What BANKINTER CONSUMER FINANCE does

Bankinter Consumer Finance, E.F.C., S.A.U. is a wholly-owned subsidiary of Bankinter S.A., a publicly listed Spanish banking group, and operates the bank's consumer finance arm under the bankintercard brand. The company specializes in consumer credit products for the Spanish retail market, offering a portfolio of personal loans segmented by use case (auto, home renovation, studies, vacations, weddings, energy efficiency, and pre-set amounts of 10,000–30,000 euros) alongside co-branded credit cards issued under VISA and Mastercard rails with Air Europa (miles-accumulating), MAPFRE (Tréboles insurance rewards), Moeve (gow lifestyle), and Línea Directa Aseguradora.

The underlying technology is a digital lending and credit card management platform distributed exclusively through the bankintercard website (bankintercard.com / bankinterconsumerfinance.com) and a native iOS/Android mobile application. The mobile app supports end-of-day customer workflows including loan requests, account queries, cash transfers, card activation/deactivation, PIN consultation, purchase financing, and push notifications. Mobile payments are supported via Apple Pay integration, and PSD2-compliant strong customer authentication is implemented for online transactions. The entity is regulated as a Spanish Entidad Financiera de Crédito (E.F.C.) under Bank of Spain oversight and is WCAG 2.1 Level AA accessibility compliant.

Revenue mechanics are anchored in three streams: net interest income from consumer loan portfolios, interchange and annual fees from credit card operations, and foreign currency conversion on international card transactions. Co-brand partner channels (Air Europa, MAPFRE, Moeve, Línea Directa) function as customer acquisition funnels for the card portfolio, while EURO 6000 Plus serves as a cross-merchant loyalty layer. The go-to-market is direct-to-consumer only, Spain-only, with no physical branch network and a small dedicated employee base of 30—suggesting significant operational reliance on parent Bankinter's infrastructure.

Name

BANKINTER CONSUMER FINANCE

Legal name

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

Website

https://bankintercard.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Bankinter Consumer Finance is the consumer finance subsidiary of Bankinter S.A., providing personal loans and co-branded VISA/Mastercard credit cards to Spanish retail consumers via the digital-only bankintercard website and mobile app.

Ownership category

akta.pro rank

Product category

Consumer Finance

NAICS

Consumer Lending (522291), Credit Card Issuing (52221), Nondepository Credit Intermediation (5222)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Credit Cards & Revolving Credit (FSABAAAC)

akta.pro secondary industries

Retail Credit (Closed-End) & Promotional Financing (0%/Deferred Interest) (FSAKAFAF), Co-Branded Credit Card Partnerships (Issuers/Networks) (THABAKAD)

Keywords

• Consumer lending
• Personal loans
• Credit cards
• Consumer finance
• Mobile banking

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Consumer Lending: Personal loans, car loans, home improvement loans, and other consumer financing products. Revenue generated from interest charged on loans with various amounts offered (10,000€, 15,000€, 20,000€, 30,000€).
2. Credit Card Operations: Credit cards (VISA and Mastercard branded) with co-branding partnerships. Revenue from interchange fees, annual fees, and currency conversion charges on international transactions.
3. Currency Exchange: Currency conversion services for international card transactions. According to their policy, no foreign currency conversion fees are applied for cross-border card payments or ATM withdrawals in foreign countries.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Bankinter Consumer Finance, operating under the bankintercard brand in Spain, provides consumer credit products to individual end customers. Its portfolio covers a fully digital range of personal loans — including general-purpose, auto (Préstamo Coche), home renovation (Préstamo Reformas), education (Préstamo Estudios), vacation (Préstamo Vacaciones), wedding (Préstamo Bodas), and energy efficiency (Préstamo Eficiencia Energética) financing, plus fixed-amount loans of 10,000€, 15,000€, 20,000€, and 30,000€ — together with co-branded credit cards (VISA Air Europa SUMA, Club MAPFRE Mastercard, Moeve gow Mastercard, and Línea Directa Aseguradora Mastercard). Customers apply, service, and manage all products through the bankintercard website and the bankintercard iOS/Android mobile app, with supporting Apple Pay integration.

Product overview

BANKINTER CONSUMER FINANCE operates as a consumer finance specialist under the bankintercard brand, offering a comprehensive portfolio of personal loans and credit cards. The loan portfolio includes personal loans, auto loans (Préstamo Coche), home renovation loans (Préstamo Reformas), education loans (Préstamo Estudios), vacation loans (Préstamo Vacaciones), wedding loans (Préstamo Bodas), energy efficiency loans (Préstamo Eficiencia Energética), and pre-set amount loans (10K, 15K, 20K, 30K euros). The credit card portfolio features co-branded cards including VISA Air Europa SUMA (accumulates airline miles), Club MAPFRE (accumulates insurance rewards), Mastercard Moeve gow, and Línea Directa Aseguradora. The bankintercard mobile app provides account management, transfers, financing, and card control features. All products are issued by Bankinter Consumer Finance, E.F.C., S.A.U.

