The world evolves, and so does how you pay. The Bankinter Único Card adapts to every moment, offering flexibility and benefits that fit modern financial needs.
Designed for individuals managing expenses locally and globally, this card provides competitive rates, cashback, and travel perks. Whether used for daily transactions or international spending, it ensures convenience and control.
This guide outlines how to request the Bankinter Único Card, covering eligibility, application steps, and essential details.
Overview of Bankinter Único Cards: DUO cards: Two Sides, Two Payment Methods
The Bankinter Único Card is designed for flexibility, offering two payment methods within a single card. Its DUO system allows users to pay at the end of the month or split expenses into four installments.
DUO Crédito Card:
- Side A: Purchases are charged on the first day of the next month, with zero interest (0% NIR, 0% APR).
- Side B: Transactions over €120 are automatically split into four equal payments. Smaller amounts are charged at the beginning of the following month.
- No issuance or maintenance fees for holders of salary, non-salary, pension, or business accounts.
DUO Débito Card:
- Side A: Works like a standard debit card, charging purchases instantly.
- Side B: Transactions over €120 can be divided into four installments, while smaller amounts are deducted at the beginning of the following month.
This dual-payment system accommodates different spending habits, making the Bankinter Único Card a practical choice globally.
Using The Bankinter Único Cards
The Bankinter Único Card is designed for convenience, offering two payment options within a single card. Each side provides different functionalities, ensuring flexibility for various spending needs.
Using the DUO Credit Card
For security, contactless payments require an initial activation by inserting the card into a POS terminal or ATM.
- In Stores (POS Terminals):
- Tap the card for contactless payment to use the “End of Month” side.
- Insert the card into the terminal to activate the “Pay in 4” option.
- ATMs:
- Cash withdrawals are only possible using the “End of Month” side.
- The “Pay in 4” side does not support ATM withdrawals.
- Mobile Payments:
- Both sides appear on the screen, allowing you to choose before completing the payment.
DUO Credit Card Expiry Date
Both sides share the same expiry date, which can be found on both card faces.
Making Payments in Stores:
- By default, contactless transactions use the “End of Month” side.
- A PIN is required for purchases over €50.
- Authentication is required if cumulative contactless spending reaches €150 without PIN entry.
- To use the “Pay in 4” option, insert the card and select the appropriate payment method on the terminal screen.
Managing Card Limits
- Top Up: Transfer funds from a linked account to continue shopping if the card limit is reached.
- Adjust Limits: Modify credit limits based on personal financial needs.
- Credit Transfers: Shift funds between multiple Bankinter cards.
Using the DUO Debit Card
Like credit cards, security features require initial contactless activation at a POS or ATM.
- In Stores (POS Terminals):
- Tap for contactless payment to use the “Pay Now” debit function.
- Insert the card into the terminal to activate the “Pay in 4” option.
- ATMs:
- Withdrawals are allowed only using the “Pay Now” side.
- The “Pay in 4” side does not support cash withdrawals.
- Mobile Payments:
- The card’s digital display shows both sides, allowing users to select the payment method.
DUO Debit Card Expiry Date
Both sides share the same expiry date, visible on both card faces.
Making Payments in Stores:
- The “Pay Now” side functions as a standard debit card, deducting funds immediately.
- A PIN is required for purchases over €50.
- Authentication is required if cumulative contactless spending reaches €150 without PIN entry.
- To use the “Pay in 4” option, insert the card and select the correct payment method.
Managing Card Limits:
- Top Up: Transfer funds if the spending limit is reached.
- Adjust Limits: Modify debit card spending limits as needed.
- Credit Transfers: Shift available funds between Bankinter accounts.
Eligibility and Requirements
Applying for a Bankinter Único Card requires meeting specific criteria to ensure responsible credit management.
Minimum Age and Residency:
- Applicants must be at least 18 years old.
- Residency in Spain is generally required, though non-residents may apply under specific conditions.
Required Documents:
- Valid identification (National ID, passport, or residence permit).
- Proof of income (salary slips, tax returns, or pension statements).
- Banking history (existing Bankinter customers may have a smoother application process).
Credit Score Expectations:
- A good credit history increases approval chances.
- Bankinter evaluates existing debts, repayment habits, and overall financial stability.
- Individuals with a high credit risk may need to provide additional documentation or guarantees.
How to Apply for a Bankinter Único Card
Requesting a Bankinter Único Card is a straightforward process, whether applying online or in person.
Online Application:
- Visit the official Bankinter website and navigate to the credit card section.
- Select the Bankinter Único Card and click on “Apply.”
- Fill out the application form, providing personal details, financial information, and required documents.
- Apply and wait for a pre-approval assessment.
- If approved, complete identity verification and sign the agreement electronically.
In-Person Application:
- Visit a Bankinter branch with the necessary documents.
- Speak to a representative and fill out the application form.
- The bank will assess eligibility, credit history, and financial standing.
- If approved, sign the contract and receive details about card activation.
Approval Timeline:
- Processing typically takes a few business days.
- Applicants may receive a decision faster if they are existing Bankinter customers.
- The physical card is sent after approval and activation instructions are provided.
Bankinter Contact Information
For inquiries or assistance, Bankinter provides multiple contact options:
- Customer Service: Call 900 80 20 81 for general support.
- Additional Support Lines:
- Bankinter Listens: 91 657 88 00 / 900 813 847
- Non-Customer Inquiries: 900 816 833
- Complaints & Regulations: Visit the Bankinter Customer Service Area at 900 80 20 81 for detailed information.
- Website: Access services and applications online at www.bankinter.com.
Conclusion
The Bankinter Único Card offers flexible payments, no fees for eligible accounts, and global usability. Its DUO system adapts to different spending needs, making it a practical choice.
Applying is simple, whether online or at a branch. Features like customizable limits and mobile payments enhance convenience.
Disclaimer: Approval depends on Bankinter’s credit evaluation. Terms may vary. Check with Bankinter for details.