Notices and charges

Prevailing legislation

The transactions carried out by this Bank are subject to the following provisions on transparency and customer protection:

• Rule 8 of Banco de España Circular 8/1990, of 7 September (Official State Gazette of 20 September 1990), for the sole purpose of calculating the weighted average interest rates on transactions with the resident private sector in Spain denominated in euros.
• Royal Decree 2606/1996, of 20 December, on the deposit guarantee funds of banks (Official State Gazette of 21 December 1996).
• Legislative Royal Decree 1/2007, of 16 November, approving the amended text of the General Consumer and User Protection Act and other complementary laws (Official State Gazette of 30 November 2007).
• Law 2/2009, of 31 March, regulating the arrangement of consumer loans and mortgages and brokerage services for the arrangement of consumer loan or credit agreements (Official State Gazette of 1 April 2009).
• Order EHA/1665/2010, of 11 June, implementing articles 71 and 76 of Royal Decree 217/2008, of 15 February, on the legal framework for investment services companies and other entities that provide investment services, in relation to prices and standard agreements (Official State Gazette of 23 June 2010).
• CNMV Circular 7/2011, of 12 December (Official State Gazette of 24 December 2011).
• Law 16/2011, of 24 June, on consumer credit agreements (Official State Gazette of 25 June 2011).
• Order EHA/2899/2011, of 28 October, on transparency and the protection of customers of banking services (Official State Gazette of 29 October 2011).
• Royal Decree-Law 6/2012, of 9 March, on urgent measures for the protection of mortgage holders struggling with payments (Official State Gazette of 10 March 2012).
• Banco de España Circular 5/2012, of 27 June, to banks and payment service providers, on the transparency of banking services and liability in the granting of loans (Official State Gazette of 6 July 2012).
• Order ECC/2316/2015 of 4 November, relating to information obligations and the classification of financial products (Official State Gazette of 5 November 2015).
• Law 3/2016 of 9 June, on the protection of the rights of consumers and users in the arrangement of loans and mortgages (Official Gazette of the Autonomous Community of Andalusia of 16 June 2016).
• Royal Decree Law 19/2017, of 24 November, on basic payment accounts, the transfer of payment accounts and the comparability of fees (Official State Gazette of 25 November 2017).
• Delegated Regulation (EU) 2018/32 of the Commission of 28 September 2017, complementing Directive 2014/92/EU of the European Parliament.
• Delegated Regulation (EU) 2018/33 of the Commission of 28 September 2017, complementing Directive 2014/92/EU of the European Parliament.
• Delegated Regulation (EU) 2018/34 of the Commission of 28 September 2017, complementing Directive 2014/92/EU of the European Parliament.
• Royal Decree Law 19/2018, of 23 November, on payment services (Official State Gazette of 24 November 2018).
• Order ECE 228/2019, of 28 February 28, on basic payment accounts, procedure for the transfer of payment accounts and requirements for comparison websites (Official State Gazette of 5 March 2019).
• Law 5/2019 of 15 March, regulating real estate credit agreements (Official State Gazette of 16 March 2019).
• Royal Decree 164/2019, of 22 March, establishing a free regime of basic payment accounts for the benefit of people in vulnerable situations or at risk of financial exclusion (Official State Gazette of 3 April 2019).
• Banco de España Circular 2/2019, of 29 March, on requirements for Information documents and statements and comparison websites for payment accounts, and amending Banco de España Circular 5/2012, of 27 June, (Official State Gazette of 4 April 2019).
• Royal Decree 309/2019, of April 26, partially implementing Law 5/2019 (Official State Gazette of 29 April 2019).
• Order ECE 482/2019, of 26 April, amending Order EHA 1718/2010 and Order 2899/2011 (Official State Gazette of 29 April 2019).
• Royal Decree-Law 8/2020, of 17 March, on extraordinary urgent measures to address the economic and social impact of Covid-19 (Official State Gazette of 18 March 2020). Arts. 7 to 16 ter and Second Temporary Provision.
• Royal Decree-Law 11/2020, of 31 March, adopting supplementary urgent social and economic measures to address Covid-19 (Official State Gazette of 1 April 2020). Arts. 16 to 19 and 21 to 27.
• Royal Decree-Law 15/2020, of 21 April, adopting urgent measures to support the economy and employment (Official State Gazette of 22 April 2020). 15th Additional Provision
• Royal Decree-Law 19/2020, of 26 May, adopting supplementary measures in the agricultural, scientific, economic, employment and social security and tax areas to alleviate the effects of Covid-19 (Official State Gazette of 27 May 2020 ). Arts. 6 to 8 and First Temporary Provision
• Banco de España Circular 4/2020, of 26 June, on advertising banking products and services (Official State Gazette of 15 July 2020).
• Order ETD/699/2020, of 24 July, regulating revolving credit and amending Order ECO/697/2004, of 11 March, on the Risk Information Centre; Order EHA/1718/2010, of 11 June, on regulating and controlling the advertising of banking services and products; and Order EHA/2899/2011, of 28 October, on transparency and the protection of customers who use banking services (Official State Gazette of 27 June 2020).
• Circular 2/2020, of 28 October, of the Spanish National Securities Market Commission, on advertising investment products and services (Official State Gazette of 13 November 2020).
• Regulation (EU) 2021/1230 of the European Parliament and of the Council of 14 July 2021 on cross-border payments within the Union (codified version).
• Regulation (EU) 2024/886 of the European Parliament and of the Council of 13 March 2024 amending Regulations (EU) 260/2012 and (EU) 2021/1230 and Directives 98/26/EC and (EU) 2015/2366 on instant transfers in euros.

