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Only for the account
Each investment fund has its own risk flag, which may be higher.
For your children under 18
Think of them, think of yourself. Hmm... it's the same thing, isn't it?
When we have children, every step we take has a direct influence on their life. That's the deal we make for all those ambitions and satisfactions. It gets to the point where it's hard to differentiate between their lives and our own, because our present is their future.
Save to learn. Learn to save.
When we think about financial planning for our children's future, the first thing that comes to mind is protecting and guaranteeing their education: school, university, a master's course, study abroad...
As adults, we're capable of foreseeing future needs, and inculcating the savings habit in your children from an early age is part of their education. Nothing new about that – generations and generations have grown up with a piggy bank.
- Knowing the true value of money is a crucial lesson, because money will accompany them throughout their life.
- Learning values such as effort and responsibility will make their future spending decisions more considered and less“ impulsive” .
How can we teach our children to save?
Find out more about how to teach your children to saveBk Mini account1
Bk Mini is more than an account
This concept combines parents' saving needs for their children's future with a set of practical and easy-to-use tools and services specially designed to help children, guided by their parents, learn the basics of finance.
- An account for children from ages 0 to 17.
- No maintenance fees.
- Free debit card.
- No minimum income or direct debit requirements.
- 5% Plan,2, the plan that rewards your contributions to funds.
- Bk Discount Programme.
Learn with the best school: experience:
That's what they say and, as is usually the case, they're right. Which is why our Bk Mini includes three services. Three services for your children to have real, direct contact with their finances but with the security and control appropriate to their age.
Read-only passwords
Read-only passwords introduce your children to the financial environment by letting them view their account online but not carry out any transactions.
Card spending control
With this service, your children under 18 can use their card for their expenses but you'll set the limit, so you won't need to worry.
Transfer pocket money
Automate their pocket money and send it directly to their Bk Mini account weekly, monthly or however often you want. It will teach them how to manage their money.
Plan your future with a little help
A good incentive: 5% Plan2
A Bankinter idea that rewards the contributions to investment funds from the Bk Mini account:
- For every month that at least €50 is contributed to an investment fund from a Bk Mini account, we'll pay a monthly bonus into the account.
- An annual 5% the first year and an annual 2% the second year on the balance accumulated in the investment fund, up to a maximum of €1,000.
A good method: Regular investment plan
All you have to do is define your plan: decide an amount and then set up automatic contributions to your investment funds. And if your needs change, just change your plan. It's that simple.
¿Cómo ahorrar para el futuro de tus hijos?
Saber más sobre cómo ahorrar para el futuro de tus hijosMoney Town
Money Town, a fun way to learn
Money Town is a free financial education game to learn how to manage money responsibly as well as basic concepts such as saving and spending, understanding a bill, relationships with banks, etc. Virtual learning based on real life.
- They'll be able to calculate their personal economy.
- And they'll learn the consequences of the decisions they make.
Bk Discounts, more savings thanks to Bk Mini.
Bk Discounts is portal that offers you the same for less. You'll find discounts for multiple leading brands and products, including fashion, electronics, sports, leisure, and much more.
Important Information
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Show/Hide legal text1 Bk Mini Account. The Bk Mini Account does not bear any interest or maintenance fee. NIR: 0% (AER: 0%).To be eligible for a Bk Mini Account, you must be no older than 17 when you open it or for the duration of the account. Only one Bk Mini Account is permitted per holder (0-17 year olds).
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Show/Hide legal text2 5% Plan:To activate the 5%-2% Plan you must be the holder of aBkMini orBkYouth 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 2021.
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.