Accounts and service choices
Sections ↑This profile covers the Spanish Bankinter brokerage, not a common tariff for every country served by the banking group. The basic arrangement separates the current account used for cash from the securities account holding investments. Managed portfolios and Roboadvisor are separate services rather than alternative order screens for the same self-directed account.[1]
The account components
| Component | Function and condition |
|---|---|
| Bank current account | Provides the cash account associated with brokerage; opening a securities account is also necessary.Source 7 |
| Ordinary share dealing | Transaction-based brokerage without the securities-lending-linked Cero service.Source 3 |
| Bróker Cero | An optional service coupling specified domestic commission waivers with making securities available for lending.Source 4 |
| Joint ownership | The lending contract requires every joint holder’s express authorisation; discretionary-management accounts are excluded.Source 5 |
Products and market access
Sections ↑Products are not interchangeable
| Range | Scope |
|---|---|
| Cash securities | Spanish and international shares, plus exchange-traded products including ETFs, ETCs and ETNs.Source 1 |
| Derivatives and credit | Futures/options and credit-based dealing have their own conditions and tariff pages; ordinary share commission is not their full cost.Source 1 |
| Fixed income | A separate fixed-income service and transfer route are listed alongside equities.Source 1 |
Commissions and other costs
Sections ↑Published online share charges
| Item | Bankinter charge |
|---|---|
| Domestic, without Cero | EUR3.95 up to EUR2,000; EUR8 in the next band through EUR60,000; above that 0.07%, capped at EUR200.Source 3 |
| Principal foreign schedule | EUR20 below the stated EUR40,000/USD40,000/SEK425,000/GBP30,000 thresholds; 0.20% above. Other markets have separate tariffs.Source 3 |
| Custody | Domestic 0.04%; international 0.05% quarterly, on each security class’s average value; EUR6 minimum, prorated for holding days.Source 3 |
| Dividends/coupons | Domestic 0.25%; foreign 0.30%; minimum EUR1.20.Source 3 |
| Currency conversion | Bankinter’s daily currency rate plus/minus 1% when the settlement account uses another currency.Source 3 |
| Order changes | Stop, cancellation and modification charges: EUR0. Taxes and applicable market/clearing charges remain additional.Source 3 |
A EUR15,000 domestic trade therefore carries EUR8 of ordinary online brokerage before external charges. Exactly-at-threshold wording overlaps in the displayed domestic and foreign tables; the execution cost disclosure should resolve an order placed on a boundary.[3]
Cero removes Bankinter’s online commission for eligible domestic cash shares and rights, not every cost of owning them. Its linked contract explicitly preserves market fees. A zero brokerage line should therefore not be read as zero custody, zero tax or a waiver of international dealing charges.[4]
Platforms and order handling
Sections ↑Access and controls
| Channel | Published capabilities |
|---|---|
| iPhone and Android app | Domestic/international shares and ETFs, portfolio and order review, configurable charts and favourites.Source 6 |
| Stop controls | The app supports automatic level settings on stop orders; the broker describes these as order controls, not guaranteed execution prices.Source 6 |
| Web and advanced tools | The broker directory distinguishes the standard web service, Bróker Gráfico and Bróker Plus. Data and platform entitlements should match the subscribed service.Source 1 |
The specialist brokerage contact is the practical escalation route for an order or platform problem. Before placing a replacement instruction, establish whether the first order is accepted, pending or executed; submitting a second instruction is not itself a cancellation. This is an operational precaution, not a claim that a telephone fill or outage reimbursement has been tested.[8]
Cash and securities transfers
Sections ↑Moving a portfolio into Bankinter
| Step | Operational detail |
|---|---|
| Prepare the accounts | Both a current account and a securities account are required. Use the originating account statement for the transfer details.Source 7 |
| Match ownership | All holders must match exactly at origin and destination; a joint account cannot be treated as an individual transfer.Source 7 |
