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

Plan para ahorrar dinero

The plan that invests in your children.

A Bankinter idea for investing in your children's future. Each month that you contribute at least €50 to an investment fund from the 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.
  • Remember, the value of investment funds can fall as well as rise, so you may get back less than you invested.

For complete peace of mind

Sometimes, educating means setting limits. That’s way we’ve designed this service to help you teach your children about managing money.

Card spending control

Using a card gives your children a sense of independence, but it's also secure because you're the one who sets and changes the limits whenever you want and as many times as you want.

Read-only password

Read-only access to the account on the website and app. An entertaining way for children to learn how a bank account works, with the peace of mind of knowing they can't actually perform any transactions.

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.
Servicios de banca online para jóvenes Bankinter

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 bankinter.com
  • 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.

See FAQs FAQs

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.