{"id":9655,"date":"2025-12-10T11:43:22","date_gmt":"2025-12-10T11:43:22","guid":{"rendered":"https:\/\/tst.finantia.es\/frequently-asked-questions\/"},"modified":"2026-08-25T14:29:12","modified_gmt":"2026-08-25T14:29:12","slug":"frequently-asked-questions","status":"publish","type":"page","link":"https:\/\/www.finantia.es\/en\/frequently-asked-questions\/","title":{"rendered":"Frequently Asked Questions"},"content":{"rendered":"\t\t
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1<\/span>\/6<\/strong><\/span><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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This number indicates the risk level of the product, where 1\/6 represents the lowest risk and 6\/6 the highest risk.<\/p>\n<\/div>\n

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Banco Finantia S.A Sucursal en Espa\u00f1a is a member of the Portuguese Deposit Guarantee Fund, which guarantees deposits up to a limit of \u20ac100,000 per depositor and institution. The rates offered apply to deposits with a minimum amount of \u20ac50,000.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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(This risk indicator applies to the promotional fixed-term deposits advertised on the website)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Frequently Asked Questions<\/h1>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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About Banco Finantia<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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When was Banco Finantia founded? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Banco Finantia began its activity in 1987<\/strong> as a financial services company<\/strong>. In 1988<\/strong>, it evolved into an Investment Company<\/strong>, and since 1992<\/strong> it has operated as a bank<\/strong>.<\/p>\n

In 2001<\/strong>, Banco Finantia entered the Spanish market through the acquisition of Banco Esfinge<\/strong> and Inverbolsa<\/strong>, strengthening its international presence. Since then, it has built a track record of sustained growth<\/strong> and specialisation in financial and investment services<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is Banco Finantia a Portuguese bank? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia<\/strong> is a financial institution incorporated under Portuguese law<\/strong>, 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<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What is the size of Banco Finantia? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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As of 31 December 2024<\/strong>, Banco Finantia reported approximately \u20ac2,483 million in total assets, more than \u20ac484 million in equity, and around 250 employees<\/strong> on a consolidated basis.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Where are Banco Finantia S.A Sucursal en Espa\u00f1a branches located in Spain? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Banco Finantia S.A Sucursal en Espa\u00f1a has offices in Spain at 67 Avenida Men\u00e9ndez Pelayo in Madrid, 8 Paseo de Gracia in Barcelona, and 60 Calle Col\u00f3n in Valencia.<\/p>\n

To view the other locations<\/strong> of the Banco Finantia Group, please visit the Where we are<\/a> page.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Who is eligible to become a customer of Banco Finantia S.A Sucursal en Espa\u00f1a? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Individuals or organisations wishing to open deposits of \u20ac50,000 or more, or who are interested in the investment solutions offered by the Bank, may become customers of Banco Finantia S.A Sucursal en Espa\u00f1a.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Does Banco Finantia S.A Sucursal en Espa\u00f1a has a Homebanking platform? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia provides a\u00a0homebanking service accessible via desktop and mobile<\/strong>, available 24 hours a day.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Is Banco Finantia S.A Sucursal en Espa\u00f1a a safe bank? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia S.A Sucursal en Espa\u00f1a<\/strong>\u00a0operates with a specialized focus on Private Banking and Corporate & Investment Banking<\/strong>, maintaining financial strength and profitability ratios above the national and European averages.<\/p>\n

Our credibility is reinforced by international rankings, awards granted by independent entities, and the high level of satisfaction among our clients.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Homebanking and Transactions<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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Can I access my account information through Homebanking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes.\u00a0You may access your account information online, 24 hours a day<\/strong>, through Banco Finantia\u2019s homebanking service. Alternatively, you may obtain\u00a0support by telephone or through direct contact with your relationship manager<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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What type of information is available via Homebanking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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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<\/strong>.<\/p>\n

You can also complete or update your investor profile<\/strong>, obtain documentation such as statements and confirmations<\/strong>, and manage your transactions with a pre-set daily transfer limit<\/strong>, which can be adjusted according to your needs.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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How can I change my primary address, phone number or email address? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Updates to your address, telephone contacts, or email address must be\u00a0requested in writing, using the email address associated with your account<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I transfer funds to an international account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. Banco Finantia allows\u00a0international transfers\u00a0<\/strong>to be carried out, in accordance with the applicable limits, procedures, and regulations.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Can I initiate a transfer on a public holiday, Saturday or Sunday? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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Yes. You may log in to the homebanking service and schedule a transfer to an external account on\u00a0any day, including weekends and public holidays<\/strong>.\u00a0Transfers are processed on the next business day<\/strong>. If the instruction is submitted on a non-business day, it will be executed on the first subsequent business day.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Account Opening and Management<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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How can I open an account with Banco Finantia S.A Sucursal en Espa\u00f1a? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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A deposit account with Banco Finantia S.A Sucursal en Espa\u00f1a may be opened in person at Banco Finantia\u2019s premises<\/strong>. The full list of respective addresses is available on the \u201cWhere We Are<\/a>\u201d page.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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Required documentation for account opening: <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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To open an account with Banco Finantia S.A Sucursal en Espa\u00f1a, the following documents are required<\/strong>:<\/p>\n

