Question 1

What is Bankinter?

Accepted Answer

Bankinter, S.A. is a major Spanish financial services company headquartered in Madrid and one of the country's leading banks. As Spain's fifth-largest banking institution by total assets, Bankinter operates as a full-service commercial bank providing retail and corporate banking, wealth management, insurance, and digital banking services. The bank is publicly traded on the Bolsa de Madrid, where it has been listed since 1972, and is a constituent of the IBEX 35 Index. With approximately €117 billion in total assets as of 2024, Bankinter serves millions of customers across Spain and international markets.

Question 2

When was Bankinter founded?

Accepted Answer

Bankinter was founded in June 1965 as Banco Intercontinental Español through a joint venture between Banco Santander and Bank of America. Originally established as an industrial bank, it transformed into a commercial bank in 1972, the same year it gained full independence from its founders and listed on the Madrid Stock Exchange. Throughout its history, Bankinter has been a pioneer in banking innovation, becoming Spain's first digital bank in 1993 with the introduction of electronic banking. The bank launched telephone banking in 1992 and mobile banking in 2005.

Question 3

Where is Bankinter headquartered?

Accepted Answer

Bankinter is headquartered in Madrid, Spain. The corporate address is Paseo de la Castellana 29, 28046 Madrid. As of September 2021, the bank operated a network of 446 offices throughout Spain with 6,119 employees.

Question 4

Where does Bankinter operate?

Accepted Answer

Bankinter operates primarily throughout Spain, with a comprehensive network serving all major Spanish regions and cities. The bank also has international operations in Portugal (where it acquired Barclays' retail business in 2015), Luxembourg (through Bankinter Luxembourg), and Ireland (through Avant Money, which became a formal Irish branch in 2025). Within Spain, Bankinter maintains both urban and regional presence through its branch network and digital channels.

Question 5

What services does Bankinter offer?

Accepted Answer

Bankinter provides a comprehensive range of banking products and services including current accounts, debit and credit cards, savings accounts, time deposits, investment funds, consumer loans, and mortgage loans. The bank offers corporate banking services to small and medium-sized enterprises, online brokerage services, and insurance products through its subsidiaries. Digital services are a core strength, with advanced mobile banking capabilities, online account management, and electronic trading platforms. In 2019, Bankinter acquired EVO Banco, incorporating 452,000 additional clients and strengthening its digital banking capabilities.

Question 6

What makes Bankinter unique?

Accepted Answer

Bankinter distinguished itself early as an innovation leader, becoming Spain's first digital bank in 1993 and pioneering remote banking services in 1992. The bank has maintained exceptional financial performance, achieving a record return on equity (RoE) of 17.1% in 2023—reported as the highest in Spain's financial sector. Bankinter has been rated A2 by Moody's, reflecting its strong credit quality. The bank's strategic acquisitions, including the 2021 spin-off and IPO of Línea Directa insurance company (generating nearly €1 billion in capital gains), demonstrate sophisticated financial management.

Question 7

What type of financial institution is Bankinter?

Accepted Answer

Bankinter is a credit institution (CRDCREINS) designated as a Significant Institution under European Banking Supervision since late 2014. As such, it is directly supervised by the European Central Bank (ECB) and registered in Spain's Official Banks and Bankers Register under number 0128. The bank participates in Spain's deposit guarantee scheme (Fondo de Garantía de Depósitos de Entidades de Crédito - FGD), protecting deposits up to €100,000 per depositor. Bankinter operates as a universal bank with diversified business lines spanning retail, commercial, private banking, and insurance.

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About Bankinter in Spain