Bankinter has increased the profitability of its Digital Account for new customers from 2% to 2.50% APR, an offer that can be contracted from this Tuesday until next June 15 through the bank’s website and app. The entity has also increased the maximum paid balance from 50,000 euros in the previous commercial offer to 100,000 euros, with the aim of expanding the profile of potential clients and strengthening this account as an alternative to traditional deposits. The 2.50% APR remuneration is applied from the first euro and without intermediate sections for any balance up to that limit of 100,000 euros. Bankinter also highlights that, unlike deposits, the money always remains available to the client and its withdrawal does not imply penalties or loss of profitability as long as the balance remains in the account. The entity recalls that in March it eliminated all intermediate remuneration sections of the Digital Account, so that any amount less than 100,000 euros can benefit from this profitability.
MONTHLY INTEREST
The bank explains that interest is settled monthly, allowing the client to receive the return on a recurring basis. Thus, for a balance of 50,000 euros, the gross annual remuneration would amount to 1,235 euros, equivalent to approximately 102.91 euros per month. In the case of maintaining 100,000 euros, the gross annual return would double. For a balance of 10,000 euros, the remuneration would be 247 euros gross per year, or about 20.58 euros per month. Bankinter indicates that this remuneration will be guaranteed until December 31, 2026 and that, from that date, it will depend on the evolution of official interest rates.
WITHOUT COMMISSIONS OR LINKS
The Digital Account can be contracted exclusively through digital channels and has no maintenance fee nor does it require additional requirements, such as direct debit of payroll or receipts. In addition, it includes a free debit card, with no issuance or maintenance costs, and allows you to withdraw cash without commissions at more than 17,000 ATMs in Spain thanks to the entity’s agreements with different banking networks. With this improvement in profitability, Bankinter seeks to reinforce the Digital Account as one of its main fundraising tools and continue promoting its digitalization strategy.
