1/6
This number indicates the risk level of the product, where 1/6 represents the lowest risk and 6/6 the highest risk.
Banco Finantia S.A Sucursal en España is a member of the Portuguese Deposit Guarantee Fund, which guarantees deposits up to a limit of €100,000 per depositor and institution. The rates offered apply to deposits with a minimum amount of €50,000.
(This risk indicator applies to the promotional fixed-term deposits advertised on the website)
Banco Finantia began its activity in 1987 as a financial services company. In 1988, it evolved into an Investment Company, and since 1992 it has operated as a bank.
In 2001, Banco Finantia entered the Spanish market through the acquisition of Banco Esfinge and Inverbolsa, strengthening its international presence. Since then, it has built a track record of sustained growth and specialisation in financial and investment services.
Yes. Banco Finantia is a financial institution incorporated under Portuguese law, with predominantly national private capital. Over the past decades, it has developed an international expansion strategy through subsidiaries and representative offices, with a presence in Spain, the United Kingdom, the United States of America, and Malta.
As of 31 December 2024, Banco Finantia reported approximately €2,483 million in total assets, more than €484 million in equity, and around 250 employees on a consolidated basis.
Banco Finantia S.A Sucursal en España has offices in Spain at 67 Avenida Menéndez Pelayo in Madrid, 8 Paseo de Gracia in Barcelona, and 60 Calle Colón in Valencia.
To view the other locations of the Banco Finantia Group, please visit the Where we are page.
Individuals or organisations wishing to open deposits of €50,000 or more, or who are interested in the investment solutions offered by the Bank, may become customers of Banco Finantia S.A Sucursal en España.
Yes. Banco Finantia provides a homebanking service accessible via desktop and mobile, available 24 hours a day.
Yes. Banco Finantia S.A Sucursal en España operates with a specialized focus on Private Banking and Corporate & Investment Banking, maintaining financial strength and profitability ratios above the national and European averages.
Our credibility is reinforced by international rankings, awards granted by independent entities, and the high level of satisfaction among our clients.
Yes. You may access your account information online, 24 hours a day, through Banco Finantia’s homebanking service. Alternatively, you may obtain support by telephone or through direct contact with your relationship manager.
Through our online banking service, you can view statements, balances and transaction history, access information about the products you have subscribed to and your financial assets, subscribe to products, and make secure transfers.
You can also complete or update your investor profile, obtain documentation such as statements and confirmations, and manage your transactions with a pre-set daily transfer limit, which can be adjusted according to your needs.
Updates to your address, telephone contacts, or email address must be requested in writing, using the email address associated with your account.
Yes. Banco Finantia allows international transfers to be carried out, in accordance with the applicable limits, procedures, and regulations.
Yes. You may log in to the homebanking service and schedule a transfer to an external account on any day, including weekends and public holidays. Transfers are processed on the next business day. If the instruction is submitted on a non-business day, it will be executed on the first subsequent business day.
A deposit account with Banco Finantia S.A Sucursal en España may be opened in person at Banco Finantia’s premises. The full list of respective addresses is available on the “Where We Are” page.
To open an account with Banco Finantia S.A Sucursal en España, the following documents are required:
No additional linkage to Banco Finantia S.A Sucursal en España is required for the opening and maintenance of a current account. Clients may open and maintain their account without the obligation to subscribe to any additional products or services.
Yes. It is possible to associate more than one account holder with the same account. The inclusion of additional holders is subject to the submission of the required documentation for each party, in accordance with the requirements defined by Banco Finantia S.A Sucursal en España.
Your account may be operated through bank transfers, carried out in accordance with the pricing schedule in force, using homebanking, the app FinantiaNet, with the support of your account manager, or through in-person service at a Banco Finantia S.A Sucursal en España.
They depend on the ownership regime defined at account opening:
After your account has been opened, you will receive an initial email to confirm and validate your details.
Once this validation has been completed, a second email will be sent with all the relevant account information, including your client details, account number, IBAN, SWIFT code, and homebanking access credentials.
These two steps confirm that your account is active and ready to be used.
Instant transfers are payment transactions that allow funds to be transferred between bank accounts within the SEPA (Single Euro Payments Area) in real time, available 24 hours a day, 7 days a week.
Unlike traditional transfers, which may take several hours or even business days to be processed, instant transfers are completed in just a few seconds, regardless of the day or time at which they are made.
To make an instant transfer, simply access Homebanking or the FinantiaNet app and follow the steps below:
Instant transfers offer several advantages for our clients:
By default, a daily limit of €20,000 applies to both standard and instant transfers. This limit may be amended by the client through Online Banking or by contacting their relationship manager directly.
Requests to amend the limit may be submitted in the following ways:
Where the request is made directly through the relationship manager, the new limit will be available immediately.
The client may define either a daily limit or a per-transaction limit. The daily limit corresponds to the maximum amount that may be transferred in a single day, based on the aggregate value of all transactions carried out, provided that the total does not exceed the applicable limit while it remains in force. The per-transaction limit applies individually to each transfer, allowing multiple transactions to be carried out provided that none exceeds the defined amount.
If the client sets a limit below €20,000 (the Bank’s default limit), this will become the new applicable limit until further notice. If the client requests an increase to the limit, the increased limit will remain active for 24 hours, after which it will revert to the previously configured limit, the default limit of €20,000, or any lower amount defined by the client.
No. They have the same cost as normal transfers, according to the applicable price list.
No. Instant transfers are only available for accounts within the SEPA area.
It is not possible to make instant transfers to accounts outside the SEPA area or to accounts in foreign currencies, such as dollars or other currencies.
VoP (Verification of Payee) is a feature that allows you to verify whether the name of the beneficiary indicated as the recipient of a transfer matches any of the holders of the account to which you intend to make the transaction.
In this way, it helps ensure that the transfer is being made to the correct account and beneficiary.
When initiating a transfer, the user enters the recipient’s IBAN or BIC and may also provide the name of the beneficiary to whom the transfer is to be made.
At a later stage in the process, before confirming the transaction, the system verifies whether the beneficiary name provided matches that of one of the account holders of the destination account.
If there is a match, the transfer can proceed as normal. If any discrepancy is identified, a notification will be displayed, allowing the user to review the information and decide whether to proceed with the transaction.
No. These services are automatically available on Banco Finantia’s digital platforms, with no need for subscription or activation by the user.
Banco Finantia’s Corporate & Investment Banking division is the specialized area dedicated to supporting companies through financing solutions, financial advisory services, and capital markets transactions, operating both in Portugal and in international markets.
National and international companies that require financing solutions, capital restructuring, debt issuance, or advisory services in strategic transactions, including mergers, acquisitions, and other growth or corporate reorganization initiatives.
Yes. Banco Finantia has a strong international presence and extensive experience in cross-border transactions, supported by a network of partners in major financial centres. This global reach enables the Bank to support companies in international transactions with efficiency, rigor, and close engagement.
Banco Finantia carries out capital markets transactions that include bond placements, including green bonds, and the issuance of commercial paper, acting as a dealer or as a placing agent in programmes of varying amounts and maturities. These transactions are structured to support companies’ financing needs, ensuring efficiency, regulatory compliance, and access to national and international investors.
