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Bankinter business cards

Bankinter Business cards, for your payments and for much more:

  • Help with cost control.
  • Avoid cash advances.
  • Make credit card cash withdrawals.

For all business payments

Tarjeta Visa Bussines Clásica

Classic Business Visa Card

  • Credit limit up to €6,000.
  • Travel accident insurance, both for the company and for the holder, up to €300,506.05.
  • Dishonesty insurance for the company, in the event of dishonest use by the card holder.
Tarjeta Visa Business Oro

Business Visa Gold Card

  • Credit limit up to €12,000.
  • Travel accident insurance, both for the company and for the holder, up to €751,265.13.
  • Dishonesty insurance for the company, in the event of dishonest use by the card holder.
Bankinter Business credit cards are issued with the “end-of-month” payment method, in other words, all card payments will be charged to the account, in a single payment, at the beginning of the following month. Although, if you prefer, you can change the payment method.

Smart Services for Bankinter Business cards

Smart Services allow you to tailor your company's cards to your needs. You can register any of the services through your branch or through telephone banking.

Smart Cash

Do you need liquidity in your business account? Smart Cash lets you transfer funds from your card to your current account.

Limit management

Adapt your business card limits to your needs, increasing or decreasing them at any time.

Compra Smart

With Compra Smart you can spread the cost of your purchases, for an amount equal to or greater than €90.
VIA-T

Via T card

A specific card for toll payments.

  • Perfect for companies that own fleets or have transport needs.
  • Better cost control.
  • One payment at the end of the month.

ATM locator

Need cash in an emergency?
It doesn't happen often but sometimes you need to pay for something and you can't pay with your card. For those times when you need to withdraw cash you can find your nearest ATM. You can find one using the website or app.
find ATM

Mobile payments

All your Bankinter Business cards also on your mobile phone.
Whatever the terminal, you can use your card to pay conveniently from your mobile: Apple Pay, Samsung Pay or Google Pay.
Find out more about mobile payments

Ver Classic Business Visa Conditions Classic Business Visa Conditions

Issue and maintenance fee

60 euros annually.

Payment method

The Classic Business card is issued with the end-of-month payment method, which can be changed it at any time to the deferred payment method (revolving).

Limits

For credit drawdowns, the spending limit is €6,000 per day and month; for credit withdrawals from ATMs, the limit is €300.51 per day up to a maximum of €6,000 per month.

Credit card cash drawdowns

There is a 4% fee for credit drawdowns, with a €3 minimum.

Using the card abroad

There may be a fee for using international networks for purchases or ATM withdrawals outside the eurozone.

Linked insurance

  • Travel accident insurance
    Every time you pay for public transport tickets using your Classic Business Visa card, the holder and up to 5 additional people are considered insured persons, and they are eligible for accident insurance of up to €300,506.05.
  • Employee dishonesty coverage
    This insurance covers the companies that hold the Classic Business Visa card against dishonest acts by employees in possession of such cards, for example, purchasing unauthorised goods or services. The maximum guaranteed compensation is €1,202.02, with an aggregate limit per Company of €60,101.21. An excess of €150.25 will be deducted in each claim from the amounts used to purchase goods and services. An amount of €150.25 will also be deducted from charges made for cash withdrawals.

Ver Business Visa Gold Card Conditions Business Visa Gold Card Conditions

Issue and maintenance fee

90 euros annually.

Payment method

The Business Gold card is issued with the end-of-month payment method, which can be changed it at any time to the deferred payment method (revolving).

Limits

For credit drawdowns, the spending limit is €12,000 per day and month; for credit withdrawals from ATMs, the limit is €1,000 per day up to a maximum of €12,000 per month.

Credit card cash drawdowns

There is a 4% fee for credit drawdowns, with a €3 minimum.

Using the card abroad

There may be a fee for using international networks for purchases or ATM withdrawals outside the eurozone.

