BK Mini account
Little ones always get their way!
Bk Mini1 is our account for young big savers from birth to age 17. But it's an account for you as well because it's designed to help you build the savings that sooner or later you're sure to need for them: Erasmus, University...
Yes, they do win.
No maintenance fees
This way, you save on everything. Because you won't pay any maintenance fees with the Bk Mini account.Free debit card
Of course it's optional, but if you think it might come in handy, for example if you're taking a trip, you can count on it and count on it for free!Free transfers
No fees are charged on all national transfers made through our website.Who is it for?
Account for children from birth to age 7.Monthly income
No monthly income required.And last but not least
No need to set up any direct debits.5% Plan2
The plan that invests in your children.
A Bankinter idea for investing in your children's future. Each month that you contribute at least €50 to an investment fund from the Bk Mini account, we'll pay a monthly bonus into the account:
- An annual 5% the first year and an annual 2% the second year on the balance accumulated in the investment fund, up to a maximum of €1,000.
- Remember, the value of investment funds can fall as well as rise, so you may get back less than you invested.
How to activate and make regular contributions to your 5% Plan.
Find out moreFor complete peace of mind
Card spending control
Using a card gives your children a sense of independence, but it's also secure because you're the one who sets and changes the limits whenever you want and as many times as you want.Read-only password
Read-only access to the account on the website and app. An entertaining way for children to learn how a bank account works, with the peace of mind of knowing they can't actually perform any transactions.
BK Discounts
Get all the benefits of our discount programme for young customers.
Register with the programme to unlock direct discounts or bonuses and add them to your piggy bank.
We'll also send you regular updates about new offers that match your interests.
Let's learn together.
Money Town
A fun financial education game to learn basic concepts such as how to save and spend responsibly. Simulate personal financial situations and find out the consequences of your decisions.
Find out moreSee Bk Mini conditions Bk Mini conditions
Terms and conditions
The BK Mini account is designed for people living in Spain between the ages of 0 and 17. The parents or legal guardians will apply to open the account.
- The same person may only hold one BK Mini account.
- This account does not bear interest or have a maintenance fee.
- Free domestic transfers through bankinter.com
- Debit card which is free, but not compulsory.
- Fully operational account: with full liquidity, payments, collections, etc. If you arrange to pay direct debits, they must be connected with the child’s expenses.
See FAQs FAQs
What documents do I need to open a BK Mini Account?
Children younger than 14 will need a photocopy of their ID card, or Tax ID number issued by the Tax Agency. This document is used to identify the minor until he/she reaches the age of 14, after which the ID card will be needed. In either case, the family book (libro de familia) will also be necessary.
Can I open a BK Mini account for a child if he/she is not my child?
You can only open it if you are the child's legal guardian.
What happens to the BK Mini account when the child turns 18?
The account will automatically become a BK Youth account, with the same account number and the same features. You will not have to change direct debits. All you'll need to do is sign to give consent and ask for the remote banking passwords that you (as an adult) will use to access these services.
Do I have to pay bills by direct debit?
No, you don't have to, though you can if you want to, as long as the bill has some connection to the child's expenses.
Can a minor have a debit card?
Minors cannot be debit card holders except if they are emancipated (from age 16). However, parents or legal guardians may ask for a beneficiary card based on theirs, and may set limits on the use of it.
Important information
- See list of the typical services linked to a payment account
- BK Mini Account Fee Information Document
- View BK Mini Pre-Contract Factsheet
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Show/Hide legal text1 Bk Mini Account. The Bk Mini Account does not bear any interest or maintenance fee. To be eligible for a Bk Mini Account, you must be no older than 17 when you open it or for the duration of the account. Only one Bk Mini Account is permitted per holder (0-17 year olds).
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Show/Hide legal text2 5% Plan: To activate the 5%-2% Plan you must be the holder of a Bk Mini or Bk Youth account and you must make a monthly contribution of at least €50 to one or more Bankinter investment funds linked to your account. If you do not make this minimum monthly contribution, you will not receive the bonus. First year: 5%. Second year: 2%.
Monthly bonus paid on the total balance contributed to the fund since the activation of the plan. The maximum bonus-bearing balance is €1,000. Below is a typical example for an initial subscription of €1,000 to an investment fund with a scheduled periodic contribution of €50 per month for the next 23 months. Monthly bonus the first year: €4.17 (total annual bonus: €50.04). Monthly bonus the second year: €1.67 (total annual bonus: €20.04). This promotion is valid for all Bk Mini and Bk Youth accounts opened before 31 March 2020.
The fund prospectuses and Key Investor Information Document, as well as all the other legal documents regarding Bankinter's collective investment institutions (IICC), are available at all of our branches, on the Bankinter website (www.bankinter.com) and on the website of the Spanish National Securities Market Commission (CNMV) (www.cnmv.es). The time frame for each fund is specified in the Key Investor Information Document.