Bankinter Personal Banking
Person to person.
That is our concept of Personal Banking. A service based on an in-depth knowledge of our customers that enables us to anticipate their needs. A personal touch for a specialised service.
Personalised service supported by people, channels and products.
A person you can trust. Your personal bank manager
The expert always by your side to advise you, to help you make decisions, to anticipate your needs. Always there to analyse your financial situation and then come up with an exclusive investment plan to optimise your assets.Decide how you want to communicate and bank with us
Since not all needs are the same and not all days are the same, you choose the time and the channel.We bring all of our experience to all of our services.
We're proud of our experience and our team.
- You will be able to decide, at any given moment, how far you want to delegate decision-making.
- You will be able to communicate with your Personal Banking manager through your branch, mobile or internet.
- Website and app: Through our website or App, you choose when: 24 hours, 7 days a week. You can check your positions, carry out transactions, manage your cards, etc. Anywhere, anytime.
- Telephone banking: Speak to our professionals if you have a query or want to carry out a transaction, whether you're in Spain or abroad.
- 17,000 ATMs: The largest ATM network in Spain for withdrawing cash from your account, free of charge.
- Digital tools: All with an intuitive environment to make every process a simple one: comparators, calculators, payment platforms like Apple Pay, card switch on and off facility on mobile devices, and more.
Over 50 years. Over 5,600 people.
A team who is able to design innovative products, guarantee agile incident resolution, anticipate your needs and, in short, give you personal solutions.
That is our concept of Personal Banking.
So you won't just find products with us, you'll find solutions.
Personal solutions
for personal banking.
What you need, when you need it.
Research tools
All the information you need, put together by our experts
Video analysis.
Every week you'll be able to watch a video with key information about the markets and interest-rate trends.
Product analysis
Everything about funds, markets, interest rates and currencies. And now you can also stay up to date through WhatsApp, Telegram and even with our podcasts ...
Regular reports
Every week you'll receive an email with key information about market activity and trends.
Bankinter Broker
The broker that adapts to your investor knowledge.
All of your trading with the same broker: from the simplest to the most sophisticated transactions.
- Tools, interactive charts, stop orders, alerts to mobiles...
- Trading in over 25 markets: shares, ETFs, warrants, options, etc.
- Over-the-phone advice and assistance from stock market experts.
- Find out about our Broker Account, which pays 2% annual AER for trading on the stock market. Maximum interest-bearing balance of €5,000€ a quarter. Limited to 40,000 accounts.
Investment funds
Our 4,000 funds include the perfect one for you.
The value of investment funds can fall as well as rise, and you may get back less than you invested.
Regular contributions
If you invest in funds, pension plans or stocks ...
Profiled Funds
A selection of funds segmented according to the investor profile. In other words, according to the expected return and the risk you're comfortable with. There's no such thing as the perfect fund, but there are funds adapted to every investor.
Investment funds for beginners
If you've never bought an investment fund or you're not sure how they work... We'll explain everything in detail to make it easy for you.
Find out more about Funds for beginners
Delegated Investment
There are no difficult decisions when professionals are on your side, only expert decisions.
From €8,000 for pension plan portfolios and from €1,000 for investment funds and securities, you can delegate the management of your investments to a team of experts. There are two types of management to choose from, depending on your investor profile:
- Risk management
- Fundamental management
The value of investment funds can fall as well as rise, and you may get back less than you invested.
You can find out more about risk indicators and liquidity alerts for pension plans at https://www.bankinter.com/banca/en/investment-savings/retirement.
Roboadvisor
Bankinter's robo-advisor
With the Roboadvisor digital investment platform you will have a team of experts to manage your assets, so you won't have to worry about a thing.
- From €1,000. Choose the product that best suits your needs.
- We offer three types of fund portfolios: managed, indexed and sustainable.
- You can also choose from a wide range of pension plans.
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Accounts
You have an account suited to your needs and your personality.
Salary account
For employed workers.
Non-Salary Account
If you don't have a regular income but need to set up direct debits for your bills.
Business Account
Self-employed? Bankinter has a special place for you.
Pension Account
If you are a pensioner, you deserve the best.
Tú y Yo Account
If you share expenses you can share an account.
Bk Mini
The account for our younger customers. Today's account for tomorrow's savings.
BK Youth
If you're between 18 and 24, count on BK Youth
BK Salary
If you have a salary and are less than 31 years old, you already have your account
Broker account
The account that pays for your trading on the stock market
Cards
If your purchases aren't the same, why always use the same card?
More cards, more to choose from:
Pension plans
Don't give up your lifestyle.
Do you know how much your pension will be when you retire?
PIAS (individual systematic savings plans)
Use our PIAS Gestión Dinámica unit-linked insurance to invest in investment funds while you save on taxes.
- As you are investing in investment funds, provided you maintain your PIAS you will not be taxed on your returns.
- If you opt for a life annuity when you receive your savings, you will not be taxed on the returns.
PIAS are products that can fall as well as rise in value, and you may get back less than you invested.
Fixed-rate Mortgage
If you prefer the same instalment every month.
Variable-Rate Mortgage
A traditional mortgage but with excellent terms and conditions.
Mixed-rate Mortgage
If you prefer to combine fixed interest with variable-rate interest.
Hipoteca Sin Más
A mortgage in which the only guarantee is your home.
A bank for today, a society for tomorrow.
Fundación de la innovación Bankinter
From the inside, for everyone.
CSR
Our best legacy.
Because we believe in and trust in society, we've created a sustainability plan focused on three broad areas:
- Economic: to encourage a change in the production models.
- Social: to achieve a demographic change.
- Environmental: to fight climate change.
