Any person wanting to provide banking, electronic money, payment or other financial services supervised by the Banco de España must have prior authorisation.
The criteria and procedures to be followed depend on the type of institution concerned:
- Credit institutions – banks, savings banks and credit cooperatives
- Foreign institutions through branches or representative offices or operating under the freedom to provide services regime
- Payment institutions
- Electronic money institutions
- Owners of currency-exchange bureaux
- Other –, specialised lending institutions, mutual guarantee companies and reguarantee companies
Any doubts or issues about specific planned projects can be raised with the Banco de España’s Authorisation Division through the following contact form
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