Services

Interest and fees rates

Interest and fees rates regularly applied in most frequent operations regarding non-business customers profiles.

The Order EHA/2899/2011 of October 28th, on banking services transparency and customer protection (BOE of 29th) and the Circular from the Bank of Spain 5/2012 of June 27th on transparency on banking services and responsibility in lending (BOE of July 6th) establish that credit entities and branches in Spain of foreign credit entities will publish and send to the Bank of Spain certain information concerning the interest and fees rates generally applied to banking services most often provided to their non-business customers in the format required in Annex 1 from this Circular, in regard to provided operations quarterly about the different product profiles and customers expressed at this annex.

Most recent information provided by the entities about such interest and fees rates is available at this page.

• Banks: Trimestre 2012/4, Trimestre 2013/1
• Saving banks: Trimestre 2012/4, Trimestre 2013/1
• Credit cooperatives: Trimestre 2012/4, Trimestre 2013/1
• Specialised credit institutions: Trimestre 2012/4, Trimestre 2013/1

Interest and fees rates for tacit overdrafts in accounts of deposits and exceeded tacit in credits

The Order EHA/2899/2011, de 28 de octubre, on bank services transparency and customer protection (BOE of 29) and the Circular of the Bank of Spain 5/2012 of June 27, on transparency in banking services and responsibility in lending (BOE of July 6), establish that credit entities and branches in Spain of foreign credit entities allowing tacit overdrafts in accounts of deposits or exceeded tacit in those of credits, will publish, for non-business customers, the interest rates and fees regularly applied to this services, information that also has to be sent to Banco de España.

At the following link is available the latest information provided by the entities on these interest rates and fees

• Banks
• Saving Banks
• Credit Cooperatives