We use first and third-party cookies for analytical and statistical purposes and to show you personalised advertisements based on a profile compiled from your browsing habits (e.g. pages visited). For more information, click on our Cookie Policy. You can accept all cookies by pressing 'Accept' or personalise your choice by clicking on MANAGE OR REJECT COOKIES.
Only for the accounts
If they are retired
35 years of work with 11,725 early mornings and 1,820 Monday slogs.
You have earned it. This is the average working life in Spain. Daily life accumulating as the days pass until, finally, you get your well-deserved rest: retirement. This page offers products and services so that this stage when you have more time will always mean more of everything, not less.
Pension plans2: capital, income or mixed. Understand the redemption options.
Calculate redemptionProfiled funds3
Funds profiled in terms of their expected returns and willingness to assume risk, enabling investment in assets and the funds of other domestic and international managers.
- You don't need to invest very much: you can invest from just €20.
- You can organise your investment through a regular investment plan.
Conservative
If you're looking to achieve your objectives little by little, with a low level of risk. The value of investment funds can go down as well as up, you may get back less than you invested.
Low expected return
Low potential risk
Dynamic
If you're looking for a balance between return and risk and are willing to increase the percentage of your investment in equities. The value of investment funds can go down as well as up, you may get back less than you invested.
Medium expected return
Medium potential risk
Aggressive
If your main objective is to grow your wealth, even if it means assuming a high risk. Remember, the value of investment funds can go down as well as up.
High expected return
High potential risk
Stock market course
More time, more knowledge, more opportunities to invest.
Need new motivation? Why not learn or enhance your knowledge about investing in the stock market? Those are the objectives of our Broker Academy, offering our customers the training they need to trade in the equity market. This market opens up better opportunities for our money.
- Free courses for learning to invest and trade in the stock market.
- Suitable for all levels of stock market knowledge.
- Face-to-face, online and streaming sessions.
- Programme based on continuous and sequential learning.
A complete training programme complemented by a range of events to discuss and expand on the knowledge acquired: masterclasses, webinars and forums.
Real estate portal
New projects, more options. Time to move house now there is too much space? Back to the country? To the beach? Investment in a business or a garage? It is time to plan, to look for new motivation, new ways to get a return on the capital obtained. Bankinter's real estate portal offers a wide range of properties. Over 1,000 properties available in Spain and Portugal.
Services that help you
Account management
Solutions to help you simplify and personalise how you manage your finances and those of your elderly relatives.
- Online registration and management of authorised parties.
- Creation of groups based on the type of ownership or the people with whom you share the accounts: parents, siblings, etc.
- Selection in the global position on the website and app of the accounts you want to see: those you share with another person or the accounts for which you are the guardian, authorised party, etc.
Estate administration
When that thing happens that we never want to happen, we offer a comprehensive service for managing the deceased's positions with Bankinter.
- From the start of the process through to distribution to the heirs.
- A single legal advisor for the whole process.
- With the highest management flexibility.
- With the least number of trips.
Authorise your loved ones to see and manage your accounts
100% online, 100% customisable.
Important information
-
Show/Hide legal text1 5% Pension Account:Valid until 12.31.2021 for new customers and existing customers with a monthly pension of at least €800 that is not currently paid into a Bankinter account. Customers must be individuals resident in Spain who have not already benefited from this remuneration, or who are not and have not been holders of a Salary/Pension/Business account at Bankinter in the 12 months before opening this account. Customers may only hold one interest-bearing account and a maximum of two bonus current accounts. For these purposes, a bonus current account means 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 amount: €5,000. First year: nominal annual interest rate of 4.94% (5% AER). 2nd year: 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 a settlement 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 take advantage of and to maintain the benefits of our Salary/Pension/Business Account, you need to maintain the declared level of income and have at least 3 direct debits per quarter. The card linked to the salary account must also be active, which means that you have to use it at least three times per quarter. For the pension account, no purchases with the linked card are 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.
-
Show/Hide legal text2 Bankinter Pension Plans: Key information document for unit holders available at any Bankinter branch and on bankinter.com.
-
Show/Hide legal text3 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.