What Bankintercard does

Bankintercard is the consumer finance brand of Bankinter Consumer Finance, E.F.C., S.A.U., a wholly-owned subsidiary of the publicly listed Spanish banking group Bankinter, S.A. The company operates as a Hybrid Payment Entity (Entidad de Pago Híbrida) registered with the Banco de España under number 8832 and as a tied insurance operator (OV-0079), with its registered office in Alcobendas, Madrid, and a branch in Lisbon, Portugal. Its product offering centers on two lines: personal loans ranging from €4,000 to €30,000 over 24 to 120 months across seven use cases (general purpose, vehicle, home renovation, education, vacation, wedding, and energy efficiency), and a portfolio of revolving credit cards with limits up to €5,000 distributed through co-branded partnerships with Air Europa, MAPFRE, Línea Directa Aseguradora, and Moeve (formerly Cepsa).

The business is built around a 100% online application process with no physical branches, supported by an iOS/Android mobile app, PSD2-compliant Strong Customer Authentication (two-factor SMS plus PIN), and integration with Apple Pay, Google Pay, and Samsung Pay. Revenue is generated primarily through interest income on revolving credit card balances (rates of 13.58% to 20.55% T.I.N.), personal loan interest (4.45% to 12.49% T.I.N.), transaction and card maintenance fees, and an optional Payment Protection Insurance plan priced at 0.75% of outstanding balance per month, underwritten by AXA France Vie and AXA France IARD.

Go-to-market combines direct-to-consumer digital acquisition (self-serve web and mobile application, no requirement to be a Bankinter account holder) with channel partnerships via co-branded cards. The primary customer base is Spanish residents seeking personal financing for everyday liquidity needs, supplemented by vertical segments such as frequent Air Europa travelers, MAPFRE insurance policyholders, Línea Directa customers, and Cepsa/Moeve fuel customers acquired through partner ecosystems. Customer service is delivered through a Spanish-language phone line (900 811 311) and the bank's regulated complaint-handling infrastructure.

Name

Bankintercard

Legal name

Bankinter Consumer Finance, E.F.C., S.A.U.

Website

https://bankinterconsumerfinance.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Bankintercard is the digital consumer finance arm of Spanish bank Bankinter, offering online personal loans (€4K-€30K) and co-branded revolving credit cards to Spanish and Portuguese consumers through direct online channels and partner brand ecosystems including Air Europa, MAPFRE, Línea Directa, and Moeve.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Consumer Lending (522291), Credit Card Issuing (52221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Balance Transfer & Low-APR Credit Cards (FSAKABAI)

Keywords

• Consumer lending
• Personal loans
• Credit cards
• Consumer finance
• Digital lending

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Marketing or Sales, Personnel, Others

Revenue model

1. Revolving Credit Card Interest: Revenue generated from interest charges on revolving credit card balances. Customers who choose Pago Aplazado (installment payment) pay interest on outstanding balances. Interest rates range from 13.58% T.I.N. (for cash withdrawals) to 20.55% T.I.N. (for purchases and transfers). This is the primary revenue driver for the card products.
2. Personal Loan Interest: Interest income from personal loans disbursed for various purposes (car, home reform, studies, vacation, wedding, energy efficiency). Loan amounts range from 4,000€ to 30,000€ with terms of 24-120 months. Interest rates from 4.45% T.I.N. (minimum) to 12.49% T.I.N. (maximum).
3. Credit Card Fees: Various fees including: annual card maintenance fees (ranging from 24€ to 48€ depending on card type), cash withdrawal fees (4% of amount, minimum 3€), fund transfer fees (4% in Pago Fin de Mes), and over-limit commissions (20€). Also includes 3.19% T.A.E. commission in Pago Fin de Mes mode for certain cards.
4. Payment Protection Insurance (PPI): Revenue share from the optional Plan de Protección de Pagos (Payment Protection Insurance), priced at 0.75% of outstanding balance per month. Mediated by Bankinter Consumer Finance as tied insurance operator (OV-0079) and underwritten by AXA France Vie and AXA France IARD.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Bankintercard offers 100% online personal loans (amounts from €4,000 to €30,000, terms 24-120 months) and revolving credit cards (limits up to €5,000) to individual consumers in Spain. The product range includes purpose-specific personal loans (general, car, home renovation, education, vacation, wedding, energy efficiency) and co-branded credit cards distributed with partners Air Europa, MAPFRE, Línea Directa Aseguradora, and Moeve/Cepsa.

