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Legal and regulatory

  • Website Terms of Use

    General terms of use

    Please read the following terms of use carefully. By using this website and its related services, you acknowledge that you have read the terms of use and that you accept and will be bound by them, as they may be modified by Bankinter from time to time, as posted on this website. If you do not agree to the terms of use, you may not use this website.

  • Legal name and address

    Bankinter S.A., trading as Bankinter, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.

    Bankinter S.A. Registered in Spain: Madrid Mercantile Register (Registro Mercantil de Madrid), Volume 1857, Folio 220, Page 9643, EUID code ES28065.000002024.
    Registered office: P. de la Castellana 29, 28046, Madrid, Spain. Registered Irish branch: Dublin Road, Carrick on Shannon, County Leitrim, no: 910258.

  • Intellectual property rights

    • We are the owner or licensee of all intellectual property rights on the website (except where specifically identified as third-party consent) and in the material published on it.
    • All information on this website is protected by applicable intellectual property and other laws around the world.
    • All such rights are reserved.
    • Unless otherwise specified (see the Limited Disclaimer of Copyright below), all such rights are reserved and no one has permission to copy, display, distribute, or republish in any form, or store by electronic means any part of the information found on this website without the written permission of Bankinter, except in accordance with the Copyright and Related Rights Act 2000 (as amended).
    • The posting of information or other materials to this website does not constitute a waiver of any proprietary right in such information and materials (such as, but not limited to, copyrights, trademarks, trade names or other intellectual property) and does not transfer any rights to a user on the website or any other third-party, except as expressly provided herein.
    • Our status (and that of any identified contributors) as the authors of material on the website must always be acknowledged.

  • Limited disclaimer of copyright

    Anyone may view the information (and incidentally create an electronic copy of the information) available from this website for information purposes only. No part of the information at this website can be otherwise redistributed, copied or reproduced in any form without the prior written consent of Bankinter.

  • Our website changes regularly

    Bankinter makes no representation or warranty or undertaking as to the information contained on the website including but not limited to, the accuracy, timeliness, or completeness of the website materials. Bankinter periodically amends, changes, adds, deletes, updates or alters the information, including, without limitation the terms of use at the website, without notice. Further, Bankinter assumes no responsibility for any errors or omissions in the content of the website. Bankinter specifically disclaims any duty to update the information on the website. Commentary and other materials posted on the website are not intended to amount to advise on which reliance should be placed. We therefore disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to the website, or by anyone who may be informed of any of its contents. Use of information provided on the website is at the user's sole risk.

  • Our liability

    The material displayed on the website, including references to Bankinter and their services and products is provided without any guarantees, conditions or warranties as to its accuracy including afore mentioned under the Bankinter name. Reference to Bankinter (including Bankinter), and its services and products are provided without warranty of any kind, either expressed or implied. Under no circumstances shall Bankinter or any other party involved in the creation, production or delivery of the information at this website be liable for any direct, special, incidental, indirect or consequential loss or damage of any kind incurred by any user in connection with the website (or the information or services provided at this website) or in connection with the use, inability to use, or results of the use of the website, any websites linked to it and any materials posted on it, including, without limitation any liability for loss of income or revenue; loss of business; loss of profits or contracts; loss of anticipated savings; loss of data; loss of goodwill; wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable, provided that this condition shall not prevent claims for loss of or damage to your tangible property or any other claims for direct financial loss that are not excluded by any of the categories set out above. Under no circumstances shall Bankinter have liability to users for any damages, losses and causes of action (whether in contract, tort, including, but not limited to, negligence or otherwise) for accessing the website. The user should consult his or her own legal advisers regarding the applicability of their own domestic legislation regarding limitations on liability.

  • Typographical errors

    This website could include technical inaccuracies or typographical errors.

  • Indemnification by user

    User agrees to indemnify, defend and hold Bankinter harmless from any liability, loss, claim and expense, including legal fees related to a user's violation of these terms and conditions of use or unauthorised use of the services and information provided at this website.

