Only for the account
1 /6
This number indicates the product risk, where 1/6 represents the least risk and 6/6 the greatest risk.
Bankinter, S.A. is a member of the Deposit Guarantee Fund of Credit Institutions of Spain. The maximum amount currently guaranteed by this fund is €100,000 per depositor.
Each investment fund has its own risk flag, which may be higher.

Yes, they do win.

With the Bk Mini account just concentrate on saving.

Who is it for?

Account for children from birth to age 7.

Monthly income

No monthly income required.

And last but not least

No need to set up any direct debits.

5% Plan2


If they grow, so will their savings.

A Bankinter idea to make saving easier and, above all, to save more. A plan that rewards you for the contributions you make each month from the Bk Mini account to investment funds, with at least 50 euros per month and up to maximum of 1,000 euros.

  • Up to 5% AER per month for the first year
  • Up to 2% AER per month during the second year
  • Monthly interest payments

Let's learn together.

As well as all the usual Bankinter services, you'll be able to access a special range designed for Bk Mini account holders.

Money Town

A fun financial education game to learn basic concepts such as how to save and spend responsibly. Simulate personal financial situations and find out the consequences of your decisions.

Find out more

See Bk Mini conditions Bk Mini conditions

Terms and conditions

The BK Mini account is designed for people living in Spain between the ages of 0 and 17. The parents or legal guardians will apply to open the account.

  • The same person may only hold one BK Mini account.
  • This account does not bear interest or have a maintenance fee.
  • Free domestic transfers through
  • Debit card which is free, but not compulsory.
  • Fully operational account: with full liquidity, payments, collections, etc. If you arrange to pay direct debits, they must be connected with the child’s expenses.


What documents do I need to open a BK Mini Account?

Children younger than 14 will need a photocopy of their ID card, or Tax ID number issued by the Tax Agency. This document is used to identify the minor until he/she reaches the age of 14, after which the ID card will be needed. In either case, the family book (libro de familia) will also be necessary.

Can I open a BK Mini account for a child if he/she is not my child?

You can only open it if you are the child's legal guardian.

What happens to the BK Mini account when the child turns 18?

The account will automatically become a BK Youth account, with the same account number and the same features. You will not have to change direct debits. All you'll need to do is sign to give consent and ask for the remote banking passwords that you (as an adult) will use to access these services.

Do I have to pay bills by direct debit?

No, you don't have to, though you can if you want to, as long as the bill has some connection to the child's expenses.

Can a minor have a debit card?

Minors cannot be debit card holders except if they are emancipated (from age 16). However, parents or legal guardians may ask for a beneficiary card based on theirs, and may set limits on the use of it.