Differentiator

Problem solved

Functional benefit

Products and services

• Préstamo Personal (Personal Loan) General-purpose personal loan offered by Bankinter Consumer Finance, E.F.C., S.A.U., with a fully online ("Proceso 100% online") application process for individual consumers in Spain.
• Préstamo Coche (Auto Loan) Auto financing loan for purchasing a vehicle, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain under the bankintercard brand.
• Préstamo Reformas (Home Renovation Loan) Loan financing planned or unexpected home renovation projects, offered to individual consumers in Spain by Bankinter Consumer Finance, E.F.C., S.A.U.
• Préstamo Estudios (Education Loan) Education financing loan covering academic expenses, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo Vacaciones (Vacation Loan) Vacation financing loan for travel expenses, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo Bodas (Wedding Loan) Wedding financing loan for wedding-related expenses, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo Eficiencia Energética (Energy Efficiency Loan) Financing loan for energy efficiency home improvements, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo 10.000 euros (Fixed 10,000€ Personal Loan) Personal loan with a fixed 10,000 euro principal for general financing needs, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo 15.000 euros (Fixed 15,000€ Personal Loan) Personal loan with a fixed 15,000 euro principal for general financing needs, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo 20.000 euros (Fixed 20,000€ Personal Loan) Personal loan with a fixed 20,000 euro principal for general financing needs, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Préstamo 30.000 euros (Fixed 30,000€ Personal Loan) Personal loan with a fixed 30,000 euro principal for general financing needs, offered by Bankinter Consumer Finance, E.F.C., S.A.U. to individual consumers in Spain.
• Tarjeta VISA Air Europa SUMA Co-branded VISA credit card issued by Bankinter Consumer Finance, E.F.C., S.A.U. in partnership with Air Europa, allowing cardholders to accumulate Miles with purchases that can be redeemed for flights.
• Tarjeta Club MAPFRE Co-branded Mastercard credit card issued by Bankinter Consumer Finance, E.F.C., S.A.U. in partnership with MAPFRE that accumulates Tréboles (clovers) on purchases redeemable for discounts on MAPFRE insurance policies.
• Tarjeta Mastercard Moeve gow Co-branded Mastercard credit card issued by Bankinter Consumer Finance, E.F.C., S.A.U. in partnership with Moeve, offering promotional offers and lifestyle rewards to cardholders.
• Tarjeta Línea Directa Aseguradora Co-branded credit card issued by Bankinter Consumer Finance, E.F.C., S.A.U. in partnership with Línea Directa Aseguradora, a direct insurance company.
• bankintercard Mobile App Mobile application for iOS and Android that allows bankintercard customers to perform account queries, transfer cash to their account, finance purchases, activate and deactivate cards, consult the PIN, request loans, and receive notifications.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Air EuropacoreGTM or Marketing PartnerCo-branded VISA Air Europa SUMA credit card partnership. Customers accumulate Miles with purchases that can be redeemed for flights.
• MAPFREcoreGTM or Marketing PartnerCo-branded Club MAPFRE Mastercard partnership. Customers accumulate Tréboles (clovers) with all purchases and receive discounts on MAPFRE insurance policies.
• Línea Directa AseguradoraminorGTM or Marketing PartnerCo-branded credit card partnership with Línea Directa Aseguradora, a direct insurance company.
• MoeveminorGTM or Marketing PartnerCo-branded Mastercard Moeve gow credit card partnership offering distinctive card features and experiences.
• EURO 6000minorGTM or Marketing PartnerLoyalty program partnership (Programa EURO 6000 Plus) providing customers access to special offers and discounts at affiliated merchants.
• VisacoreTechnology or IntegrationCard network partner for VISA-branded credit cards including Air Europa SUMA card.
• MastercardcoreTechnology or IntegrationCard network partner for Mastercard-branded credit cards including Club MAPFRE and Moeve gow.
• Bankinter S.A.coreOthersParent company providing regulatory framework, brand umbrella, corporate governance, and institutional infrastructure. Bankinter Consumer Finance, E.F.C., S.A.U. operates as a specialized consumer finance entity within the Bankinter Group.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Santander Consumer Finance: Consumer finance arm of Banco Santander, offering personal loans, auto loans, and credit cards across Spain; most direct scale-comparable peer given parallel bank-owned consumer finance structure.
• BBVA Consumer Finance: Consumer lending and credit card business of BBVA in Spain, providing personal loans and card products; directly comparable as another major Spanish bank's dedicated consumer finance operation.
• Cetelem (BNP Paribas Personal Finance): Spanish arm of BNP Paribas Personal Finance, providing consumer loans and credit cards in Spain; comparable European bank-affiliated consumer finance specialist.
• CaixaBank Consumer Finance: Consumer finance and personal loan offering of CaixaBank in Spain, providing consumer credit and cards to retail customers; comparable as a major Spanish bank-owned consumer finance entity.
• Wizink: Spanish specialist credit card issuer offering revolving credit cards to consumers via digital channels; directly comparable consumer credit card model in the same Spanish market as Bankinter Consumer Finance.
• Cofidis España: Spanish subsidiary of Crédit Mutuel's Cofidis, offering personal loans and revolving credit to Spanish consumers; directly comparable non-bank consumer finance specialist.

Regional players

• Evo Finance (TreaPay / Avantcard): Spanish online consumer lender offering personal loans; comparable digital-first consumer credit specialist competing for similar Spanish retail demand.

Broad incumbents

• American Express Spain: Global card network and issuer with Spanish consumer card operations; comparable as an established credit card issuer competing in the Spanish revolving and co-branded card market.
• Sabadell Consumer Finance: Consumer lending and card operations within Banco Sabadell in Spain; comparable as another major Spanish bank offering consumer credit products alongside broader retail banking.

Emerging players

• Younited Credit (Spain): European online personal loan marketplace with Spanish operations, offering unsecured consumer loans; comparable as a digital-native entrant targeting Spanish consumer credit demand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bankinter-consumer-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 BANKINTER CONSUMER FINANCE