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Only for the account
Each investment fund has its own risk flag, which may be higher.
5% Plan
A plan for you to start investing. A plan for your future.
What's the plan? It's an idea that Bankinter has come up with to encourage you to invest in the easiest possible way so you'll hardly notice you're doing it. The 5% Plan rewards1 the contributions you make each month from your Mini2 or Youth3 account to investment funds. A plan for a university course, a trip abroad or perhaps a new computer.
Remember that with investment funds, you may not get back what you invest.
Up to 5% per year
During the first year.Up to 2% per year
During the second year.Monthly bonus
You'll get a monthly bonus on the cumulative balance in the investment fund. The maximum bonus-bearing balance is €1,000.
Up to 5% during the first
12 months.
From only €50
You don't have to invest a lot to get your bonus. Each month that you invest a minimum of €50, we'll pay the bonus in to your account.Invest and get back more
The 5% Plan rewards the cumulative balance in the investment fund based on all the contributions of at least €50 that you make during the first year, up to a maximum of €1,000. The maximum bonus-bearing balance is €1,000.What if one month you don't invest?
The 5% Plan isn't a commitment. It simply encourages you to invest. There's no obligation to make a contribution if you can't.
And after the first 12 months?
We know how hard it is to create a new habit. So to encourage you to keep it up, after the first 12 months the 5% Plan automatically becomes the 2% Plan.
Not sure how to choose an investment fund?
Don't worry, it couldn't be easier with us. There are three options to choose from:
profiled funds, socially responsible funds or a fund that matches your profile.
profiled funds, socially responsible funds or a fund that matches your profile.
You can apply for a
profiled fund
These are funds we've already selected for you to choose one that matches your investment preferences.
Defensive Profile
Max. Exposure in the equities market
From €10
Apply for a fund from Bankinter Multiselección Defensivo CNMV 4923
Conservative Profile
Max. Exposure in the equities market
From €10
Apply for a fund from Bankinter Multiselección Conservador Reg. CNMV 4922
Moderate Profile
Max. Exposure in the equities market
From €10
Apply for a fund from Bankinter Multifunds Moderate Profile Platea R
Dynamic Profile
Max. Exposure in the equities market
From €10
Bankinter Platea Dinámico R FI (reg. no. CNMV 4920; ISIN: ES0115086029) from Dynamic Profile Class R
Apply for a fund from Bankinter Cartera Privada Dinámica Class R
Aggressive Profile
Exposición máx. en el mercado de renta variable
From €10
Apply for a fund from Bankinter Cartera Privada Agresiva Platea R
You can apply for socially responsible funds
Funds that select assets based on ethical and responsible criteria.
You'll find the fund
you're looking for
If you already have experience with investment funds, our search engine will make it even easier.
Decide a monthly amount and then forget all about it
A facility that makes it much easier to plan. Just choose an amount and frequency to automate your contributions to your investment funds.
Find out more about regular investment planImportant information
- T&C of the 5% Plan promotion
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Show/Hide legal text1 5% Plan: To activate the 5%-2% Plan you must be the holder of a Mini or Youth account and you must make a monthly contribution of at least €50 to one or more investment funds marketed by Bankinter and 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 regular 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 Mini and Youth accounts opened before 31 December 2023.
The fund prospectuses, the key investor information document and the other legal documents for Bankinter's collective investment institutions are available in our branches, on the Bankinter website (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.
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Show/Hide legal text2 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).
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Show/Hide legal text3 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 text4 Investment funds: The key investor information document, prospectus and all other legal documents related to Bankinter's collective investment institutions are available at any of our branches, on the Bankinter website (www.bankinter.com) and on the Spanish National Securities Market Commission (CNMV) website (www.cnmv.es).