Linked insurance

  • Travel accident insurance
    Every time you pay for a public transport ticket using your Business Visa Gold, you are eligible for accident insurance of up to €751,265.13. The insured persons are the holder and up to 5 additional people.
  • Medical insurance for travellers abroad
    It also includes coverage for illness, surgery, hospitalisation or repatriation if necessary, with a €6,000 limit (and €9 excess).
  • Travel assistance insurance
    This insurance includes coverage for lost or delayed luggage checked through an airline, with a €600 limit, and coverage for a delayed or cancelled flight, again with a €600 limit, as long as you paid for the tickets using your card.
    Both the medical assistance insurance and the travel assistance insurance cover the holder and anyone else whose trip was purchased using the above card, with no limit on the number of persons.
  • Employee dishonesty coverage
    This insurance covers the companies that hold the Bankinter Business Visa Gold card against dishonest acts by employees in possession of such cards, for example, purchasing unauthorised goods or services. The maximum guaranteed compensation is €6,101.12, with an aggregate limit per Company of €60,101.21. An excess of €150.25 will be deducted in each claim from the amounts used to purchase goods and services. An amount of €150.25 will also be deducted from charges made for cash withdrawals.

Ver FAQs FAQs

How can I activate my cards?

You can call 91 050 01 08, go any Bankinter branch or use any of our ATMs.

What is the CVV?

Credit and debit cards use a cryptographic configuration commonly known as CSC (Card Security Code), CVV, (Card Verification Value), CW2, CVC2 or a CID number to provide maximum security for online payments and cut down on fraud. It is used to confirm that the person using the card has it in his possession. This code is secure as it is printed on the card and is not encrypted on the metallic strip or NFC (contactless) chip. This means it cannot be read or scanned by a device to replicate the data.

This security code consists of 3 or 4 numbers that you can find on the back of VISA or MasterCard cards.

What does contactless mean?

A contactless card is one that you just need to place near the terminal, not inside it. Also, you always need to use your PIN for purchases over 50 euros. The system will ask you to enter your PIN for every 3 transactions of less than 50 euros. You also need your PIN to take money out of ATMs.

My card is about to expire. How can I get a new one?

All cards are issued with an expiry date. At least 30 days before that date, we will send you a new one to your home address, so you can always use this payment system.

Can I register my card on a mobile payment platform?

Yes, all our cards can be added to all mobile payment platforms, regardless of the terminal's operating system: Apple Pay, Google Pay or Samsung Pay.

If a beneficiary holder wants to register their card, the main holder must first sign the annexe to the mobile virtual card contract. All the information you need can be found via this link.

When will the bill be debited from my bank account?

The amount on each Bankinter Business card and Via T card will be debited from the linked account between the 1st and 5th of the following month.

What is authorised balance?

It is the sum of authorised operations that have not yet been included in your monthly statement.

What is an authorisation?

These are the transactions that you have carried out and which reduce the amount available on your card but which have not yet been included in your statement. Once the authorised transaction is shown on your card statement, the authorised balance is automatically reduced and the available balance increased (the available balance remains the same).

What is balance drawn?

It is the sum of transactions that have already been included in the monthly statement. The balance drawn at the end of the month will be the one charged to the linked account.

What is available balance?

It is the amount you still have available to spend during the month. It is the result of subtracting the authorised balance and the balance drawn from your card limit.

What is credit limit?

It is the maximum amount you can spend using your credit card in a month.

What is the direct debit account?

It is your business account from which your monthly card transactions will be debited, as well as any ATM cash withdrawals you make.

What is payment method?

It is how you can pay the balance you have drawn during the month. This card allows you to choose between an end-of-month payment method and a deferred payment method.

What is the PIN?

PIN is an acronym for Personal Identification Number“”“”.

The bank or financial institution assigns you a PIN when you receive your card for the first time. The PIN is usually 4 digits and you can change it at any time to a number of your choice that is easy to remember.

If you want to change the PIN, you can do so at an ATM that offers this service or at your branch.