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.

BK Discounts

The BK Youth account gives you direct access to our exclusive discounts programme in the main brands.

5% Plan2

A good plan for your savings.

A Bankinter idea to make it easier to save and for you also to get a good yield. Every month that you pay at least €50 into an investment fund from your Bk Joven account, you will get an extra yield. If you are unable to save one month, then no worries, you don't need to under Plan 5%.

  • Up to 5% AER per month for the first year
  • Up to 2% AER per month during the second year
  • Maximum interest-bearing amount: €1,000
  • Monthly interest payments
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Always there, however you want.

We offer multiple ways to bank with us, so you can go at your own pace rather than ours.

14,000 fee-free ATMs3

This way you’ll never have to pay any fees when you take out money. Our App will tell you which ATM is closest to you: one of ours or one of the associated banks.

All your banking needs on your mobile

Use our intuitive and secure website and App to make queries and perform transactions from wherever you are.

Mobile payment

With Bk Joven, you can use all the payment platforms and tools such as BK Wallet or Apple Pay through your mobile.


Bizum lets you send and receive funds from your mobile. Imagine you want to pay your share of a joint birthday present... It couldn't be faster or easier. Best of all, it's free!
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See Bk Youth terms and conditions Bk Youth terms and conditions

Terms and conditions

You can open a Bk Youth account if you are resident in Spain and aged between 18 and 24 years old, and do not already have a Bk Youth account.

  • This is not an interest-bearing account and has no maintenance fees.
  • Free national transfers through
  • Free debit card.
  • Fully operational. You have total liquidity, you can make payments, collections, pay bills by direct debit, etc.


What documentation do I need to open an account?

All you need to provide is a valid ID card.

What benefits will I get with the Bk Youth account?

The account is completely free of charge, without any conditions or fees. Transfers online and through the app are free. You can also apply for a free debit card to make mobile payments through Bankinter Wallet or Apple Pay and withdraw cash free of charge at more than 14,000 ATMs.3

Plus, as a holder of this account you can unlock BK discounts for selected brands and shops for young people.

Do I have to pay in a minimum amount?

No, to open a Bk Youth account you only need to be between 18 and 24 years old and live in Spain.