Information for our customers

The following information will be available to the public at all times at all of our branches and on our website and will be sent to any customers who request it:

• Interest rates and fees applicable to tacit overdrafts in current accounts and tacit overdrawing on credit accounts.
• Quarterly information on the fees and interest rates usually applied to general banking services provided to customers.
• Exchange rates and minimum purchase and maximum sales amounts, applied when the amount does not exceed €3,000, for the following:
  • Currency exchange: buying and selling currencies against the euro, through over-the-counter transactions or foreign currency transfer orders.
  • Exchange of cash: purchase and sale of foreign currency against the euro.
• Rates for the most common transactions determined by the CNMV.
• Prospectuses for issuances and IPOs in which Bankinter is responsible for the placement or the financial service.
• Prospectuses for the collective investment institutions marketed by the Bank.
• Examples of standard agreements for the following:
  • Portfolio management
  • Securities deposits.

Customer Service area

Bankinter has a Customer Service area to ensure the defence of its customers and users, and to handle any claims that may be lodged.

• The Customer Service Area:
  C/ Pico San Pedro, 1, 28760 Tres Cantos (Madrid).
  Telephone: 900 80 20 81.
• If the claimant is not satisfied with the decision made, the incident may be filed with the Complaints Service of Banco de España (Bank of Spain) by completing the following form with Banco de España. In the case of complaints by users of investment services, in accordance with Rule Five of CNMV Circular 7/2013 of 25 September, the following claims form with the CNMV should be completed.

Bankinter attaches great importance to the quality of service provided to its customers.

Here are our interest rate statements:

INTEREST RATES AND FEES - PDF (131 KB)

Interest rates and fees published for tacit overdrafts on current accounts and on credit accounts (Annexe 2 of Bank of Spain Circular 5/2012, of 27 June, to credit institutions and payment service providers, on transparency of banking services and responsibility in granting loans).

FX

For transactions that involve a currency conversion, unless otherwise agreed by the parties, the exchange rate applied will be the rate published on the Bankinter website for the value date of the transaction. This rate will correspond to the WMR benchmark rate published by REUTERS at 2 p.m. on the day on which Bankinter publishes its rate, although the Bank may add a spread of up to 2.51%.

SEE INFORMATION ON CURRENCY BUY OR SELL EXCHANGE RATES

Banknotes

Check the record of daily changes applied in the banknote buy or sell service:

SEE INFORMATION ON BANKNOTE BUY OR SELL EXCHANGE RATES

Public debt:

PUBLIC DEBT - PDF (60 KB)

Private fixed income:

BONDS - PDF (88 KB)
STRUCTURED BONDS - PDF (68 KB)
REPOS AND PROMISSORY NOTES - PDF (72 KB)
PREFERENCE SHARES - PDF (68 KB)
COVERED BONDS - PDF (60 KB)

Investment funds:

MONETARY FUNDS - PDF (54.2 KB)
FIXED INCOME FUNDS - PDF (54.1 KB)
EQUITY FUNDS - PDF (56.4 KB)
MIXED FUNDS - PDF (54.7 KB)
GUARANTEED FUNDS - PDF (54.7 KB)
REAL ESTATE FUNDS - PDF (57.1 KB)
ALTERNATIVE MANAGEMENT FUNDS - PDF (54.7 KB)
FREE INVESTMENT FUNDS - PDF (59.2 KB)
VENTURE CAPITAL FUNDS - PDF (14.7 KB)
EXCHANGE TRADED FUNDS - PDF (48 KB)

Structured Deposits:

STRUCTURED DEPOSITS - PDF (56 KB)

Portfolio management:

PORTFOLIO MANAGEMENT - PDF (81.9 KB)

Shares:

SHARES - PDF (56 KB)

Savings Insurance:

INCOME - PDF (319 KB)
INVERPLUS - PDF (319 KB)

Organised market derivatives:

OPTIONS AND FUTURES - PDF (52 KB)
WARRANTS - PDF (48 KB)
STOCK MARKET CERTIFICATES - PDF (17.7 KB)

Issue

Pursuant to Regulation (EU) 2021/1230 of the European Parliament and of the Council of 14 July 2021 on cross-border payments in the Union, please note that BANKINTER, S.A. does not apply fees for currency conversion in card payment transactions made at ATMs or point-of-sale terminals located outside Spain.

However, you can check the exchange rate and the cost for currency conversion applied by our card systems (Visa and Mastercard) for transactions carried out abroad at the following links:

• Currency or exchange rate calculator​ | Visa
• Currency or exchange rate calculator​ | Mastercard​

Acquisition

Pursuant to Regulation (EU) 2021/1230 of the European Parliament and of the Council of 14 July 2021 on cross-border payments in the Union, please note that the fee applied by BANKINTER, S.A. for currency conversion in card payment transactions made at ATMs or point-of-sale terminals managed by BANKINTER, S.A. amounts to 3.50% of the latest available euro reference exchange rate published by the European Central Bank (ECB).

You can check the ECB reference rates at this link: www.ecb.europa.eu