Banco Santander vs Bankinter: which is better? Comparison 2026
By our public methodology Banco Santander scores 96 out of 100 and Bankinter scores 93. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Banco Santander | Bankinter | |
|---|---|---|
| Safety | 100 | 100 |
| Digital services | 86 | 86 |
| Products | 100 | 100 |
| Transparency | 100 | 83 |
Pros and cons
Banco Santander
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
Bankinter
- Wide range of products for private customers
- Long track record as a licensed bank
- Member of a deposit protection scheme
- Holds its own current rating from a recognised agency
Facts side by side
| Fact | Banco Santander | Bankinter |
|---|---|---|
| Licensed since | 1857 santander.com | 1965 bankinter.com |
| Deposit protection | Yes fgd.es | Yes fgd.es |
| Agency rating | Yes santander.com | Yes bankinter.com |
| Annual reports online | Yes santander.com | Yes bankinter.com |
| Mobile app | Yes bancosantander.es | Yes bankinter.com |
| Open an account online | Yes bancosantander.es | Yes bankinter.com |
| Instant payments | Yes bancosantander.es | Yes bankinter.com |
| 24/7 support | Not verified | No bankinter.com |
| Retail lines offered (of 6) | 6 bancosantander.es | 6 bankinter.com |
| Tariffs online | Yes bancosantander.es | Yes bankinter.com |
| Deposit rates online | Yes assets.santandermedia.com | Yes bankinter.com |
| Complaints procedure published | Yes bancosantander.es | Yes bankinter.com |
| Branches in the country | 1,827 bancosantander.es | Not verified |