Wallets/bankinter
Bankinter
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Overview
Bankinter is a Spanish top-tier bank + post-Jul 2025 EVO Banco merger absorbing 767,000 EVO total customers + 330,000 EVO active customers [1, 2, es-cro]. Jul 2025: EVO Banco (founded 2012 as Novacaixagalicia digital subsidiary; acquired by Bankinter via Apollo Global Management 2019) integrated into Bankinter → EVO Banco becomes Bankinter's digital bank; EVO customers became Bankinter customers under same conditions as existing customers (transitional period for EVO Banco website + app continued use); Bankinter HQ Madrid + Spain + Portugal + Ireland + Luxembourg footprint.
Distinctive Bankinter positioning [1, 2, 3, 4]:
- Spanish top-tier bank + Madrid HQ
- Post-Jul 2025 EVO Banco merger absorbing 767,000 EVO total customers + 330,000 EVO active customers — distinctive Spanish digital banking consolidation
- EVO Banco (founded 2012; acquired by Bankinter 2019 from Apollo Global Management) becomes Bankinter's digital bank post-Jul 2025
- EVO Banco mobile app: 4.27/5 rating + 59,000+ ratings + ~4,100 30-day downloads (Jun 2025 baseline)
- 1965 Bankinter founding (Banco Intercontinental Español) — distinctive Spanish banking heritage
- Bankinter Spain + Portugal + Ireland + Luxembourg footprint — distinctive Spanish top-tier bank multi-country presence
History
Jun 4 1965 — Banco Intercontinental Español (Bankinter) founded in Madrid, Spain by Banco Santander + Bank of America joint venture — distinctive Spanish-US banking joint venture heritage.
1972 — Bankinter spun off from Santander + Bank of America → Bankinter listed independently on BME.
2010 — Bankinter mobile banking app launches.
2012 — EVO Banco launches as Novacaixagalicia digital banking subsidiary.
2019 — Bankinter acquires EVO Banco from Apollo Global Management.
Jul 2025 — EVO Banco fully integrated into Bankinter → EVO Banco becomes Bankinter's digital bank; 767,000 EVO total customers + 330,000 EVO active customers absorbed into Bankinter; EVO customers became Bankinter customers under same conditions as existing customers (transitional period for EVO Banco website + app continued use) [1, 2, 3].
Dec 2025 — Industry reports describe disaster following EVO Banco merger with Bankinter (technical migration issues + customer service complaints) [4].
Ownership & operator
Operating entity: Bankinter S.A. (BME: BKT).
Major shareholders: Cartival S.A. (Botín Sanz de Sautuola family Santander founding family holding company; ~22% controlling) + Corporación Masaveu + Banco Santander S.A. (formerly significant; post-1972 Bankinter spin-off divested) + Spanish institutional + Spanish retail public float.
Regulators: Banco de España + ECB.
Technical integration
Bankinter mobile banking app (iOS + Android) + bankinter.com online + Bankinter cards (Visa + Mastercard) + Bankinter Spanish branch network + EVO Banco (post-Jul 2025 Bankinter's digital bank subsidiary; integrated); SEPA Instant + Bizum (Spanish P2P payment service); Bankinter Línea Directa Aseguradora (Spanish insurance subsidiary) + Bankinter Consumer Finance + Bankinter Securities + Bankinter Banca Privada (Bankinter private banking).
Users & growth
Jul 2025: post-EVO Banco merger Bankinter absorbed 767,000 EVO total customers + 330,000 EVO active customers; EVO Banco mobile app: 4.27/5 rating + 59,000+ ratings + ~4,100 30-day downloads (Jun 2025 baseline).
Use cases
Spanish + Portuguese + Irish + Luxembourg retail + private + corporate + SME + investment + insurance + consumer finance banking via Bankinter mobile + bankinter.com online + cards + branches + EVO Banco (post-Jul 2025 Bankinter's digital bank subsidiary; integrated); SEPA Instant + Bizum (Spanish P2P payment service); Bankinter Línea Directa Aseguradora (Spanish insurance subsidiary) + Bankinter Consumer Finance + Bankinter Securities + Bankinter Banca Privada (Bankinter private banking).
Implementations & partners
Operator: Bankinter S.A. (BME: BKT); Cartival S.A. (Botín Sanz de Sautuola family Santander founding family holding company; ~22% controlling) + Corporación Masaveu + Spanish institutional + Spanish retail public float.
Subsidiaries: EVO Banco (post-Jul 2025 Bankinter's digital bank subsidiary; integrated; 767K EVO total + 330K EVO active customers absorbed) + Bankinter Línea Directa Aseguradora (Spanish insurance subsidiary) + Bankinter Consumer Finance + Bankinter Securities + Bankinter Banca Privada (Bankinter private banking) + Bankinter Portugal + Bankinter Ireland + Bankinter Luxembourg.
Major Spanish banking competitors: [[bbva]] (Spain #1 + global; BBVA Móvil + Garanti BBVA Turkish 86%+ subsidiary) + [[caixabank]] (Spain #2; post-Mar 2021 Bankia €4.3B all-stock merger) + [[santander-spain]] (Banco Santander S.A.; Europe's 4th largest + world's 16th-largest banking institution; multiple country subsidiaries) + [[banco-sabadell]] (Spain #4; survived BBVA hostile takeover bid 2024-2025) + [[openbank]] (Santander digital subsidiary) + [[unicaja]] (Spanish savings bank; post-Jul 2021 Liberbank €1.16B all-stock merger) + Ibercaja + Abanca (Galician bank; post-2014 Catalunya Banc divestiture) + Kutxabank (Basque savings bank).
