Order EHA/2899/2011, of 28 October, on transparency and the protection of banking services clients (Official State Gazette of 29 October) and the Banco de España Circular 5/2012, of 27 June , on the transparency of banking services and responsible lending (Official State Gazette of 6 July), establish that Spanish credit institutions and the Spanish branches of foreign credit institutions must publish and make available to Banco de España, certain statistical information on the type of interest and the fees. These are frequently applied to banking services provided frequently to clients who are natural persons, in the format established in Annex 1 of said Circular, on the operations carried out every calendar quarter for the different product and client profiles included in said Annex.
The aforementioned Order and Circular also establish that Spanish credit institutions and the Spanish branches of foreign credit institutions that allow tacit overdrafts in deposit accounts or tacitly allow credit accounts to exceed their credit limits, shall publish, for the benefit of their clients who are natural persons, the types of interest and fees applicable in these scenarios. This information must also be provided by the institutions to Banco de España in the format established in Annex 2 of the Circular 5/2012.
As a result of the modification introduced in Annex 1 of the Circular 5/2012 by the entry into force of the Circular 2/2019, of 29 March, from 1 July 2019 onwards, the information submitted in the aforementioned Annex 1 does not include certain sections related to the services included in the list of the most representative services linked to payment accounts, as envisaged in the Royal Decree-Law 19/2017.
The information provided by the institutions on these types of interest and fees may be consulted at the following link: