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For your savings
It's that round-the-world-trip you've always dreamt of, it's the car breaking down at the worse possible moment, it's your legacy.
That's money, that's savings. Sometimes we need to stop for a moment to realise that money that has nothing to justify it is worthless. It's our effort, our stability and our hopes. That's why we work, and all those thing are why it's important to save.
Everyone is different so we offer different solutions.
There are no good formulas and bad formulas. The important thing is being able to access the investment products and formulas that suit you, not the other way around. Here's a simple way to identify the products that are right for you - for your investor profile and for your assets.
If you want to be the one making the decisions:
Profiled funds1
Profiled fund for different investor profiles. Sign in as an investor and we'll offer you a selection of funds adapted to your profile.
- Conservative
- Dynamic
- Aggressive
Foreign currency deposits2
Put your money to work by investing the easy way.
- Deposits in dollars
- From 6 months
- From €9,000
Bankinter Broker
An online broker adapted to all levels, from beginners to professionals. Everything in one place.
- More than 30 markets
- Customisable tools to invest more easily and intuitively
- With a wide range of products: stocks, ETFs, futures, listed products, and more.
If you'd like some advice but still want to make your own decisions:
Bankinter Analysis
All the information prepared by our Analysis Department at your fingertips to help you make decisions.
- Weekly strategy reports
- The latest forecasts, investment strategies and recommendations.
Private advice
A service to help you manage your wealth.
- From €2 million
- We'll adapt the proposal to market trends
- You'll have a highly experienced professional: your high net worth manager
If you want to delegate the decision-making to experts:
Delegated investment
Two types of management: risk management and basic management.
- From €1,000
- Choose between basic management and risk management
- For funds, pension plans, EPSVs and securities
Popcoin: our digital investment manager
Two types of management: risk management and basic management.
- From €1,000
- Delegate the management of your investments online in three simple steps
- Managed funds, index funds and pension plans
Delegated Asset Management
A customised service where you delegate the management of some of your assets, but always based on your objectives.
- From €300,000
- Fund portfolios in euros and US dollars
- Multi-asset portfolios: funds, ETFs and securities
Regular investing
Little by little so you hardly notice it.
Regular investing means investing continuously but little by little so you hardy notice it.
- Design an investment plan without changing your lifestyle.
- Set up automatic contributions from as little as €20.
- For your investment funds,1 pension plans,3 savings plans4 and securities purchases5.
Remember:
- The value of investment funds and securities can fall as well as rise, and you may get back less than you invested.
- Check the risk indicators and liquidity alerts for pension plans.3
- Savings plan: unit-linked life-savings insurance, which can result in a loss of the invested capital because it is the policyholder who assumes the risk of the investment.
Choose the amount and frequency of your contributions.
Work out a budget and decide how much you can invest without having to change your lifestyle.Extra income, an extra contribution.
Just been paid a bonus? Take advantage of extra income to make extra contributions. Every little helps.No problem.
An unforeseen event? An extra expense? If one month you can't set anything aside, don't worry about it. You can change your investment plan whenever you want.More Bankinter
More knowledge: Broker Academy.
Free courses adapted to your knowledge of the stock market.
- In person, online or live-streamed
- Courses taught by experts
Easier: Fund finder
With our finder you can refine your search with multiple criteria:
- Yield
- Risk exposure
More time: Switch Service
A quick and easy way to bring your direct debits and products to Bankinter: accounts, funds, pension plans, etc.
- Online
- From any device
USEFUL INFORMATION
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Show/Hide legal text1 Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website bankinter.com and on the website of the Spanish National Securities Market Commission (www.cnmv.es).
The legal information about the IIC will take precedence in the event of any discrepancy between it and the information set out in this document. The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.
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Show/Hide legal text2 Foreign currency deposits: this product entails risks associated with exchange rate movements.
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Show/Hide legal text3 Pension Plans: The pension plan promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The pension fund depository is Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches and on our website www.bankinter.com.
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Show/Hide legal text4 PIAS: Systematic Individual Savings Plan (PIAS) offered by Bankinter Seguros de Vida, S.A. de Seguros and sold by Bankinter, S.A. as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana 29, 28046 Madrid, 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, belonging to 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, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures incorporating into Spanish law several directives of the European Union concerning public procurement in certain sectors: private insurance; pension plans and funds; tax and tax litigation. private insurance, pension plans and funds, taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions listed here.
Individual systematic savings plans (PIAS) are high-risk financial products that can generate losses as well as profits. The key investor document is available on our website bankinter.com.
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Show/Hide legal text5 EPSV: Bankinter EPSV Individual Retirement Plan: Promoter Partner: Bankinter, S.A.: Manager: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros.
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Show/Hide legal text6 Shares: To check the risk indicators and details about shares, please go to www.bankinter.com/broker
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Show/Hide legal text7 5% - 2% regular contributions promotion: To qualify for the promotion you must hold a Salary, Pension, Business, Non-Salary, Bk Salary, Tú y Yo, Broker or Current account with Bankinter and make a regular contribution from that account of at least €50 per month to an investment fund, pension plan, EPSV or individual systematic savings plan (PIAS), or alternatively allocate €250 per month to the purchase of shares. The promotion applies exclusively to product lines where you do not currently have regular contributions and have not had them in the last 12 months. If you fail to make any of these regular minimum contributions you will not receive the bonus. First year: 5%. Second year: 2%. Monthly settlement on the total accumulated net balance: sum of regular contributions made to investment funds, pension plans, EPSVs, PIAS and shares, minus redemptions from investment funds with declared regular contributions and external transfers of investment funds, pension plans, EPSVs, PIAS and shares with declared regular contributions. The maximum bonus-bearing balance is €1,000. The following is an example for a regular monthly contribution of €100 to an investment fund over the course of 24 months. Total first year bonus: €31.26 gross. Total second year bonus: €20.04 gross.
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Show/Hide legal textBasic information about data protection. Bankinter Seguros de Vida, S.A de Seguros y Reaseguros will process your data for the following purposes: (i) in compliance with legal obligations; (ii) for the comprehensive and centralised management of your insurance contract; (iii) to ask doctors and healthcare providers to supply the data and medical history required to prepare the contract and protect your interests; (iv) to analyse and develop profiles to ensure the correct execution of the insurance contract; and (v) to contact you with information about products or services that may be of interest to you since they are similar to the ones you already have with us. To be able to inform you about the products and services mentioned above, we will analyse your personal data to create a profile that will allow us, by whatever channel we may use to reach you, to tailor our commercial announcements as closely as possible to your needs, tastes and preferences. Please also refer to the additional information about data information published by Bankinter Seguros de Vida, S.A de Seguros y Reaseguros.