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For accounts only
Applies to currency accounts
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.
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
Proceeds
As simple as collecting more than €120,000 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 Plus account with no maintenance fee.8
- Online national transfers €0. 5
- Online cheque deposit €0.
- SEPA direct debit €0.40 per bill.
- POS with €0 maintenance fee and discount rate of 0.40% 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
In person it's simpler
Branch finderUSEFUL INFORMATION
- See general terms and conditions for current accounts
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Desplegar/Plegar texto legal1 Legálitas is the entity responsible for the legal advisory service. This service will be provided under the terms and conditions that Legálitas may have in place at any time, and Bankinter, S.A. will not intervene in or be held responsible for the same. The Bank is unrelated to any issue and/or circumstance derived from or relating to the provision of the services, which in any case are subject to agreements between the Bank and Legálitas remaining in effect. The legal advisory service will not cover any matters or possible issues regarding activity by the customer that may affect their relationship with Bankinter Group companies, subsidiaries or companies in which the Bank has a stakeholding. SEE GENERAL SERVICE TERMS AND CONDITIONS
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Desplegar/Plegar texto legal2 Insurance discount: 5% credit on account of the premium for the first new insurance policy taken out through Bankinter Operador Banca Seguros and 10% credit on account from the second policy onwards (except for credit insurance policies which will remain at 5%). Insurance policies subject to the following promotion: Life Insurance, Multi-Risk Insurance, Third-Party Liability Insurance and Credit Sales Insurance. The credit will be applied to the policy's net premium for the first year, two months after it has come into force and providing payments for the insurance are up to date. The maximum credit applicable to credit insurance in any case will be 5%. Bankinter, S.A., as a BANCASSURANCE OPERATOR with registered office at 29 Paseo de la Castellana (28046 Madrid), recorded in Volume 1857, Folio 220, Page 9643 of the Madrid Companies Register, holder of Tax ID Number A-28157360 and registered with the special administrative registry of the General Directorate of Insurance and Pension Funds at the Ministry of the Economy and Finance (44 Paseo de la Castellana, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, has taken out the civil liability insurance required under Article 152 of Royal Decree-Law 3/2020 of 4 February on urgent measures, which incorporates into Spanish law various directives of the European Union concerning public procurement in certain sectors: private insurance, pension plans and funds, taxation and tax litigation.
The bancassurance operator has entered into insurance agency agreements with the following institutions: Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros, Bankinter Seguros Generales, S.A. de Seguros y Reaseguros, Línea Directa Aseguradora Sociedad Anónima compañía de Seguros y Reaseguros, Plus Ultra Seguros Generales y Vida, S.A. de Seguros y Reaseguros, Liberty Seguros, Compañía de Seguros y Reaseguros, S.A., AXA Seguros Generales, S.A. de Seguros y Reaseguros, Mapfre Global Risk, Cia. Internacional de Seguros y Reaseguros, Mapfre Vida, S.A. de Seguros y Reaseguros sobre la Vida Humana, Mapfre España Compañía de Seguros y Reaseguros, S.A., Helvetia Compañía Suiza, S.A. de Seguros y Reaseguros, HDI Global SE Suc. España, Stonebridge International Insurance LTD, Financial Insurance Company Limited Spain, Financial Assurance Company Limited Spain, S.O.S. Seguros y Reaseguros, S.A., CHUBB European Group PLC, Asefa, S.A. Seguros y Reaseguros, Solunión Seguros de Crédito Cia Internacional de Seguros y Reaseguros, S.A., Sanitas Sociedad Anónima de Seguros, Cigna Life Insurance Company of Europe, S.A. Sucursal en España, Metlife Europe Designated Activity Sucursal en España, D.A.S. Defensa del automovilista y de siniestros-internacional, Sociedad Anónima de Seguros y Reaseguros. -
Desplegar/Plegar texto legal3 Exchange rate risk associated with the currency. You must have an account in every currency you want to trade in. A charge will be made to the account of the currency chosen to make the payment and an deposit will be made to the account of the currency purchased.
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Desplegar/Plegar texto legal4 VIP account: APR -0.20% calculated for an average monthly balance transaction of €30,000 and on the understanding that you comply with the agreed linked product conditions. APR -5.84% calculated for an average monthly balance transaction of €1,000 and on the understanding that you comply with the agreed linked product conditions. Interest settled monthly. Interest rate 0.00%. The VIP Account carries a maintenance fee of €5 per month (€60/year) if payments are recorded for an amount exceeding €60,000 for the selected products: portfolio, cheque deposits, POS, factoring, transfers, foreign collection, export letters of credit or export remittances, and at least three debits for any of the following: social security, tax, payroll, reverse factoring, foreign payment and direct debits (excluding social security payments and taxes). Where the above conditions are not met, a maintenance fee of €10 per month (€120/year) will be charged. APR -0.40% calculated for an average monthly balance transaction of €30,000 and on the understanding that the conditions for applying the €5 maintenance fee are not met in any month. APR -11.36% calculated for an average monthly balance transaction of €1,000 and on the understanding that the conditions for applying the €5 maintenance fee are not met in any month. Interest settled monthly. Interest rate 0.00%. The above APRs are calculated according to the monthly average balance.
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Desplegar/Plegar texto legal5 Transfers: The maximum number of free transfers is 30 per month.
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Desplegar/Plegar texto legal6 The maintenance fee for the POS will be €0 providing the customer has received payments via the terminal for an amount exceeding €12,500 in the three months before each review, and reviews are undertaken monthly. The discount rate applied will be 0.50% for Spanish and 'European' consumer cards, and 1.00% for other cards. Where the POS is associated with the VIP 'Plus' Area, the discount rate applied will be 0.40% for Spanish and 'European' consumer cards, and 1.00% for other cards.
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Desplegar/Plegar texto legal7 The maintenance fee for the card will be €0 providing the customer has a consumption of at least €1,500 in the three months before each review, and reviews are undertaken monthly.
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Desplegar/Plegar texto legal8 VIP Plus account: APR 0.00% calculated for an average monthly balance transaction of €30,000 and on the understanding that you comply with the agreed linked product conditions. Interest settled monthly. Interest rate 0.00%. The VIP Plus Account carries a maintenance fee of €0 per month (€0/year) if payments are recorded for an amount exceeding €120,000 for the selected products: portfolio, cheque deposits, POS, factoring, transfers, foreign collection, export letters of credit or export remittances, and at least three debits for any of the following: social security, tax, payroll, reverse factoring, foreign payment and direct debits (excluding social security payments and taxes). Where the above conditions are not met, a maintenance fee of €15 per month (€180/year) will be charged. APR -0.60% calculated for an average monthly balance transaction of €30,000 and on the understanding that the conditions for applying the €0 maintenance fee are not met in any month. Interest calculated monthly. Interest rate 0.00%. APR -16.59% calculated for an average monthly balance transaction of €1,000 and on the understanding that the conditions for applying the €0 maintenance fee are not met in any month. Interest settled monthly. Interest rate 0.00%. The above APRs are calculated according to the monthly average balance.