Bankinter Luxembourg S.A.

Bankinter Luxembourg S.A. is the Luxembourg-based subsidiary of the Spanish Bankinter Group, operating as a credit institution under Luxembourg law and supervised by the Commission de Surveillance du Secteur Financier, within the euro area Single Supervisory Mechanism framework. The institution focuses on private banking and wealth management for international and non-resident clients, offering multi-currency accounts, term deposits, custody and brokerage, discretionary portfolio management, investment funds and structured products, and secured lending such as Lombard facilities and selected real estate financing, subject to eligibility, collateral, and jurisdictional constraints. Payment capabilities typically include LU IBAN accounts, SEPA credit transfers and direct debits, card services, and cross-border payments via correspondent networks, with e-banking channels for remote access; service languages generally include English and Spanish, with additional languages depending on staff. Account opening requires standard KYC/AML documentation and source-of-funds verification; cross-border arrangements are handled under applicable EU passporting and information-exchange regimes, including CRS and FATCA. Eligible deposits are covered by the Luxembourg deposit guarantee scheme (Fonds de garantie des dépôts Luxembourg) up to EUR 100,000 per depositor per institution, and certain investment claims fall under the Luxembourg investor compensation scheme (Système d’indemnisation des investisseurs) up to statutory limits. Fees, minimum relationship sizes, product availability, order execution conditions, value dating, and FX pricing are defined in the bank’s general terms, tariff schedules, and pre-contractual documentation; suitability and appropriateness assessments apply where required by MiFID II. Clients should review the regulatory disclosures and consider the legal and tax implications of using a Luxembourg-based institution in their country of residence.