Product overview

bankintercard is the consumer finance brand of Bankinter Consumer Finance, E.F.C., S.A.U., a Hybrid Payment Entity registered with the Bank of Spain under number 8832. The offering consists of two interconnected product lines: (1) personal loans covering multiple use cases — Préstamo personal (general purpose), Préstamo coche (vehicle financing), Préstamo reformas (home renovation), Préstamo estudios (education), Préstamo vacaciones (travel), Préstamo bodas (wedding), and Préstamo eficiencia energética (energy efficiency upgrades) — all featuring amounts up to 30,000 euros, repayment terms up to 120 months, and 100% online application with no opening commission; and (2) a portfolio of credit cards including Tarjeta VISA Air Europa SUMA (travel rewards co-branded with Air Europa), Tarjeta Club MAPFRE (insurance loyalty co-branded with MAPFRE), Tarjeta Línea Directa Aseguradora (insurance savings co-branded with Línea Directa), and Tarjeta Mastercard Moeve gow (fuel and retail rewards co-branded with Moeve/Cepsa), all issued on the Bankinter Consumer Finance platform with revolving credit up to 5,000 euros and multiple payment modalities. These products are accessed through the App bankintercard mobile application and support mobile wallet payments via Apple Pay, Google Pay, and Samsung Pay.

Differentiator

Problem solved

Functional benefit

Brands

• bankintercard: Consumer lending and credit card brand of Bankinter Consumer Finance, E.F.C., S.A.U., offering personal loans and credit cards.

Products and services

• Préstamo personal (Personal Loan) General-purpose unsecured personal loan for any purpose, with amounts from €4,000 to €30,000, terms of 24-120 months, and interest rates from 4.45% TIN (4.54% TAE min) to 12.49% TIN (13.23% TAE max). No opening commission when using the 100% online application process. Available to individual consumers resident in Spain.
• Préstamo coche (Car Loan) Financing product for purchasing new or used vehicles, with amounts up to €30,000, repayment terms of 24-120 months, and no opening fees when applying online. Available to individual consumers in Spain.
• Préstamo reformas (Home Renovation Loan) Home renovation loan for housing rehabilitation projects, offering up to €30,000 with repayment terms up to 120 months and no opening costs for fully online applications.
• Préstamo estudios (Education Loan) Education financing for university, postgraduate, or master's studies, providing up to €30,000 with flexible repayment up to 120 months and no requirement to present enrollment documentation.
• Préstamo eficiencia energética (Energy Efficiency Loan) Specialized loan for home energy efficiency improvements including insulation, LED lighting, solar panels, and efficient appliances, with amounts up to €30,000 and no opening fees when applied online.
• Préstamo vacaciones (Vacation Loan) Vacation financing loan enabling travel expenses to be spread over monthly installments, with amounts from €4,000 and repayment terms from 24 to 120 months.
• Préstamo bodas (Wedding Loan) Wedding financing loan covering event costs such as catering, attire, and decorations, with amounts up to €30,000 and repayment terms up to 120 months.
• Tarjeta VISA Air Europa SUMA Co-branded VISA credit card issued by Bankinter Consumer Finance and distributed by Air Europa; earns 3 Miles per euro spent on Air Europa flights and 0.5 Miles on other purchases, with a welcome bonus of up to 12,000 Miles and SUMA Silver loyalty tier access. Annual commission €48. Up to €5,000 credit limit.
• Tarjeta Club MAPFRE Co-branded Mastercard issued by Bankinter Consumer Finance and distributed by MAPFRE España; returns 2% on MAPFRE payments and 0.11% elsewhere, accumulating Tréboles redeemable as discounts on MAPFRE insurance renewals. Includes free travel insurance up to €500,000. No issuance or maintenance commission.
• Tarjeta Línea Directa Aseguradora Co-branded credit card distributed by Línea Directa Aseguradora S.A.; offers 3% cashback on insurance payments and 0.10% on other purchases, with a welcome bonus of +€5 per month for 6 months subject to minimum spend. Annual commission €24. Integrated with the Por SER savings program.
• Tarjeta Mastercard Moeve gow Co-branded Mastercard issued by Bankinter Consumer Finance and distributed by Moeve Commercial S.A.U.; linked to the Club Moeve gow loyalty program, offering 10 cents per liter savings on Moeve and Cepsa fuel, 8 cents per euro on retail and car wash, and 0.3% cashback on purchases outside Moeve.

