Multi-currency credit account
The same credit. The same account. Different currencies.

Multi-currency credit features
See Multi-Currency Credit Account Conditions Multi-Currency Credit Account Conditions
The Multi-Currency Credit Account is available to both resident and non-resident legal entities.
Apply
The credit facility is formalised in euros and can be used with any of Bankinter's listed and convertible currencies upon prior notification.
Types
The credit facility can be used as credit, with flexibility in repayments, or as forward drawdowns, although you can combine both types to suit your needs and cash flow.
Interest rate
Whether the facility is used as credit or for forward drawdowns, you can choose between a variable or fixed interest rate, customising it according to the currency you want to use.
Interest settlement
- Credit and debit interest on credit is settled the same day.
- Forward drawdowns in both euros and currencies are settled on the due date and debited to the credit tranche of the currency.
See FAQs FAQs
Can I use a multi-currency credit account for direct debits and deposits?
Yes, it works just like a normal credit account.
If I have balances in currency, does it raise my available credit balance in euros?
No, currency balances are not offset against debit balances in euros.
Is shared ownership possible?
Yes, it's possible, although there can never be resident and non-resident holders in the same policy.
What's the difference between the “policy exchange rate” and the “market exchange rate”?
Policy exchange rate refers to the exchange rate the Bank applies to drawdowns in foreign currency during a given year for the consumption of the policy risk limit. Market exchange rate refers to the price of currencies in the foreign exchange market.
Are market exchange rates taken into account for consumption of the limit?
No, only historical or policy exchange rates that remain in effect for 12 months.
When does the price of currencies change (policy or historical exchange rate) for loans?
Once a year, 15 days before renewal.