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  • Citizen Card or Residence Certificate;<\/strong><\/li>\n
  • Proof of address<\/strong>, such as a utility bill (water, electricity, or gas) or a driving licence;<\/li>\n
  • Proof of occupation and employer, applicable to each account holder<\/strong>\u00a0(for example, a payslip, an employer\u2019s declaration, or a retiree\/pensioner card).<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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    Is any additional relationship required with Banco Finantia S.A Sucursal en Espa\u00f1a? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    No additional linkage to Banco Finantia S.A Sucursal en Espa\u00f1a is required <\/strong>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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    Can my account have more than one holder? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    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 Espa\u00f1a.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    How can I operate my account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    Your account may be operated through bank transfers<\/strong>, carried out in accordance with the pricing schedule in force, using\u00a0homebanking<\/strong>, the\u00a0app FinantiaNet<\/strong>, with the support of your account manager<\/strong>, or through in-person service at a Banco Finantia S.A Sucursal en Espa\u00f1a.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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    What are the account operating conditions? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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    They depend on the ownership regime defined\u00a0at account opening:<\/p>\n

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    • Single account:<\/strong> In the name of a single holder, and may be operated only by the holder or their legal representative;<\/li>\n
    • Joint and several account:<\/strong> In the name of multiple holders, under a joint and several arrangement whereby any of the holders may carry out transactions without requiring the authorization of the others.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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      How do I know my account is open? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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      After your account has been opened, you will receive an initial email to confirm and validate your details.<\/p>\n

      Once this validation has been completed, a second email will be sent with all the relevant account<\/strong> information, including your client details, account number, IBAN, SWIFT code, and homebanking access credentials<\/strong>.<\/p>\n

      These two steps confirm that your account is active and ready to be used<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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      Instant Transfers<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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      What are instant transfers? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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      Instant transfers are payment transactions that allow funds to be transferred between bank accounts within the SEPA<\/strong> (Single Euro Payments Area) in real time, available 24 hours a day, 7 days a week<\/strong>.<\/p>\n

      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.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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      How do instant transfers work? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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      To make an instant transfer, simply access\u00a0Homebanking or the FinantiaNet app<\/strong>\u00a0and follow the steps below:<\/p>\n

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      1. Under Transfers<\/strong>, select New transfer or internal transfer<\/strong>;<\/li>\n
      2. Under Select an option<\/strong>, choose New transfer<\/strong>;<\/li>\n
      3. Enter the transfer recipient by providing the\u00a0IBAN, mobile phone number, or Tax Identification Number (NIF\/NIPC)<\/strong>;<\/li>\n
      4. On the next screen, you will need to enter the required transfer details, including whether you wish to make a standard<\/strong> or instant transfer<\/strong>;<\/li>\n
      5. With the VOP system, the\u00a0name of the first account holder<\/strong> is returned in the first field so that you can confirm that it is the correct destination account:\n
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        1. If it matches, the transfer can proceed;<\/li>\n
        2. If it does not match, a message will be displayed allowing you to confirm or amend the information;<\/li>\n<\/ol>\n

          <\/li>\n

          \t<\/p>\n

        3. Finally, all the transfer details will be displayed so that you can\u00a0confirm the transaction before it is executed<\/strong>.<\/li>\n

          <\/ol>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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          What are the advantages of instant transfers? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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          Instant transfers offer several advantages for our clients:<\/p>\n

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          • Speed<\/strong>: Funds are made available in the recipient\u2019s account within just a few seconds, regardless of the day or time;<\/li>\n
          • Continuous availability<\/strong>: The service is available 24 hours a day, 7 days a week, including weekends and public holidays;<\/li>\n
          • Simplicity<\/strong>: The transfer may be carried out using the IBAN, mobile phone number, or Tax Identification Number (NIF\/NIPC), making the process more flexible and convenient;<\/li>\n
          • Security<\/strong>: The system validates the beneficiary\u2019s identity in advance before completing the transaction, reducing the risk of errors and fraud;<\/li>\n
          • Alignment with current needs:<\/strong> The service meets the growing demand for speed and autonomy in banking operations, providing a modern, efficient, and practical digital experience.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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            Are there limits? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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            By default, a daily limit of \u20ac20,000 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.<\/p>\n