| Routing and timing | The under-48-hour advertisement concerns domestic portfolios below EUR300,000. Larger or international portfolios require a manager/branch; this is not a universal transfer guarantee.Source 7 |
The transfer page’s bonus offer still shows a dash instead of an expiry date. It is not treated here as a verified live entitlement. A current outbound securities fee and cash-withdrawal timetable were not established from the inspected brokerage pages; obtain those for the actual custody and current-account contracts before moving a portfolio.[7]
Custody, lending exposure and protection
Sections ↑Spain’s FGD distinguishes eligible deposits from securities entrusted to a member bank. Its securities mechanism covers an eligible inability to return instruments, up to EUR100,000 per investor and institution, separately from deposit protection. It does not insure falls in market value. A securities loan transfers title and must not simply be described as ordinary untouched custody.[10][5]
Support and complaints
Sections ↑Formal complaints go to Bankinter’s Servicio de Atención al Cliente, using its client/non-client forms or written correspondence to C/ Pico San Pedro 1, 28760 Tres Cantos, Madrid. The published complaints telephone is 900 80 20 81, Monday–Thursday 08:00–17:00 and Friday 08:00–15:00, Spanish mainland time.[9]
The published response clocks distinguish consumer non-payment complaints (one month), payment-service complaints (15 business days) and non-consumer non-payment complaints (two months). Unresolved investment-service issues can be escalated to the CNMV after the applicable first-stage process; bank-payment issues belong with Banco de España. A supervisory complaint is not the same process as an FGD failure claim.[9]
Bróker Cero: what the lending agreement changes
Sections ↑Lending mechanics
| Issue | Published position |
|---|---|
| Income | The example contract allocates the client 10% of the interest Bankinter receives on an actual securities loan—not a 10% annual return on the shares.Source 5 |
| Ownership and return | Lending transfers ownership to Bankinter, with an obligation to return equivalent securities; contractual cash-settlement provisions address non-return.Source 5 |
| Selling and distributions | The service says a sale triggers loan cancellation. During a loan, cash distributions are replaced by compensatory payments rather than ordinary shareholder distributions.Source 4 |
| Leaving | The website describes immediate deactivation without loans. The example contract provides 15 calendar days’ termination notice; request the applicable effective date. Re-entry is barred for three months.Source 5 |
Lending income is credited only when securities have actually been borrowed, with tax withholding and monthly-in-arrears accrual. Deactivating the service and ending an outstanding loan are distinct events. The signed terms should settle that timing rather than assuming an app switch instantly extinguishes every contractual exposure.[4]
Company and scope
Sections ↑The operator is Bankinter, S.A., identified in its legal notice by Spanish tax number A28157360. “Broker”, “Bróker Cero” and the app names are service labels, not separate contracting firms. This is a Spanish bank-broker reference: neither the product menu nor a Spanish protection statement establishes that a resident of another country is eligible for this exact account.[2]
- Headquarters
- Madrid, Spain
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Bankinter, S.A.
SpainSource 2
No separate licence entry is recorded in this panel.
Sources & further reading
- Spanish broker product and platform directory Bankinter · Accessed 19 Oct 2026
- Bankinter legal identity Bankinter · Accessed 19 Oct 2026
- Share dealing, custody, dividends and currency charges Bankinter · Accessed 19 Oct 2026
- Bróker Cero operation and cancellation Bankinter · Accessed 19 Oct 2026
- Example Bróker Cero securities-lending contract Bankinter · Accessed 19 Oct 2026
- App Bróker capabilities Bankinter · Accessed 19 Oct 2026
- Incoming securities and portfolio transfers Bankinter · Accessed 19 Oct 2026
- Broker customer service and specialist dealing Bankinter · Accessed 19 Oct 2026
- Formal complaints and response clocks Bankinter · Accessed 19 Oct 2026
- FGD securities protection Spanish Deposit Guarantee Fund · Accessed 19 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.