Bankinter
- Company typePublic
- Founded1965
- HeadquartersMadrid, Spain
- Headcount5,001–10,000
- GTM typeB2B and B2C
- OfferingServices
Bankinter firmographics
Firmographics- Name
- Bankinter
- Legal name
- Bankinter, S.A.
- Website
- http://www.bankinter.com/
- Company type
- Public
- Founded year
- 1965
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Ownership category
- akta.pro rank
Bankinter industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (522110), Depository Credit Intermediation (5221)
- SIC
- National Commercial Banks (6021), State Commercial Banks (6022)
- akta.pro primary industry
- Digital Retail Banking (Online & Mobile) (FSABAAAF)
- akta.pro secondary industries
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE), Credit Cards & Revolving Credit (FSABAAAC), Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Bankinter is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Bankinter business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Net Interest Income: Traditional banking revenue from the spread between lending rates and deposit costs. Bankinter's net interest income was slightly declining (down 1.8% YoY in FY2025) amid falling interest rates, though it remains a core revenue driver. The bank holds €241 billion in customer volumes and maintains strong margins with a 20% ROTE.
- Net Fee and Commission Income: Fee income from asset management, brokerage, and insurance operations. Grew 10.9% year-on-year in FY2025, offsetting net interest income pressure. This stream includes investment fund management fees, brokerage commissions, and insurance distribution revenues.
- Customer Funds Management: Bankinter manages €156.6 billion in customer funds (up 11.3% YoY) including deposits, investment funds, and pension plans, generating management and custody fees across its proprietary and third-party fund range.
- Corporate and Investment Banking: Revenue from financing syndicated deals (e.g., €1 billion financing for Orange's acquisition), structured financing, and international banking services for corporate clients, as well as participation in M&A advisory through investment management platforms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Digital Account: 2.5% AER up to €100,000, no fees, no conditions |
| Subscription | Semi-annual | Salary Account: Up to 5% AER first year, 2% AER second year, max €10,000 |
| Subscription | Monthly | Corporate Plan 0 Account: 3% AER first year, 1.5% AER second year |
| Subscription | Semi-annual | Youth Salary Account: 5% AER for ages 18-30, max €6,000 balance |
| Hybrid | Monthly | Smart Digital Account: Up to 2% AER, dual-pocket structure |
| Subscription | Monthly | Variable-Rate Mortgage: 2.30% NIR first 3 years, Euribor + 0.50% thereafter |
| Transaction based/ take rate | Pay-as-you-go | Broker Cero: €0 commission on domestic market share trading |
| Subscription | Quarterly | Broker Account: 2% AER on cash balance, up to 40,000 accounts |
Go-to-market motion3 records
Distribution channels7 records
Marketing channels7 records
Bankinter product offering
Product offeringCore offering
Bankinter is a Spanish commercial bank offering retail banking, corporate banking, private banking, and investment services. It serves individual customers, businesses, and institutions with checking accounts, savings products, mortgages, personal and business loans, credit cards, asset management, insurance, and capital markets services. The bank operates a multi-channel distribution network combining a branch presence with digital and mobile banking platforms across Spain, Ireland, Portugal, Luxembourg, and the Netherlands.
Product overview
Bankinter is a Spanish banking group offering a comprehensive, multi-channel banking platform organized across retail (individuals), corporate, and investment segments. The core product portfolio spans deposit accounts (Digital Account, Salary Account, Smart Digital Account, Business Account, Pension Account, Youth accounts, Currency Account), payment cards (Credit Card with cashback rewards, Debit Card, Via T toll card, Visa Solidarios solidarity card), mortgages and loans (Variable-Rate and Fixed-Rate Mortgages, Personal Loans), and investment services (Broker platform for equities/ETFs/derivatives, Capital Advisor digital advisory, Roboadvisor, Investment Funds from 200+ managers, Alternative Investments, Fixed Income, Pension Plans). Business banking includes Corporate PLAN accounts, POS terminals, Currency Broker, Factoring, Confirming, International Services, Leasing, Renting, and ICO/EIB credit lines. Insurance products cover life, home, and health. Add-on services include Paga Cómodo split payments, Financial Aggregation, Switch to Bankinter transfer service, Direct Debit Management, and — notably — a Generative AI WhatsApp assistant for customer service (first in Spain), part of the bank's AI First strategy. The product architecture is a unified platform-plus-modules model where core accounts and cards serve as the primary customer acquisition layer, cross-sold with investment, insurance, and business services.
