Frequently asked questions Bankinter Partner

Useful information

• Legal text, Note: ¹ 5% Salary Account: For new customers or existing customers who are not or have not been holders of a Salary/Pension/Business/Non-Salary/Youth Salary Account in the past 12 months and who have not received any interest on any of these accounts. You can only hold one 5% interest-bearing account and a maximum of two Salary/Youth Salary, Pension, Business and Non-Salary Accounts. To continuing enjoying the benefits of the Salary Account, you must have your salary (amounting to at least €800 per month) paid into the account, pay three direct debits per quarter, and make three payments per quarter with the associated card. Maximum interest-bearing balance: €10,000. 1st year 4.94% NIR (5% AER). 2nd year: 1.99% NIR (2% AER). Interest paid every six months. Example for a daily balance of €10,000 held in a salary account, calculated for an interest settlement period of 180 days (gross return): first six-month period: €243.62; second six-month period: €243.62; third six-month period: €98.14; fourth six-month period: €98.14. Total interest for the first year: €487.24. Total interest (second year): €196.28.
  Offer valid until -. For individuals residing in Spain.

• Legal text, Note: ² If you open a Salary Account, you can have up to two current accounts with no maintenance fee (NIR 0%, AER 0% calculated for a hypothetical daily balance of €10,000 maintained for one year). This offer is available until - for both new and existing customers, and is compatible with all the other benefits of the Salary Account. In order to keep the discount, you must meet the requirements for the Salary Account outlined above.

• Legal text, Note: ³ Valid for friends and family only. It does not apply to employees of the same company. The friends and family you invite will not receive a share of the profits; this is given in full to the customer who made the invitation.

• Legal text, Note: ⁴ Invite a friend: Promotion valid until 30 June 2024 for the first 1,000 new customers who open an account with the bank and meet the activity criteria. (They must pay at least €600 into the account or carry out nine transactions in the last three months.) The campaign is aimed at individuals living in Spain who have never previously benefited from this remuneration, and the recommender or existing customer must be a Partnet branch employee. The promotional code delivered by the entity may not, under any circumstances, be shared on online platforms (social networks or internet platforms). If it is, inappropriate use of the promotion will be understood to have taken place and Bankinter will cancel the code. The payment of €50 to both the friend and the existing customer will be made the day after the minimum activity requirements are met. The recipient will be required to pay the relevant taxes on the gift as well as any tax withholding or payment on account that Bankinter may be legally required to make. Payments received qualify as monetary income subject to tax withholding and payment on account. As monetary income, the withholding tax base will be calculated by increasing the acquisition value or cost for Bankinter by 20%. Bankinter will carry out the withholding and payment on account in accordance with applicable law. If the terms and conditions agreed in a commercial offer are not met and you therefore have to return all or part of the sums already settled, your account will be debited for the gross amount that you received. All of the above is without prejudice to any specific tax law and regulations in effect in Navarre and the Basque Country. This promotion cannot be combined with any other offers or promotions.

• Legal text, Note: ⁵ Risk Life Insurance: Offered by Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros Life Insurance and sold by Bankinter, as the related BANCASSURANCE OPERATOR, with registered office at Paseo de la Castellana, 29 (PC 28046), entered in the Madrid Companies Register under Volume 1857, Sheet 220, Page 9643, with Tax ID Number (CIF) A-28157360 and entered in the Special Administrative Registry of the General Directorate of Insurance and Pension Funds under the Ministry of the Economy and Finance (Paseo de la Castellana 44, 28046 Madrid), http://www.dgsfp.mineco.es, under the bancassurance operator code OV-0028, which 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, and taxation and tax litigation. The bancassurance operator has entered into insurance agency agreements with the institutions specified in the following link.
  

• Legal text, Note: ⁶ Bankinter pension plans: The key information document for unit holders is available at bankinter.com. The Pension Plan Promoter is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The Pension Fund Manager is Bankinter Seguros de Vida, S.A. de Seguros y Reaseguros. The depositary of the pension funds is Bankinter, S.A.
  

• Legal text, Note: ⁷ Investment funds: Fund manager: Bankinter Gestión de Activos. Guarantor and depositary: Bankinter, S.A. The prospectus and key investor information document are available at all Bankinter branches, on our website BANKINTER.COM and on the website of the Spanish National Securities Market Commission (www.cnmv.es). The fund manager of the IIC is Bankinter Gestión de Activos, S.A., S.G.I.I.C., located at Calle Marqués de Riscal 11 bis and registered with the CNMV under registration no 55. The fund’s depositary is Bankinter, S.A., located at Paseo de la Castellana 29 and registered with the CNMV under registration no 27.