Bankinter reinforces its commitment to innovation with a fully digital global wealth management service
The Bank is launching a new service model for its wealth management business, aimed at a more sophisticated, autonomous and tech-savvy type of customer, with an offering that combines personalisation, instant access and expert advice.
The new service incorporates tools such as online meetings with an advisor using screen sharing, a financial planning tool, digital subscription to investment proposals, and access to a wide range of financial products.
Bankinter has taken a further step in transforming its wealth management model with the launch of a digital service that will be progressively rolled out to all customers and is designed to meet the evolving needs of this business and the demands of an increasingly tech-savvy, autonomous and global customer profile.
This is an evolving project that lays the foundations for a new relationship model between the Bank and its wealth management customers, enabling them to access a comprehensive digital wealth management service that can be entirely remote for customers who do not require in-person interaction. At the same time, these new digital capabilities are designed to complement the traditional model, so customers who choose a face-to-face relationship have tools to enrich their experience and enhance their analysis and decision-making abilities.
As part of a strategic focus on technology as a driver of growth, the initiative responds to an increasingly evident trend in the world of private banking: the growing preference among customers for more flexible, accessible models of relationship tailored to their lifestyles. Fifty-two per cent of Bankinter's wealth management customers already regularly use the Bank’s digital channels, with an average of 2.8 million monthly accesses to the website and app, and a growing volume of transactions carried out through these channels.
The new service retains the core principles of Bankinter’s traditional model for this customer segment—founded on expert guidance, personalised attention and global wealth management—and transfers them to a digital environment that enables much more agile interaction without sacrificing personalisation or quality of service.
The customers targeted by this new service combine a high level of financial knowledge with a clear preference for immediacy, flexibility and direct control over their investment decisions. This is a profile accustomed to managing their life in digital environments, with global interests and investments, and a growing demand for tools that allow them to access their wealth any time, anywhere.
To meet these needs, the Bank has developed a digital platform that incorporates comprehensive transactional capabilities for wealth management. The capabilities include the possibility of holding meetings with the private banker via screen sharing, allowing for real-time analysis of portfolios, proposals and scenarios; accessing a financial planner that integrates customers' wealth information and enables them to simulate future scenarios; viewing and adding positions held with other institutions; booking appointments online; and receiving, reviewing and subscribing to investment proposals entirely digitally, thereby reinforcing customers' autonomy in decision-making and streamlining processes while maintaining the support of the private banker if required.
Consistent with the Bank's model, customers have access to a broad range of investment options, including more than 4,000 funds, discretionary management solutions, broker services and other instruments, allowing them to choose the type of service they want at any time: from self-directed investment to independent or non-independent advice and delegated management.
In this context, technology does not replace advisory services, but rather complements and enhances them. The model continues to revolve around the figure of the private banker, who maintains a comprehensive view of customers' wealth and acts as the main point of contact, supported by specialists in areas such as taxation, real estate investment, and financial markets. Customers can therefore decide at any moment the level of interaction they want, combining the autonomy of the digital environment with expert guidance.
Integrated customer wealth management
Bankinter’s wealth management service, aimed at customers with more than one million euros in investable liquid assets, has for years developed a comprehensive value proposition that addresses wealth management from a global perspective, incorporating not only the financial dimension but also real estate investment and alternative investments in the real economy, as well as the fiscal and legal aspects that affect each decision.
On this basis, the new digital service enables the transfer of this global vision to the online environment, providing customers with more complete, informed and accessible management of their wealth. The proposal will evolve to progressively incorporate new capabilities, adapting to customer expectations and reinforcing the Bank’s competitive edge in an increasingly competitive environment.
Bankinter is therefore moving towards a model in which wealth management combines the best of both worlds: the soundness of a global and expert service, and the flexibility of a digital experience that enables customers to access, understand and manage their wealth with greater freedom, any time, anywhere.
As of the end of March 2026, Bankinter's wealth management service manages a volume of 84 billion euros in customer assets.