Paga Cómodo3
- Make your first Paga Cómodo before 31.07.22 for free.4 Yes, that's right, at 0% APR.5
- Choose between 3 and 36 instalments to pay for any expense over €90 that comes out of your account.
- It could be a transfer, payment for fuel, bills, tax...
- 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. You select the expense from your
account and that's it.
- Make your first Paga Cómodo before 31.07.22 for free.4 Yes, that's right, at 0% APR.5
- Choose between 3 and 36 instalments to pay for any expense over €90 that comes out of your account.
- It could be a transfer, payment for fuel, bills, tax...
- 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. You select the expense from your account and that's it.

Young people's mortgage
Someone giving you a helping hand for once. If you are under 36 years old, this is the mortgage for you.
Young people's mortgage
- Do you still have a lot left to save? Now you can count on up to 90%6 financing for your first home.
- Would you prefer to make smaller repayments? Then choose our 40-year mortgage.7
- What is the interest rate? Whatever you prefer: fixed-rate, variable-rate or mixed.
- Do you still have a lot left to save? Now you can count on up to 90%6 financing for your first home.
- Would you prefer to make smaller repayments? Then choose our 40-year mortgage.7
- What is the interest rate? Whatever you prefer: fixed-rate, variable-rate or mixed.

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
investment.8
- Do you need more encouragement? Do it before the end of the year and you can join our
promotion9.
- 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 investment.8
- Do you need more encouragement? Do it before the end of the year and you can join our promotion9.

Efficient home mortgage
To reward your good decisions.
Efficient home mortgage
- A mortgage without an arrangement fee9.
- If you have chosen to buy, build or renovate an energy-efficient home, we won't charge you an arrangement fee. For thinking about yourself, for thinking about everyone.
- A mortgage without an arrangement fee9.
- If you have chosen to buy, build or renovate an energy-efficient home, we won't charge you an arrangement fee. For thinking about yourself, for thinking about everyone.

Capital Advisor
So you can invest like a professional, 100% online and from only €10,000
Capital Advisor
- Capital Advisor is the first 100% online investment advisor in Spain.
- You'll be able to create, customise, manage and adapt your portfolio with the tools, proposals and periodic recommendations of our analysis experts, always based on your investment goals.
- Everything under your control, because we'll accompany you but the decisions – the last word – will be yours.
- Capital Advisor is the first 100% online investment advisor in Spain.
- You'll be able to create, customise, manage and adapt your portfolio with the tools, proposals and periodic recommendations of our analysis experts, always based on your investment goals.
- Everything under your control, because we'll accompany you but the decisions – the last word – will be yours.
We cannot prevent your money from taking a hit, but we can help.

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 202111.
- 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 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 supplement 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
Important information
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Show/Hide legal text1 5% interest-bearing accounts: Offer valid until 31.12.2022 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 before 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 bonus current accounts. For these purposes, a bonus current account is a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fees and no account maintenance fees.
Maximum interest-bearing balance of €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 (3) 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, activation of the linked credit card is not required. 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/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 31/12/2022 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.
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 text3 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 text4 Promotion valid for the first Pago Cómodo made before 31.07.2022. Minimum amount: €90 Minimum instalment €30. Repayment term between 4 and 37 months, including a full month grace period.. You can split the payment all your current account transactions of the past three months, except for your credit card bill if it's the deferred payment type (“revolving”), the credit card bill if it's in month-end payment and you have contracted a Compra Smart, bills from other finance companies (except El Corte Inglés) and instalments for Bankinter mortgages and loans. Service subject to approval if your financial situation has changed on the day you apply for it.
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Show/Hide legal text5 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 text6 Using the purchase price or appraisal value of the primary residence, whichever is lower, as the benchmark.
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Show/Hide legal text7 As long as none of the holders is over 75 years old when the loan matures.
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Show/Hide legal text8 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 depositary of the pension funds 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 (PIAS) offered by Bankinter Seguros de Vida, S.A. de Seguros 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 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, belonging to 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, 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; tax and tax litigation. private insurance, pension plans and funds, taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions listedhere. Individual systematic savings plans (PIAS) are high-risk financial products that can generate losses as well as profits. The key investor information document is available on our website www.bankinter.com.
Shares: You can check the risk indicators and details about shares at https://www.bankinter.com/broker