Differentiator
Problem solved
Functional benefit
Brands
- Capital Advisor: Digital investment advisory service with 100% online portfolio management for funds starting from €10,000
- Bankinter Broker
- Bankinter Investment
- Bankinter Corporate
- Bankinter Robo-advisor
- Smart Digital Account
- Digital Account
Products and services
- Personal Current Accounts Day-to-day checking accounts for individual customers, including standard, salary, and non-resident account variants with debit cards and online access.
- Savings and Term Deposits Interest-bearing savings accounts and fixed-term deposits for retail and corporate customers seeking to grow liquid balances.
- Mortgage Loans Residential mortgage products for individuals purchasing primary residences, second homes, or investment properties, with fixed and variable rate options.
- Personal Loans and Consumer Credit Unsecured personal loans, auto financing, and consumer credit lines extended to individual borrowers.
- Credit and Debit Cards Card payment products for individuals and businesses, including debit, credit, and co-branded cards.
- Corporate Banking Services Banking and financing services for businesses including corporate accounts, working capital facilities, trade finance, treasury management, and cash pooling.
- Investment Funds and Asset Management Mutual funds, portfolio management, and discretionary asset management products distributed to retail and institutional investors.
- Brokerage and Securities Services Brokerage, securities trading, custody, and execution services for equities, fixed income, and derivatives.
- Insurance Products Life, home, auto, and health insurance products distributed through the bank's channels, often bundled with banking accounts.
- Online and Mobile Banking Platform Digital banking platform providing account access, payments, transfers, investment execution, and product origination for retail and corporate customers.
- Wealth Advisory and Private Banking Personalized wealth advisory, portfolio management, and tax planning services for high-net-worth individuals.
Quantifiable outcome
- Bankinter achieved record net profit of €1.09 billion in FY2025, up 14.4% YoY — the first time exceeding €1 billion in its 60-year history
- +4 more outcomes
Companies that use Bankinter
Customer profileNamed customers9 records
Segments4 records
Ideal customer profiles3 records
Bankinter technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability3 records
Feature4 records
Bankinter partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- Tulp HypothekencoreBankinter acquired Tulp Hypotheken, a Dutch mortgage intermediation and financing platform, marking its entry into the Netherlands as its fifth country of operation (joining Spain, Ireland, Portugal, and Luxembourg). The acquisition strengthens Bankinter's core mortgage business and represents strategic geographic expansion into the Dutch market.
- Helia Renovables IV (Joint Venture with Plenium Partners)coreBankinter Investment and Plenium Partners' joint venture Helia Renovables IV closed financing for 130 MW of Spanish solar plants operating under Spain's RECORE remuneration scheme, spanning mainland Spain and the Balearic and Canary Islands. CaixaBank served as lead financing entity with Abanca participating through senior debt structure. The companies also approved a merger of their management companies pending regulatory approval, creating a combined platform managing around €14 billion in assets.
- Qivalis ConsortiumcoreBankinter is preparing to join Qivalis, an Amsterdam-based European banking consortium developing a MiCA-compliant euro-pegged stablecoin targeting H2 2026 launch, pending Dutch Central Bank approval. The consortium has grown to 37 financial institutions across 15 European countries, including ING, BNP Paribas, ABN Amro, Rabobank, Sabadell, and Nordea, positioning itself as a strategic response to dollar-backed stablecoins from Tether and Circle.
- Plenium PartnerscoreBankinter Investment SGIIC completed a merger of its management company with Plenium Partners SGEIC (a leading Spanish independent manager specializing in renewable energy and social infrastructure), resulting in Plenium's parent company taking a 27.5% stake in Bankinter Investment. The combined entity manages over €14 billion in committed capital, creating a leading direct investment platform in the Iberian Peninsula with pan-European expansion ambitions.
- Bit2MecoreBankinter acquired a minority stake in Bit2Me as part of a €30 million funding round (January 2026), joining investors including Tether, BBVA, Telefónica, Inveready, and Investcorp. The partnership aims to explore technological and knowledge synergies in digital assets and Distributed Ledger Technology (DLT) solutions, supporting Bit2Me's expansion across the EU and Latin America. Bit2Me holds Spain's first MiCA license from CNMV.
