Bankinter

Bankinter is a Spanish bank built for everyday current accounts, cards, mortgages and savings, with a strong retail feel and a digital layer that matters as much as the branch network. By our assessment, it stands out for combining ordinary high-street banking with a more active online service than the name might suggest. The trade-off is that, like most banks of its size, it is not the place for exotic products or the kind of personal attention people expect from a small local lender. In practice it feels like a mainstream bank that wants to be tidy and fairly efficient rather than flashy. Bankinter sits above the most basic provincial options and below the giant universal banks that can spread risk and services more widely. It suits people who want a plain Spanish bank with online tools, and it is less appealing if you want a very small community setup.