Only for the account
Each investment fund has its own risk flag, which may be higher.
BK Youth account
Whatever your pace,
we'll keep up with you.
Our Bk Youth account is specially designed to let you check your balance and carry out transactions from your mobile and withdraw cash on the go. So you only need to stop when you need to. If you're between 18 and 24, count on Bk Youth.
No fees
So it's all savings. Because with the Bk Youth account you won't pay any maintenance fees.Free debit card
Of course it's optional, but if you think it might ever be useful, there it is.Free transfers
You won't pay any fees for online transfers within Spain.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.
Find out more
Apply for Bk Youth
Apply for Bk Youth
BK Rent
Rent today, own your home tomorrow
5% Plan2
A good plan for your savings.
A Bankinter idea to make it easier to save and for you also to get a good yield. Every month that you pay at least €50 into an investment fund from your Bk Joven account, you will get an extra yield. If you are unable to save one month, then no worries, you don't need to under Plan 5%.
- Up to 5% AER per month for the first year
- Up to 2% AER per month during the second year
- Maximum interest-bearing amount: €1,000
- Monthly interest payments
Always there, however you want.
We offer multiple ways to bank with us, so you can go at your own pace rather than ours.
14,000 fee-free ATMs3
This way you’ll never have to pay any fees when you take out money. Our App will tell you which ATM is closest to you: one of ours or one of the associated banks.All your banking needs on your mobile
Use our intuitive and secure website and App to make queries and perform transactions from wherever you are.Mobile payment
With Bk Joven, you can use all the payment platforms and tools such as Apple Pay, Samsung Pay, Google Pay or BK Wallet through your mobile.Bizum
Bizum lets you send and receive funds from your mobile. Imagine you want to pay your share of a joint birthday present... It couldn't be faster or easier. Best of all, it's free!See Bk Youth terms and conditions Bk Youth terms and conditions
Terms and conditions
You can open a Bk Youth account if you are resident in Spain and aged between 18 and 24 years old, and do not already have a Bk Youth account.
- This is not an interest-bearing account and has no maintenance fees.
- Free national transfers through bankinter.com
- Free debit card.
- Fully operational. You have total liquidity, you can make payments, collections, pay bills by direct debit, etc.
See FAQs FAQs
What documentation do I need to open an account?
All you need to provide is a valid ID card.
What benefits will I get with the Bk Youth account?
The account is completely free of charge, without any conditions or fees. Transfers online and through the app are free. You can also apply for a free debit card to make mobile payments through Bankinter Wallet or Apple Pay and withdraw cash free of charge at more than 14,000 ATMs.3
Plus, as a holder of this account you can unlock BK discounts for selected brands and shops for young people.
Do I have to pay in a minimum amount?
No, to open a Bk Youth account you only need to be between 18 and 24 years old and live in Spain.
Important information
- See list of the typical services linked to a payment account
- BK Youth Account Fee Information Document
- View Bk Youth Pre-Contract Factsheet
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Show/Hide legal text1 Bk Youth Account. The Bk Youth Account does not bear any interest or maintenance fee. To be eligible for a Bk 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 Bk Youth account is permitted per holder or co-holder.
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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 December 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. -
Show/Hide legal text3 Bankinter will not charge you any fees for debit card cash withdrawals, regardless of the amount withdrawn, as long as you take out the cash at any Bankinter ATM or those of any of the following banks: Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banco Pastor, Targo Bank and Euro Automatic Cash and the entire EURO 6000 ATM network: CajaSur Banco, EVO Banco, CECABANK, CARDTRONICS, Caixa Ontinyent, Liberbank, Liberbank Banco de Castilla-La Mancha, Colonya Caixa Pollença, ABANCA, Ibercaja, Kutxabank, Unicaja and EspañaDuero.
Bankinter, here to help
We're here to answer your questions and banking queries, provide technical support, etc.
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