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Only for the account
Each investment fund has its own risk flag, which may be higher.
Youth Area
What if you stop subtracting and start adding?
A new space for young people where you can do everything on your mobile, with what you really need. No hassles. No nonsense..
This is what we offer you from the Bankinter Youth Area, an area designed for people like you. A place for you to get more for your money and do so easily, from your mobile, without hassle and without wasting any time.
- Save time.
- Increase returns.
- Add only what you need when you need it.
Three accounts for you to choose from depending on your accounts.
Youth Account1
Are you a student? Don't have a salary yet?
- For you, if you're between 18 and 24.
- No fees.
- No conditions.
- No minimum income.
- With debit card.
Payroll account for young people2
Do you already have a salary but just call it a small one?
- For payroll amounts of more than €500.
- You will get up to €205 during the first two years2.
- Account without fees.
- With Combo Card.
- If you are interested, don't hesitate: the promotion will remain valid until 40,000 accounts have been opened.
Payroll Account3
Do you finally have an actual salary?
- If your payroll amount is more than €800.
- You will get up to €340 during the first two years3.
- Account without fees.
- With Combo Card.
- This is a promotion that, like the rest, will not last long: only until 40,000 accounts have been opened.
It doesn't matter which account you choose because you'll always pay less.
Cinema, gym, cosmetic products, phone, music, clothes... whatever you want, all for less.
Discounts on your purchasesThe more you do with your mobile, the more time you save.
Bankinter app
Bankinter at your fingertips
- To check and carry out transactions.
- To find your nearest ATM.
- For anything Bankinter-related
Bank cards on your phone
Pay without getting your wallet out
- All your cards, instantly accessible.
- Pick: Apple Pay, Samsung Pay, or Google Pay.
Bizum
If you carry a mobile on you, you carry money
- To send or receive or money.
- To pay for your purchases online.
- To do all this easily, quickly, securely and for free.
More than 17,000 ATMs4, where you can withdraw money with no fee.
Which is closer?Got somewhere to live but want “your own” place?
Whether you have already made your mind up or you're not quite ready yet, we'll give you all the help you need.
Are you currently renting but wanting to make the leap and buy your own home?
In the meanwhile, pay your rent from your Bankinter account and, the moment you finalise your mortgage with us, you will get cashback. You will receive 10% per year of the average of your monthly rent as cashback in your virtual piggy bank. It is calculated on a maximum amount of €1,000 and is paid half yearly. You can make up to €500. If you take out your mortgage with us before you are 36, you can open your piggy bank and spend it on whatever you need.
Is now the time to buy a house?
Hello? So we have two pieces of good news:
We offer two types of mortgage to help you get the house of your dreams: choose our Youth Mortgage and pay it off in up to 40 years5 or our Mortgage 90 if you want us to finance 90%.6.
In addition, if the home you decide to buy is a house classified as energy efficient, you will get even more advantages.
Ideas for you to say goodbye to the piggy bank once and for all.
A piggy bank or money set aside is no longer a good idea. That is why we offer ways you can put your money to use. You have three options:
Do you want to take a risk and start investing? You can start with as little as €10
Do you want to learn how to start investing in the stock market?
Roboadvisor
REMEMBER: With investment funds, you may not get back what you invest.
Young people?
They matter!
Mini Account8 for 0 to 17 year olds. No fees, no obligation to pay receipts by direct debit and a wide range of tools to help you improve your knowledge of finances.
Find out more about Mini accountCome on! Come on!
Important information
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Show/Hide legal text1 Youth Account. The Youth Account does not bear any interest or maintenance fee. NIR: 0% (AER: 0%). To be eligible for a Youth Account, you must be between 18 and 24 years old when you open it and for the duration of the account. If there are several holders of the same account, at least one of them must be between 18 and 24 years old. Only one Youth account is permitted per holder or co-holder.
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Show/Hide legal text2 Youth Salary Account: Promotion valid until 31/12/2022 or up to a maximum of 40,000 new accounts. Exclusively for new customers aged between 18 and 30 with a monthly salary of at least €500. A customer may only hold one interest-bearing account and a maximum of two interest-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 no account fees. The maximum interest bearing balance is €3,000. Year 1: annual nominal interest rate of 4.94%. 5% AER. Second year: nominal annual interest rate of 1.99%. 2% AER. Interest paid every six months. Example for a daily balance in the Salary account of €3,000, calculated for a settlement period of 180 days (gross return): 1st six months €73.08, 2nd six months €73.08, 3rd six months €29.44, 4th six months €29.44. To unlock and keep the perks of our Youth Salary account, you need to maintain the declared level of income and the card linked to the Youth Salary account must be active, which means that you have to use it at least three times per quarter.
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Show/Hide legal text3 5% interest-bearing accounts: Offer valid until 31.12.2022 for new and existing individual customers resident in Spain. To apply for a Salary/Pension/Business, customers must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month and those payments must not be currently paid into another Bankinter account. Customers must not have been holders of a Salary/Pension/Business/Non-Salary/Youth Salary account in the 12 months before opening the account and may not have received any remuneration for any of these accounts. 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 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 discount-bearing current account means a current account featuring special financial terms and conditions, such as credit cards with no issuance or maintenance fees, or no account maintenance fees. Maximum interest-bearing amount: €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, 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, 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 text4 ATMs: Bankinter will not charge you any fees when you withdraw cash with your debit card, no matter the amount, provided you use a Bankinter ATM or an ATM belonging to any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash, Euronet and the entire Euro 6000 ATM network: CajaSur Banco, EVO Bank, CECABANK, CARDTRONICS, Caixa Ontinyent, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank and Unicaja.
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Show/Hide legal text5 As long as none of the holders is over 75 years old when the loan matures.
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Show/Hide legal text6 The loan amount may not exceed 90,00% of the lower of these two values: the property's purchase value or appraisal value.
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Show/Hide legal text7 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 bankinter.com and on the website of the Spanish National Securities Market Commission (www.cnmv.es).
The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.
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Show/Hide legal text8 Mini Account. The Mini Account does not bear any interest or maintenance fee. NIR: 0% (AER: 0%).To be eligible for a Mini Account, you must be no older than 17 when you open it or for the duration of the account. Only one Mini Account is permitted per holder (0-17 year olds).