# Bankinter

> Source: https://docs.barcoder.ai/docs/wallets/bankinter
> research date 2026-05-30 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [Bankinter — official](https://www.bankinter.com/)

## 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** <sup>[1][1], [2][2], [Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup>. **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** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **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) <sup>[1][1], [2][2], [3][3]</sup>.

**Dec 2025 — Industry reports describe disaster following EVO Banco merger with Bankinter** (technical migration issues + customer service complaints) <sup>[4][4]</sup>.

## 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 + imagin](https://docs.barcoder.ai/docs/wallets/caixabank) (Spain #2; post-Mar 2021 Bankia €4.3B all-stock merger) + [Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain) (Banco Santander S.A.; Europe's 4th largest + world's 16th-largest banking institution; multiple country subsidiaries) + [Banco Sabadell](https://docs.barcoder.ai/docs/wallets/banco-sabadell) (Spain #4; survived BBVA hostile takeover bid 2024-2025) + Openbank (Santander digital subsidiary) + [Unicaja Banco](https://docs.barcoder.ai/docs/wallets/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 + imagin](https://docs.barcoder.ai/docs/wallets/caixabank) (Spain #2 rival; post-Mar 2021 Bankia €4.3B all-stock merger) | [Banco Santander (Spain parent)](https://docs.barcoder.ai/docs/wallets/santander-spain) (Banco Santander S.A.; Europe's 4th largest rival) | [Banco Sabadell](https://docs.barcoder.ai/docs/wallets/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** <sup>[1][1], [2][2], [3][3], [4][4]</sup>:
- **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]: https://www.thelocal.es/20250528/how-bankinters-takeover-of-evo-affects-bank-customers-in-spain "How Bankinter's takeover of EVO affects bank customers in Spain — The Local"
[2]: https://www.bankinter.com/banca/en/faqs/evo-products-migrated-bankinter "FAQs EVO products migrated to Bankinter — Bankinter"
[3]: https://www.bankinter.com/banca/en/help/bankinter-mobile-app "Bankinter Mobile App — Bankinter"
[4]: https://www.barbierika.com/en/2025/12/11/the-disaster-following-the-merger-of-evobanco-with-bankinter/ "The disaster following the merger of EVO Banco with Bankinter — Barbierika"
[es-cro]: https://docs.barcoder.ai/docs/payments/ES

- [1] [How Bankinter's takeover of EVO affects bank customers in Spain — The Local][1]
- [2] [FAQs EVO products migrated to Bankinter — Bankinter][2]
- [3] [Bankinter Mobile App — Bankinter][3]
- [4] [The disaster following the merger of EVO Banco with Bankinter — Barbierika][4]
- <sup>[Spain report](https://docs.barcoder.ai/docs/payments/ES)</sup> In-corpus: `reports/countries/ES-spain.md`

## Source

Biography extracted from [bankinter.md](https://docs.barcoder.ai/source/wallets/bankinter). See `matrix.md` for standards-support matrix if present.