Quantifiable outcome

• Money deposited in customer account within 24-48 hours of loan approval
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Air Europa Líneas Aéreas S.A.coreChannel Partner/ Reseller/ DistributorProduct distribution partnership for co-branded VISA Air Europa SUMA credit card. Bankintercard issues the card while Air Europa provides the loyalty program (SUMA miles) and distributes the product through its customer channels. Card accumulates 3 miles per €1 on Air Europa purchases and 0.5 miles per €1 elsewhere, with welcome bonuses of up to 12,000 miles.
• MAPFRE España, S.A.coreChannel Partner/ Reseller/ DistributorProduct distribution partnership for co-branded Club MAPFRE credit card. Card accumulates Tréboles (loyalty points) at 2% rate at Mapfre terminals (up to 5€/month) and 0.11% elsewhere. Tréboles convert to insurance renewal discounts (1 Trébol = 1€). Includes free travel insurance up to 500,000€.
• Línea Directa Aseguradora S.A.coreChannel Partner/ Reseller/ DistributorProduct distribution partnership for co-branded Tarjeta Línea Directa Aseguradora. Card provides 3% cashback on Línea Directa insurance payments (up to 120€/year) and 0.11% elsewhere. Welcome bonus of +5€/month for 6 months with 150€/month minimum spend. Includes Por SER savings program.
• Moeve Commercial S.A.U. (formerly Cepsa)coreChannel Partner/ Reseller/ DistributorProduct distribution partnership for co-branded Mastercard Moeve gow card. Card provides 10 cents/liter discount at Cepsa/Moeve fuel stations (5 cents from card + 5 cents from gow program), 7 cents/kWh for EV charging, 8 cents/€ in stores/car wash, and 0.3% cashback elsewhere. Requires membership in Club Moeve gow.
• EURO 6000 PlusminorGTM or Marketing PartnerDiscount and offers program allowing Bankintercard customers to access deals and discounts at partner merchants through the bank's program, enhancing the value proposition of having a Bankintercard.
• AXA France Vie and AXA France IARD (Spain branches)coreOthersInsurance underwriter for the optional Plan de Protección de Pagos (Payment Protection Insurance). Policy covers unemployment, temporary incapacity, hospitalization, death, permanent and absolute disability, travel assistance, and purchase protection. Mediated by Bankinter Consumer Finance as tied insurance operator (OV-0079).
• Bankinter S.A.coreOthersParent company of Bankinter Consumer Finance. Provides customer fund safeguarding (deposits customer funds in a separate account at Bankinter S.A. per regulatory requirements), technology infrastructure, and group brand affiliation. Alfonso Saez Alonso-Muñumer serves as both Director General of Bankinter Consumer Finance (since 2014) and Director General of Bankinter (since December 2023).

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• CaixaBank Payments & Consumer: Consumer finance and payments arm of CaixaBank, providing personal loans and credit cards to Spanish consumers. Comparable in core personal-loan and card products but embedded in a much larger retail-banking franchise with a deeper deposit base.
• BBVA Consumer Finance: Consumer lending division within BBVA, one of Spain's largest banks. Offers personal loans, credit cards and consumer credit lines to BBVA and non-BBVA clients via a fully digital channel — overlapping directly with Bankintercard's proposition but with significantly broader group resources.
• Sabadell Consumer Finance: Consumer lending arm of Banco Sabadell, offering personal loans, cards and consumer finance to Spanish customers. Overlaps with Bankintercard's instalment-loan product range and competes for similar mid-market Spanish consumers.

Direct peers

• Cetelem (BNP Paribas Personal Finance): Spanish arm of BNP Paribas Personal Finance, offering personal loans, credit cards and point-of-sale financing. Comparable in product breadth and target customer (mass-market Spanish consumers), and competes in the same co-branded/partnership-led distribution model.
• Santander Consumer Finance: Consumer finance arm of Banco Santander, offering personal loans, auto finance and credit cards across Europe including Spain. Operates as a comparable Establecimiento Financiero de Crédito structure and is the largest consumer-finance competitor to Bankintercard by scale in Iberia.
• Oney (Banco BNP Paribas subsidiary, Spain): Specialist in consumer credit, payment cards and BNPL solutions operating in Spain. Comparable product set (revolving credit cards, personal instalment loans) and similar digital-first customer experience targeting Spanish retail consumers.
• Cofidis (Spain): Subsidiary of Crédit Mutuel, Cofidis España provides personal loans and revolving credit to Spanish consumers through digital and partner channels. Directly comparable in product mix (instalment loans + revolving cards) and in its reliance on co-marketing partnerships.
• WiZink: Iberian-focused credit card and consumer finance specialist (Portugal + Spain). WiZink's revolving credit cards and personal loan offering overlap almost one-to-one with Bankintercard's product set, and both target digital-first Spanish consumers without requiring an existing banking relationship.

Emerging players

• Younited Credit: European consumer-lending marketplace active in France, Spain, Italy and Germany. While Younited operates a marketplace model rather than balance-sheet lending, it competes for the same digital-first Spanish personal-loan customer and pressures Bankintercard on speed and rate.
• Moneyhero (formerly Kredito): Spanish personal-loan and credit-card comparison platform that aggregates offers from lenders including Bankintercard. Acts as a competing acquisition channel and indirect peer in the digital Spanish consumer-credit distribution stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bankintercard
• LinkedInlinkedin.com/company/bankintercard

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bankintercard