For accounts only
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.
Applies to currency accounts
6 /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.

VIP AREA (FOR VERY IMPORTANT SMEs)

If you're an SME, we know what really matters to you.

The VIP Area offers SMEs global solutions designed to facilitate the day-to-day running of your business, including administrative and bureaucratic procedures, and, of course, to save you money.
  • Fair treatment: you pay according to the volume of your transactions.
  • A global response to the needs of SMEs.
Área VIP Bankinter Empresas

Do you have two minutes?

We'll explain the basics quickly and simply.

The more you use, the less you pay

What could be more important for an SME than this?

Financial products for free or next to nothing.

In the VIP Area, the cost of everyday products such as the account, cards, POS and SEPA debits are priced according to the volume of your transactions. In other words, you get fair treatment.

Free legal service1

Your company will get free legal advice over the phone on everything related to your business: document checking, wording of important information, contracts, fine appeals, negotiations and legal assistance in certain lawsuits brought by third parties.

KPMG Impulsa

A comprehensive accounting, tax, commercial and labour service to help you manage your company digitally and more efficiently. And as a Very Important SME, you'll get a 10% discount on the fee.

Discount of up to 10%2 on insurance.

Your company will get a 5% discount on the first year premium for life, multi-risk and civil liability insurance. The discount will rise to 10% on the first year premium for the second and subsequent policies.

Currency broker3

A unique product for foreign exchange transactions in real time, 24 hours a day, five days a week, in 25 different currencies.

An entire bank specialised in SMEs

Naturally, you'll have access to all our tools and services, but more importantly you'll have a human team to rely on: a personal manager, advice on transactional business and specialist advice on international business.

How to access the VIP Area

To access the VIP Area and unlock special rates for our financial products, you need to meet certain operational requirements.

Collections

As simple as collecting more than €60,000 per quarter through any transaction other than cash.

Payments

You must carry out at least three of the following payment transactions per quarter:

  • Social security (1 per quarter)
  • Tax (1 per four-month period)
  • 2 direct debits other than social security and tax
  • Payroll payment of at least €600 (2 per quarter)
  • Debit by Bankinter Reverse Factoring (1 per quarter)
  • Charges for payment abroad, at least one per quarter (SEPA transfer, swift payment, import letter of credit payment or import remittance)

And these are the financial conditions for your company

The VIP Area offers SMEs global solutions designed to facilitate the day-to-day running of your business, including administrative and bureaucratic procedures, and, of course, to save you money.
  • VIP account with a maintenance fee of €5/month.4
  • Online national transfers €0. 5
  • Online cheque deposits €0.
  • SEPA direct debit €0.50 per bill.
  • POS with €0 maintenance fee and discount rate of 0.50% if your quarterly POS invoicing exceeds €12,500. 6
  • Free Visa card (without issuance and maintenance fee) if you spend more than €1,500 in the three months prior to each monthly review. 7