Show/Hide legal text1 5% interest-bearing accounts: Offer valid until 31.12.2022 for new and existing individual customers resident in Spain. Customers who wish to open a Salary/Pension/Business Account must have their salary/pension/professional income paid into the account for a minimum amount of €800 per month, and these payments must not be currently paid into any other Bankinter account. Moreover, none of the account holders may have held a Salary/Pension/Business/Non-Salary/Youth Salary Account at any time during the 12 months before opening this account and they must not have received any remuneration or return on any such account in the past. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account is a current account featuring special financial terms and conditions, such as credit cards without any issuance or maintenance fees and no account maintenance fees.
Maximum interest-bearing balance of €5,000. Year 1: nominal annual interest rate of 4.94%, 5% AER. Year 2: nominal annual interest rate of 1.99%, 2% AER. Interest paid every six months. Example for a daily balance in the salary account of €5,000, calculated for an interest payment period of 180 days (gross remuneration): 1st six months €121.81, 2nd six months €121.81, 3rd six months €49.07, 4th six months €49.07.
To earn and retain all the benefits of our Salary/Business/Pension Account, you must maintain your declared level of income and pay at least three (3) direct debits out of the account per quarter. The card linked to the account must also remain active, meaning that it must be used to make at least three payments each quarter. For the Pension Account, activation of the linked credit card is not required. For the non-salary account, you must pay at least 10 direct debits per quarter and spend at least €3,000 per year with the card(s) linked to the account.
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If you open a Salary/Pension/Business/Non-Salary/Youth Salary account, you can have up to two current accounts with no maintenance fee (NIR 0%, APR 0% calculated for a hypothetical daily balance of €5,000 maintained for one year). This offer is available until 31/12/2022 for both new and existing customers, and is compatible with all the other benefits of the Salary/Pension/Business/Non-Salary/Young Salary accounts. To keep the benefit you must meet the requirements of the Salary/Pension/Business/Non-Salary/Youth Salary account.
Source: Inteliens. A comparative survey of 20 financial institutions carried out at the beginning of March 2022 on the conditions and advantages associated with salary accounts concluded that the Bankinter salary account is the only one that offers two free accounts, for any purpose, associated with a main salary account with high remuneration (5% AER the 1st year and 2% AER the 2nd year) and without any fees. The sources of information were: the Inteliens competitor monitoring financial observatory (Individual Retail Banking), mails to managers and calls to financial institutions as a real customer and contacts through social media as a potential customer. SEE SURVEY DETAILS
Show/Hide legal text3 Personal Loans: From €3,000 to €90,000 and repayment over 6 to 96 months. Financing offered by Bankinter Consumer Finance EFC, S.A., a financial credit establishment registered with the Bank of Spain under number 8832, with registered office at 12 Avda. de Bruselas, 28108 Alcobendas, Madrid, recorded in Volume 22,729, Folio 181, Sheet No. M-259543 of the Madrid Companies Register, and with tax identification number A82650672.
Show/Hide legal textComprehensive insurance for retail premises and companies, general civil liability and professional civil liability for senior managers offered by Bankinter Seguros Generales, S.A. de Seguros y Reaseguros, building insurance offered by Mapfre España Companía de Seguros y Reaseguros, S.A., and machinery and electronic equipment breakdown insurance offered by Plus Ultra Seguros Generales y Vida, S.A. de Seguros y Reaseguros, all sold through Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, which has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, and taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
Show/Hide legal textThe 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 website of the Spanish National Securities Market Commission (CNMV) (www.cnmv.es).