Scale indicators13 records
Recent moves10 records
Expansion highlights6 records
Bankinter competitors and assessment
Company assessmentDirect peers
- BBVA: Spain's second-largest bank with overlapping retail, corporate and digital banking products. Competes head-to-head with Bankinter in Spain and Ibero-America, and co-invested alongside Bankinter in Bit2Me.
- CaixaBank: Largest Spanish retail bank by domestic customers. Competes directly with Bankinter on retail deposits, mortgages and corporate banking and is a frequent co-lender in Spanish syndicated deals.
- Banco Sabadell: Mid-sized Spanish universal bank with a similar SME/corporate focus and a comparable digital push. Joins Bankinter in the Qivalis euro-stablecoin consortium and shares a similar Iberian franchise profile.
- Santander: Largest Spanish bank and Bankinter's principal domestic competitor. Operates retail, corporate and wealth management across Iberia and globally; Universal Bank positioning closely mirrors Bankinter, though at much larger scale.
Regional players
- Bank of Ireland: Largest Irish retail bank and a primary in-market competitor for Avant Money. Direct overlap on Irish retail deposits, mortgage lending and SME banking.
- AIB (Allied Irish Banks): Irish retail and commercial bank operating in the same market Bankinter targets via Avant Money. Comparable product mix (deposits, mortgages, wealth) with similar mass-market and SME segmentation.
- Kutxabank: Basque Country-rooted Spanish savings bank, part of the Qivalis euro-stablecoin consortium alongside Bankinter. Competes for regional retail deposits and corporate relationships in northern Spain.
Emerging players
- Openbank: Santander's digital-only subsidiary targeting European mass-market retail customers with a 100% online account opening and savings products. Direct overlap with Bankinter's Digital Account and Smart Digital Account proposition.
- Revolut: Global digital bank with a fast-growing Spanish retail and payments customer base. Competes for the same digitally native, fee-conscious younger customers that Bankinter targets with its Youth and Digital accounts.
Broad incumbents
- ING (ING España / ING Direct Netherlands): European digital-first incumbent with retail operations in Spain and a major Dutch mortgage franchise that overlaps Bankinter's Tulp Hypotheken business; a key pan-European benchmark for digital retail banking economics.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Bankinter social profiles
Digital presenceBankinter financial estimates
Financial estimateRevenue estimate
Valuation estimate
Bankinter leadership team
Management profileNumber of profiles
Profiles3 records
Bankinter subsidiaries and ownership
Company hierarchySubsidiaries7 records
Bankinter funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Bankinter M&A and investment
M&A and investmentM&A3 records
Investments74 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Bankinter
What does Bankinter do?
Bankinter is a Spanish commercial bank offering retail banking, corporate banking, private banking, and investment services. It serves individual customers, businesses, and institutions with checking accounts, savings products, mortgages, personal and business loans, credit cards, asset management, insurance, and capital markets services. The bank operates a multi-channel distribution network combining a branch presence with digital and mobile banking platforms across Spain, Ireland, Portugal, Luxembourg, and the Netherlands.
Is Bankinter a public or private company?
Bankinter is a public company. It is classified as public and is currently operating.
When was Bankinter founded?
Bankinter was founded in 1965. It employs 5,001 to 10,000 people.
Where is Bankinter based?
Bankinter is headquartered in Madrid, Spain, in the Europe region.
How does Bankinter make money?
Four revenue lines are on record. Net Interest Income is the primary driver. The others are net Fee and Commission Income, customer Funds Management and corporate and Investment Banking.
Who are Bankinter's main competitors?
Direct peers on record are BBVA, CaixaBank, Banco Sabadell and Santander. Regional players are Bank of Ireland, AIB (Allied Irish Banks) and Kutxabank. Emerging players are Openbank and Revolut. ING (ING España / ING Direct Netherlands) is listed as a broad incumbent.
Does Bankinter have an API?
No public API is recorded for Bankinter.
What industry is Bankinter in?
Bankinter's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAF, Digital Retail Banking (Online & Mobile), with a secondary code of FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings). Its NAICS code is 522110 and its SIC code is 6021.