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Bankinter — Spanish retail and private bank headquartered in Madrid, supervised by Banco de Espana, with a strong affluent retail and SME franchise.

HQ
Madrid
Customers
9M+ retail and corporate clients across Iberia
Connection
PSD2 (read-only)

  • Current accounts and salary inflows

    Your Bankinter current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Bankinter are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Bankinter account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Read by Bank AI

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Read by Bank AI

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Mercadona
  • Carrefour
  • El Corte Ingles
  • Renfe
  • Repsol
  • Cepsa
  • Amazon
  • Apple

Detected subscriptions

  • Netflix
  • Spotify
  • Movistar+
  • Disney+
  • Movistar
  • Orange Espana

  • How much sits across my Bankinter cuenta corriente and pension plan?
  • Compare my Bankinter card spend at El Corte Ingles and Renfe with last quarter.
  • List every recurring Movistar, Orange and Movistar+ payment on my Bankinter account.
  • What's the next direct debit due on my Bankinter account?

Does Bank AI move money on my Bankinter account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Bankinter. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Bankinter app.

How does Bank AI connect to Bankinter?

Bankinter exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Does Bank AI surface my Bankinter Cuenta Nomina and pension plan?

Yes. The connection is at account level - Cuenta Nomina, Cuenta sin Nomina and other variants are read identically. Where Bankinter exposes pension-plan positions via PSD2, balances are surfaced alongside the cuenta corriente.

What about Bankinter Investment Banking accounts?

Where Bankinter exposes wealth-management or brokerage accounts via PSD2, the cash leg and any read-only positions are surfaced. Custodied securities depend on the connector exposing them.

Is Bankinter the same as EVO Banco?

EVO Banco is owned by Bankinter but operates as a separate digital-direct brand. Bank AI reads each one as its own connection.

What happens if Bankinter raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Bankinter-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

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