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Only for the account
1 /6
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
Bankinter, S.A. is a member of the Deposit Guarantee Fund for Credit Institutions of Spain. The maximum amount currently guaranteed by this Fund is 100,000 euros per depositor.
Each investment fund has its own risk flag, which may be higher.
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No-fee account

So it's all savings. With Youth Account you will no longer pay account maintenance fees.
NIR: 0% (AER:0%).

Debit card

No issuance or maintenance fee. It's wholly optional but it's there if you think it could ever be useful.

Free transfers domestically and within the EU.

There is no fee for any domestic and EU transfers in euros via our website or app.

Discounts programme

Discounts on gym fees, phone bills, travel, eating out, music, clothes, cosmetics, “ whatever you need”.

Amazon.es gift voucher

You pay 1.5% less when you buy your Amazon.es Gift Vouchers1 through your Youth Account. In other words, your purchases will be 1.5% happier.


Who can open a Youth account?

To open a Youth account you need to be over 18 and under 24 and live in Spain.
If there are several account holders, at least one of you must be between 18 and 24 years old.
And finally: only one Youth account is permitted per holder or co-holder.

Rental Savings Plan

Rent today, own your home tomorrow

If you are renting but would like to buy a house one day, look no further than Rental Savings Plan: pay your rent through your Bankinter account and you will receive a reward of up to €500 on your first mortgage:

  • Annual reward of 10% of the average of your monthly rent.
  • It will be calculated on a maximum amount of €1,000. and will be paid twice a year.
  • To access the funds in your virtual piggy bank, you need to take out a mortgage with Bankinter before your 36th birthday.
find out more about rent
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Apply for Youth account

Apply for a Youth account

5% Plan2

A good plan for your money.

A plan that rewards the contributions you make from your Youth Account to investment funds distributed by Bankinter and associated with that account. Every month that you contribute a minimum of €50, you will receive a monthly reward paid into your Youth Account.

  • Up to 5% annual for the first year.
  • Up to 2% annual during the second year.
  • Paid monthly and always on the fund balance accumulated since the plan was activated, with a maximum of €1,000.
  • No obligations: if one month you don't make any contributions you will not receive the reward.
Find out more about the 5% plan

Remember:

  • Investment funds can lead to a loss of capital.
  • This promotion is valid for all Mini and Youth accounts opened before 31.12.2022.

For example:

  • Let's start with an initial subscription of €1,000.
  • We will set up a regular monthly contribution of €50, and assume we will keep it for 23 months.
  • Result of the monthly payment for the first year: 4,17€. Total annual bonus: 50,04€.
  • Result of the monthly payment for the second year: 1,67€. Total annual bonus: 20,04€.

So many types of funds... but do you know how they work? Our guide explains them to you in simple terms.

beginner's guide to funds

Always there, however you want.

We offer multiple ways to bank with us, so you can go at your own pace rather than ours.

17,000 ATMs for free debit card cash withdrawals

At our ATMs and EURO 6000 ATMs, Grupo Cajas Rurales, Deutsche Bank, Grupo Cajamar, Laboral Kutxa, Banca March, Targo Bank, Euro Automatic Cash and Euronet.

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 Youth Account, you can use all the payment platforms and tools such as Apple Pay, Samsung Pay or Google Pay through your mobile.
Find out more about mobile payment

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!
Find out more about bizum

Thinking of bringing other accounts to Bankinter? Make your life easier: no paperwork, no going through the office and not talking to your other bank.

Account Transfer Service

See FAQs FAQs

What documentation do I need to open an account?

All you need to provide is a valid ID card.

What are the benefits of opening a Youth Account?

It is a free account, with no fees or other strings attached. Website and app transfers in euros are free of charge. You can also apply for a free debit card to make mobile payments through Google Pay, Samsung Pay or Apple Pay and withdraw cash free of charge at more than 17,000 ATMs3.

And as a holder of this account you will have access to our Discounts Programme, where you can find discounts on selected brands and shops for young people.

Do I have to pay in a minimum amount?

No, the only requirement for opening a Youth Account is that you must be aged between 18 and 24 and be resident in Spain.

Important information

  • See list of the typical services linked to a payment account
  • Youth Account Fee Information Document
  • View Youth Account Pre-Contract Factsheet
  • See general terms and conditions for current accounts

Bankinter has the solution

Want to find out more about our accounts? Let's talk.
More information
900 816 833
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