It needs a second surname and a DNI. While the pre-requisites do NOT list you HAVE to be Spanish, it turns out you just HAVE TO be Spanish. As in Hungary there is NO second surname, NOR, albeit being a Spanish resident for 4 years donI have a DNI - and I won't, unless I.become citizen. So next time, when you want to play nationalistic, just say it from the beginning!
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Bankinter, SA,, is a Spanish bank with headquarters in Madrid.