  • Viruses

    Bankinter accepts no responsibility for any damage caused by viruses contained within the electronic files at this website.

  • Links to other websites

    This website contains links to other websites. Bankinter is not responsible for the content, accuracy or opinions expressed in such websites, and such websites are not investigated, monitored or checked for accuracy or completeness by Bankinter. Inclusion of any linked website does not imply approval or endorsement of the linked website by Bankinter.

  • Submission of information

    All information transmitted, or otherwise submitted to Bankinter, via this website shall only be used by Bankinter to the extent permitted by applicable legislation, specifically data protection legislation in Ireland.

  • General

    These terms of use will be governed by and construed in accordance with the applicable laws of the Republic of Ireland without regard to conflict of law principles, and users agree that all legal proceedings relating to the matters herein shall be adjudicated solely in the courts of the Republic of Ireland. Users consent to extra-territorial services of process and submit to the jurisdiction of the said courts. To the extent that any portion of these terms of use shall be determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these terms of use as so modified will remain in full force and effect. Any waiver of any provisions contained in these terms of use by Bankinter shall not be deemed to be a waiver of any other right, term or provision of these terms and conditions.

  • Social Media Moderation Policy

    Bankinter's Social Media platforms are not to be used as customer servicing channels. Our channels are to provide product information and up-to-date company news, and we will not interact with account specific enquiries. Our profiles operate during office hours (Mon – Fri, 9am to 5pm), and will be monitored during that time frame. We expect all community members to understand our social media channels are public, meaning anyone can view our posts, comments and tweets, and likewise with incoming interactions. We reserve the right to delete any content or block any account that does not adhere to our guidelines. We may delete comments or posts that we deem to be:

    • Offensive, threatening, abusive or obscene content.
    • Content with account specific details.
    • Potentially libellous accusations or statements.
    • Any spam or content for unrelated services or products.
    • Anything of an illegal or unlawful nature.
    • Any content that violates copyright or licence agreements.
    • Commentary containing names of Bankinter staff members.

  • Social Media Guidelines

    Please do not post any sensitive or personal financial information on Bankinter social media channels - It is a public forum which means anyone can see your post and they may appear in search engine results.

    Bankinter will not operate as a Customer Service channel on either social media platforms, however, profiles will be monitored during office hours and any account specific content will be ignored or deleted depending on the content nature (check social media moderation policy for more).

    If you choose to interact with an official Bankinter social media platform, please be advised that our profiles are public, meaning that any content posted by you, will become available to other users.

    Note, also, your social media profile may also become available to us. The personal information that is made available to us is determined by how you have set your privacy settings on your social media profile.

    Bankinter's social media profiles and the content posted, are copyright of Bankinter and we reserve all the rights therein. All trademarks, logos and creatives (imagery/video) used within our social media channels are intellectual property of Bankinter, other than when we share content from other sources, and these will be highlighted accordingly.

    If you have a query relating to your account, we advise you to contact us via our Customer Service helpline from 8am to 8pm Monday to Friday, and from 8am to 2pm on Saturdays (excluding Bank Holidays) on 0818 211 788. We will not reply to private messages on either platform.

  • Whistle Blowing Policy

    This policy regulates the confidential and secure channel through which you can report any concerns, worries or suspicions of possible irregular conduct or breaches of the Code of Ethics. The issues that may be dealt with through this channel include actions contrary to our internal policies, potential situations of workplace or sexual harassment, breaches of data protection, discrimination of any kind, conflicts of interest or possible fraud.

    Access to the Confidential Whistleblowing Channel is open both to any Bankinter Group employee and to third parties related to our organization, such as suppliers, subcontractors, clients, consultants, agents, temporary employment agencies, candidates, interns, among others.

    You can download our Whistle Blowing policy or access Whistle Blowing Channel.