EVO stands as one of Spain’s largest digital banks and operates as Bankinter’s fully digital division. Its journey began in 2012 when it emerged as the first bank born after the great financial crisis, introducing a Smart Banking concept with a mission to modernize money management through new technologies. Today, EVO is recognized as one of the most technologically advanced digital banks in the market, offering a complete financial service for customers who prefer not to visit a physical branch for everyday needs.
In EVO’s view, simply being digital is not the differentiator. Many readers already bank with traditional lenders that provide strong online services. EVO prioritizes an all digital vision, ensuring that services, products, and experiences are faster, simpler, and more efficient for the customer.
By avoiding heavy commercial or technological scaffolding, EVO has led the way in adopting technologies that others later integrate. Examples include a one click approach to contracting and managing products, artificial intelligence systems that simplify access to investments once reserved for large portfolios, and a seamless omnichannel, personalized service that keeps the customer from switching banks based on the contact channel.
Digital banking has matured beyond being a novelty. Mass adoption accelerated after the pandemic as millions realized digital services can be reliable and convenient. EVO does more than replicate traditional banking online; it provides innovative services that improve usability. Cash handling remains a non digitizable area, yet EVO supports one of the largest cash withdrawal and deposit networks in Spain through partnerships with Correos and more than 18,000 ATMs.
Digital banking is no longer limited to a younger, urban, tech savvy audience. EVO is positioned to be the primary bank for anyone who owns a mobile device and seeks a comprehensive, high quality service for every financial need across life stages.
EVO has redesigned its investment offering to serve two distinct client profiles effectively. First, people who want to save and invest but are unsure how, can access passive investment services that provide broad, efficient diversification across thousands of assets worldwide. Second, clients who know what they want can access a market leading trading platform with exceptional experience and competitive pricing.
For index management, the focus is on funds and exchange traded funds (ETFs) that deliver the best rate and access to top managers. These vehicles are favored for their efficiency and broad appeal, with EVO’s trading account activation taking less than a minute to begin investing.
Index funds and ETFs offer practical advantages: they track a reference index, reduce asset selection and management costs, and provide robust diversification compared with many active strategies. The main distinction with an ETF is that it trades on an exchange and has a daily net asset value, making it a hybrid between a stock and a traditional fund.
To help clients discover suitable investment solutions, EVO has partnered with Morningstar to provide an ETF search engine. This tool gives access to the full ETF catalog and allows filtering by risk, profitability, composition, and sustainability, enabling investors to tailor choices to individual profiles without being overwhelmed by large fund selections.
Different investment approaches meet different needs. Active management serves investors who understand market opportunities and prefer hands on oversight, supported by a platform with more than 15,000 assets worldwide. In some regions, EVO offers commission-free trading. Whether it is index management, a roboadvisor with smart algorithms, index funds, or ETFs, EVO offers options designed to withstand market volatility and deliver competitive returns over the medium to long term.
User experience is considered equally important as the product itself when contracting, monitoring, and operating investments. Accessibility, transparency, usability, and cost form the four pillars of EVO’s investment platform.
The EVO Smart Fund presents a two compartment approach with fixed income and stock, requiring no minimum investment and positioning itself as a unique market offering. The Smart Fund blends two investment strategies into one fund using technology, enabling investors to adjust allocations between short-term fixed income and variable income with a simple mobile gesture. This approach provides regional diversification across Europe and Asia, with a thoughtful distribution meant to adapt to changing market conditions.
With this fund, users can always decide which portion to favor for cautious or bold strategies, creating more room to react to market stress or to seize opportunities when markets stabilize or rise.
Being a digital bank supports cost efficiency, enabling EVO to offer zero commissions and competitive rates across paid accounts, mortgages, investments, and more. The aim is to be a reliable, long term partner that minimizes the need for customers to jump between offers for better terms.
Technology remains a critical competitive edge. EVO has built a robust, agile technology platform to support not only in-house innovations but also industry-wide advancements. Data has become a central driver for decision making and for delivering personalized, real-time experiences.
A core goal is to translate the complexity of the tech world into a clear, friendly perspective for customers. EVO is committed to pioneering AI technologies and has been an early adopter of combining big data with intelligent assistants that help users understand and manage their personal finances more comfortably. This approach marks EVO as a forward thinker in digital banking, bringing practical AI tools to everyday financial life.