Regulators: Banco de España + ECB.
Fun facts
- Spanish top-tier bank + Madrid HQ.
- Post-Jul 2025 EVO Banco merger absorbing 767,000 EVO total customers + 330,000 EVO active customers — distinctive Spanish digital banking consolidation.
- EVO Banco (founded 2012; acquired by Bankinter 2019 from Apollo Global Management) becomes Bankinter's digital bank post-Jul 2025.
- EVO Banco mobile app: 4.27/5 rating + 59,000+ ratings + ~4,100 30-day downloads (Jun 2025 baseline).
- Jun 4 1965 Banco Intercontinental Español (Bankinter) founding in Madrid, Spain by Banco Santander + Bank of America joint venture — distinctive Spanish-US banking joint venture heritage.
- 1972 Bankinter spun off from Santander + Bank of America → Bankinter listed independently on BME.
- Bankinter Spain + Portugal + Ireland + Luxembourg footprint — distinctive Spanish top-tier bank multi-country presence.
- Dec 2025 industry reports describe disaster following EVO Banco merger with Bankinter (technical migration issues + customer service complaints).
Comparison
| Feature | Bankinter | [[bbva]] (Spain #1 + global rival; BBVA Móvil + Garanti BBVA Turkish 86%+ subsidiary) | [[caixabank]] (Spain #2 rival; post-Mar 2021 Bankia €4.3B all-stock merger) | [[santander-spain]] (Banco Santander S.A.; Europe's 4th largest rival) | [[banco-sabadell]] (Spain #4 rival; survived BBVA hostile takeover bid 2024-2025) |
|---|---|---|---|---|---|
| Operator | Bankinter S.A. (BME: BKT) | Banco Bilbao Vizcaya Argentaria S.A. (BME: BBVA; NYSE: BBVA) | CaixaBank S.A. (BME: CABK) | Banco Santander S.A. (BME: SAN; NYSE: SAN) | Banco de Sabadell S.A. (BME: SAB) |
| Type | Spanish top-tier bank + Madrid HQ + post-Jul 2025 EVO Banco merger absorbing 767K total + 330K active customers + Bankinter Spain + Portugal + Ireland + Luxembourg footprint + Bankinter Línea Directa Aseguradora insurance + Bankinter Consumer Finance | Spain #1 + global + BBVA Móvil + Garanti BBVA Turkish 86%+ subsidiary + 28M+ Mexican customers via BBVA Mexico | Spain #2 + post-Mar 2021 Bankia €4.3B all-stock merger + 21M+ CaixaBank customers + Now CaixaBank distinctive Spanish online subsidiary | Europe's 4th largest + world's 16th-largest banking institution + multiple country subsidiaries (UK + Brazil + Mexico + Argentina + Chile + Poland + US + Portugal) + Santander Móvil 28M+ MAU | Spain #4 + survived BBVA hostile takeover bid 2024-2025 + TSB UK 2025 sale to Santander UK + Banco Sabadell HQ Alicante |
| Country | ES + PT + IE + LU | ES + 12+ countries | ES + PT | ES + 12+ countries | ES + UK (TSB; sold 2025) |
| Distinctive | Jun 4 1965 Banco Intercontinental Español (Bankinter) founding in Madrid by Banco Santander + Bank of America joint venture; 1972 Bankinter spun off from Santander + Bank of America; 2012 EVO Banco founding as Novacaixagalicia digital subsidiary; 2019 Bankinter EVO Banco Apollo Global Management acquisition; Jul 2025 EVO Banco fully integrated into Bankinter → Bankinter's digital bank | 1857 Banco de Bilbao founding; 1988 Banco Bilbao + Banco Vizcaya merger; 1999 BBV + Argentaria merger to BBVA | 1904 Caja de Pensiones para la Vejez founding (CaixaBank predecessor); 2007 Caixa d'Estalvis founding via 30 Catalan savings banks merger; Mar 2021 Bankia €4.3B all-stock merger | 1857 Banco Santander founding in Santander, Cantabria; 2007 ABN AMRO Brasil acquisition via consortium; 2010 Abbey UK rebrand to Santander UK | 1881 Banco de Sabadell founding in Sabadell, Catalonia; 2024-2025 BBVA hostile takeover bid attempt + survived |
Status
Active, Spanish top-tier bank + post-Jul 2025 EVO Banco merger absorbing 767,000 EVO total customers + 330,000 EVO active customers [1, 2, 3, 4]:
- Bankinter S.A. (BME: BKT) since Jun 4 1965 Banco Intercontinental Español (Bankinter) founding in Madrid by Banco Santander + Bank of America joint venture + 1972 Bankinter spun off from Santander + Bank of America.
- Jul 2025 EVO Banco merger absorbing 767K total + 330K active customers + EVO Banco becomes Bankinter's digital bank.
- Bankinter Spain + Portugal + Ireland + Luxembourg footprint + Bankinter Línea Directa Aseguradora insurance + Bankinter Consumer Finance.
- Banco de España + ECB regulated.
Sources
- 1 How Bankinter's takeover of EVO affects bank customers in Spain — The Local
- 2 FAQs EVO products migrated to Bankinter — Bankinter
- 3 Bankinter Mobile App — Bankinter
- 4 The disaster following the merger of EVO Banco with Bankinter — Barbierika
- es-cro In-corpus:
reports/countries/ES-spain.md
Source
Biography extracted from bankinter.md. See matrix.md for standards-support matrix if present.