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Notices and charges
See Information on the transparency of banking operations and customer protection Information on the transparency of banking operations and customer protection
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 contracting of loans or mortgage loans and brokerage services and the contracting of loan or credit agreements with consumers (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 contracts (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 debtors without resources (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 contracting 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, procedures 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 26 April, partially implementing Law 5/2019 (Official State Gazette of 29 April 2019).
- Order ECE 482/2019, of 26 April, modifying Order EHA 1718/2010 and Order 2899/2011 (Official State Gazette of 29 April 2019).
- Regulation (EU) 2019/518 of the European Parliament and of the Council of 19 March 2019 amending Regulation (EC) No 924/2009 as regards certain charges on cross-border payments in the Union and currency conversion charges (OJEU of 29 March 2019).
- Royal Decree-Law 8/2020, of 17 March, on extraordinary urgent measures to address the economic and social impact of Covid-19 (BOE 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 deal with Covid-19 (BOE 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 (BOE 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 (BOE of 27 May 2020 ). Arts. 6 to 8 and First Temporary Provision
- Bank of Spain Circular 4/2020, of 26 June, on advertising banking products and services (BOE 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 protecting customers who use banking services (BOE of 27 June 2020).
- Circular 2/2020, of 28 October, of the Spanish National Securities Market Commission, on advertising investment products and services (BOE of 13 November 2020).
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, over the counter or through 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 OPVs 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 contracts for the following:
- Portfolio management
- Securities deposits.
Customer service department
Bankinter has a Customer Service Area and a Customer and Investor Ombudsman. Bankinter provides the following channels to ensure the protection of its customers and users, and to help them deal with any issues that arise:
- Bankinter Telephone Banking
- The Customer Service Area:
C/Avda. Brussels 14, Arroyo de la Vega, 28108, Alcobendas, Madrid
Phone: 900 802 081 - Fax: 91 / 623 44 21 - You can also contact:
The Customer and Investor Ombudsman
José Luis Gómez-Dégano y Ceballos-Zúñiga
C/Raimundo Fernández Villaverde 61, 8-dcha.
28003, MADRID
Phone: 91 429 56 61 - Fax no. 91 429 2319 - If you are unhappy with the results, you can submit the issue to the Complaints Service of the Bank of Spain or, for investment services, the CNMV, in accordance with rule five of Circular 7/2013 of 25 September, by completing the following CNMV complaint form.
See Binding offers of consumer credit transactions and mortgages Binding offers of consumer credit transactions and mortgages
You are hereby informed of your right to request binding offers on transactions which are of interest to you and to which Act 16/2011 of 24 June on consumer credit agreements, Act 2/94 on subrogation and modification of mortgage loans and Act 5/2019 of 15 March regulating real estate credit agreements, is applicable.
The binding offer shall be free of charge and shall have the validity set forth in each of the provisions referred to above. During this period, the Entity undertakes to fulfil the economic conditions offered, except for exceptional causes for which the Entity is not responsible.
See Fees and interest rates Fees and interest rates
The bank provides this guide for your information and in compliance with prevailing legislation:
QUARTERLY INFORMATION ON FEES AND INTEREST RATES - PDF (187 KB)
Usually applied to normal banking services provided to customers (Annexe 1 of Bank of Spain Circular 5/2012, of 27 June, to financial institutions and payment service providers, on transparency of banking services and responsibility in the granting of loans).
See Interest rates statements Interest rates statements
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).
See Stock market fees Stock market fees
The bank provides this guide for your information and in compliance with prevailing legislation:
MAXIMUM FEES FOR SECURITIES MARKET TRANSACTIONS AND SERVICES - PDF (62KB)
See Exchange rates information Exchange rates information
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%.
Banknotes
Check the record of daily changes applied in the banknote buy or sell service:
See Interchange fees and merchant services charges Interchange fees and merchant services charges
As provided for under prevailing laws, we provide you with quarterly information on discount and exchange rates (Annex to Bank of Spain Circular 1/2015, of 24 March, to payment service providers, on information on discount and exchange rates).
See Information for depositors Information for depositors
The bank provides this guide for your information and in compliance with prevailing legislation:
DEPOSITOR FACTSHEET - PDF (74KB)
Annexe introduced by paragraph 17 of the first final provision of R.D. 1012/2015, of 6 November, implementing Law 11/2015, of 18 June, on the recovery and resolution of credit institutions and investment services companies, and amending Royal Decree 2606/1996 of 20 December on deposit guarantee funds for credit institutions.
See Product factsheets Product factsheets
Public debt:
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:
Portfolio management:
Shares:
Savings Insurance:
Organised market derivatives:
See Rights and obligations regarding payment services for consumers Rights and obligations regarding payment services for consumers
See Currency conversion fee information Currency conversion fee information
Issue
In line with Regulation (EU) 2019/518, of 19 March 2019, regarding certain charges on cross-border payments in the Union and currency conversion charges, BANKINTER, S.A. does not charge a currency conversion fee for card payment transactions carried out at ATMs or point of sale terminals located abroad.
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:
Acquisition
In line with Regulation (EU) 2019/518, of 19 March 2019, regarding certain charges on cross-border payments in the Union and currency conversion charges, the currency conversion fee charged by BANKINTER, S.A. for card payment transactions carried out the ATMs and point of sale terminals that the Bank manages is 3.50% of the latest euro foreign exchange reference rate published by the European Central Bank (ECB).
You can check the ECB reference rates at this link: www.ecb.europa.eu
See Mortgage access guide and information on the code of good practices Mortgage access guide and information on the code of good practices
The bank provides this guide for your information and in compliance with prevailing legislation:
MORTGAGE ACCESS GUIDEINFORMATION DOCUMENT ON RDL 6/2012 OF THE CODE OF GOOD PRACTICES FOR THE INTRODUCTION OF MEASURES TO PROTECT MORTGAGE BORROWERS EXPERIENCING FINANCIAL HARDSHIP
INFORMATION DOCUMENT ON RDL 19/2022 ON THE CODE OF GOOD PRACTICES FOR THE INTRODUCTION OF MEASURES TO PROTECT VULNERABLE MORTGAGE BORROWERS
See Information document on the transparency policy in the distribution of insurance products by remote means of communication Information document on the transparency policy in the distribution of insurance products by remote means of communication
The bank provides this guide for your information and in compliance with prevailing legislation:
View the pre-contract factsheet on PRIIPs investment products1
Important Information
-
1 Packaged Retail and Insurance-Based Products (PRIIP) .