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Only for the account
Each investment fund has its own risk flag, which may be higher.
Youth Account
Whatever your pace, we'll keep up with you.
Our Youth account lets you check your balance, carry out transactions from your mobile and withdraw cash on the go so you can focus on what really matters in life. If you are aged between 18 and 24, this is the account for you.
- No need to set up any direct debits.
- No monthly payments required.
- An account with absolute liquidity
- Fully functional: you can make and receive payments, set up direct debits for bills, etc.
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 Card: pay 1.5% less
You pay 1.5% less when you buy your Amazon.es Gift Cards1 through your Youth Account.
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.
Apply for Youth account
Apply for a Youth account5% Plan2
A good plan for your money.
Remember:
- Investment funds can lead to a loss of capital.
- This promotion is valid for all Mini and Youth accounts opened before 31.12.2023.
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.
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.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!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.
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
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Show/Hide legal text1 Promotion valid until 31 December 2023. Restrictions apply. See details at: amazon.es/tarjetas-regalo-condiciones.
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Show/Hide legal text2 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 text3 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.
- See list of the typical services linked to a payment account
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
- Youth Account Fee Information Document
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Show/Hide legal textVersion also available in Catalan, Valencian, Basque and Galician.
- View Youth Account Pre-Contract Factsheet
- See general terms and conditions for current accounts
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