            Requests to amend the limit may be submitted in the following ways:<\/p>\n

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            • Through Online Banking, with the new limit becoming available after a 12-hour waiting period;<\/li>\n
            • By telephone, through your account officer;<\/li>\n
            • At a branch or by email, by completing the limit amendment request form provided by your account officer.<\/li>\n<\/ul>\n


              \nWhere the request is made directly through the relationship manager, the new limit will be available immediately.
              \n<\/strong><\/p>\n

              The client may define either a daily limit or a per-transaction limit<\/strong>. The daily limit<\/strong> corresponds to the maximum amount that may be transferred in a single day<\/strong>, 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<\/strong> applies individually to each transfer<\/strong>, allowing multiple transactions to be carried out provided that none exceeds the defined amount.<\/p>\n

              If the client sets a limit below \u20ac20,000<\/strong> (the Bank\u2019s default limit), this will become the new applicable limit until further notice<\/strong>. If the client requests an increase to the limit<\/strong>, the increased limit will remain active for 24 hours<\/strong>, after which it will revert to the previously configured limit, the default limit of \u20ac20,000, or any lower amount defined by the client.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              Do instant transfers have additional costs? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              No. They have the same cost as normal transfers, according to the\u00a0applicable price list<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              Can instant transfers be made to any account? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              No<\/strong>. Instant transfers are only available for\u00a0accounts within the SEPA area.<\/strong><\/p>\n

              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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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              VoP Service<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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              What is the VoP (Verification of Payee) service? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              VoP (Verification of Payee) is a feature that allows you to\u00a0verify whether the name of the beneficiary indicated as the recipient<\/strong>\u00a0of a transfer matches any of the holders of the account to which you intend to make the transaction.<\/p>\n

              In this way, it helps\u00a0ensure that the transfer is being made to the correct account and beneficiary<\/strong>.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              How do VoP and CoP work during a transfer? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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              When initiating a transfer, the user enters the recipient\u2019s IBAN<\/strong> or BIC<\/strong> and may also provide the name of the beneficiary<\/strong> to whom the transfer is to be made.<\/p>\n

              <\/p>\n

              At a later stage in the process<\/strong>, before confirming the transaction, the system verifies whether the beneficiary name provided matches that of one of the account holders of the destination account.<\/strong><\/p>\n

              <\/p>\n

              If there is a match, the transfer can proceed as normal. If any discrepancy is identified, a notification<\/strong> will be displayed, allowing the user to review the information and decide whether to proceed with the transaction.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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              What are the advantages of VoP? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                \n
              • Reduce el riesgo de error<\/strong>, evitando transferencias a cuentas incorrectas;<\/li>\n
              • Refuerza la\u00a0prevenci\u00f3n del fraude<\/strong>, alertando sobre posibles inconsistencias en los datos;<\/li>\n
              • Aumenta la\u00a0transparencia<\/strong>\u00a0y la\u00a0confianza<\/strong>\u00a0en el proceso de transferencia;<\/li>\n
              • Funciona en\u00a0tiempo real<\/strong>, disponible las 24 horas del d\u00eda, los 7 d\u00edas de la semana;<\/li>\n
              • No tiene coste<\/strong>\u00a0para el usuario y est\u00e1 disponible autom\u00e1ticamente en FinantiaNet.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t
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                Do I need to activate the VoP service? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                No. These services are\u00a0automatically available\u00a0<\/strong>on Banco Finantia\u2019s digital platforms, with no need for subscription or activation by the user.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Corporate and Investment Banking<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t
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                What is Banco Finantia\u2019s Corporate and Investment Banking? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Banco Finantia\u2019s Corporate & Investment Banking<\/strong>\u00a0division is the specialized area\u00a0dedicated to supporting companies through financing solutions, financial advisory services, and capital markets transactions<\/strong>, operating both in Portugal and in international markets.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Who can benefit from these services? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                National and international companies\u00a0<\/strong>that require financing solutions, capital restructuring, debt issuance, or advisory services in strategic transactions, including mergers, acquisitions, and other growth or corporate reorganization initiatives.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                Does Banco Finantia have international experience? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Yes. Banco Finantia has a\u00a0strong international presence and extensive experience in\u00a0cross-border<\/em>\u00a0transactions<\/strong>, 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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t

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                What type of capital markets operations are carried out? <\/div><\/span>\n\t\t\t\t\t\t\t\n\t\t\t<\/path><\/svg><\/span>\n\t\t\t<\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t
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                Banco Finantia carries out capital markets transactions that include\u00a0bond<\/strong>\u00a0placements, including\u00a0green bonds<\/em>, and the issuance of\u00a0commercial paper<\/strong>, acting as a\u00a0dealer\u00a0<\/em>or as a placing agent in programmes of varying amounts and maturities. These transactions are structured to support companies\u2019 financing needs, ensuring efficiency, regulatory compliance, and access to national and international investors.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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                Contact us<\/h2>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t
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