Plazo Fijo Bankinter: Tasa y Condiciones 2023

Este artículo fue publicado por el autor Editores el 09/02/2025 y actualizado el 09/02/2025. Esta en la categoria Artículos.

Bankinter is a Spanish bank that offers a variety of financial products, including fixed-term deposits or "Plazos Fijos." In this article, we'll explain the tasa (interest rate) and condiciones (terms and conditions) of Plazo Fijo Bankinter for 2023.

What is a Plazo Fijo?

A Plazo Fijo is a type of fixed-term deposit that allows you to invest your money for a specific period, usually from 1 to 24 months. In exchange, the bank pays you a fixed interest rate, which is higher than the one offered for a current account. The main advantage of a Plazo Fijo is that it guarantees the capital and the interest, making it a low-risk investment.

Plazo Fijo Bankinter: Tasa 2023

The interest rate offered by Bankinter for its fixed-term deposits varies depending on the term and the amount invested. According to the Bankinter website, the tasa for Plazo Fijo Bankinter in 2023 is as follows:

• For deposits of €1,000 to €9,999: 0.20% for 1 month, 0.30% for 3 months, 0.40% for 6 months, and 0.55% for 12 months.
• For deposits of €10,000 or more: 0.30% for 1 month, 0.40% for 3 months, 0.50% for 6 months, and 0.70% for 12 months.

As you can see, the longer the term, the higher the interest rate. Moreover, if you invest more than €10,000, you'll get a better return.

Plazo Fijo Bankinter: Condiciones 2023

Before investing in a Plazo Fijo Bankinter, you should be aware of the terms and conditions. These include:

• The minimum amount to invest is €1,000.
• The maximum amount to invest is €1,000,000.
• The term can be from 1 to 24 months.
• The interest is paid at the end of the term.
• The capital is guaranteed, but the interest is not.
• You can't withdraw the money before the end of the term, unless you pay a penalty.
• If you don't renew the deposit at the end of the term, the money will be transferred to a current account.

Plazo Fijo Bankinter: How to Open an Account

To open a Plazo Fijo Bankinter account, you can follow these steps:

1. Go to the Bankinter website and click on "Particulares" (private clients).
2. Click on "Cuentas y Tarjetas" (accounts and cards) and then on "Plazos Fijos" (fixed-term deposits).
3. Choose the term and the amount you want to invest.
4. Fill in the application form with your personal and contact details.
5. Verify your identity with a valid ID or passport.
6. Transfer the money from your current account to your new Plazo Fijo account.

FAQs about Plazo Fijo Bankinter

Q: Can I open a Plazo Fijo Bankinter account online?

A: Yes, you can open a Plazo Fijo Bankinter account online through the Bankinter website. You just need to have a Spanish current account and a Spanish ID or passport.

Q: Can I renew my Plazo Fijo Bankinter automatically?

A: Yes, you can renew your Plazo Fijo Bankinter automatically at the end of the term. You just need to select this option when you open the account or when you renew it.

Q: Can I transfer my Plazo Fijo Bankinter to another bank?

A: Yes, you can transfer your Plazo Fijo Bankinter to another bank, but you may have to pay a penalty if you do it before the end of the term.

Q: What happens if Bankinter goes bankrupt?

A: If Bankinter goes bankrupt, your Plazo Fijo Bankinter will be protected by the Deposit Guarantee Fund, which covers up to €100,000 per depositor per bank.

Conclusion

In summary, Plazo Fijo Bankinter is a low-risk investment that offers a fixed interest rate for a specific term. The tasa for Plazo Fijo Bankinter in 2023 varies depending on the term and the amount invested, with higher rates for longer terms and larger amounts. The condiciones include a minimum of €1,000 and a maximum of €1,000,000, a term from 1 to 24 months, and a penalty for early withdrawal. If you're looking for a safe and profitable way to invest your money in Spain, Plazo Fijo Bankinter could be a good option.

References

• Bankinter website
• Deposit Guarantee Fund

Editores

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