Rates and Charges

• Maximum fees, conditions and other costs payable by customers

Notice Board

• Compulsory declaration of interest rates for credit transactions
• Notifications
• Leaflet containing fees and charges to be paid by customers

Collective Investment Institutions

• Reports

Regulations on the Transparency of Bank Transactions and Customer Protection

In compliance with the established in article 9 of Order ECO/734/2004, we would like to inform our customers that the rules regulating transparency of bank transactions and customer protection when dealing with bank operations are contained in the following provisions:

• Order of the Ministry of Economy dated 12^th December 1989 on interest rates and fees, code of conduct, information to customers and publicity of financial institutions.
• Circular letter of the Bank of Spain 8/1990 of 7^th September on the transparency of bank operations and customer protection.
• Royal Decree 629/1993 of 3^rd May on the code of conduct in the securities markets and compulsory registers.
• Order of the Ministry of Economy dated 5^th May 1994 on the transparency of financial conditions for mortgage loans. 
• Law 7/1995 of 23^rd March on consumer credits.
• Order of the Ministry of Economy dated 25^th October 1995, as part development of Royal Decree 629/1993, dated 3^rd May, on the code of conduct for stock markets and compulsory registers.
• Circular letter of the Spanish Stock Market Commission 1/1996, of 27^th March, on rules of conduct, transparency and identification of customers when carrying out transactions with securities.
• Law 7/1998 of 13^th April on general contracting conditions.
• Law 9/1999 of 12^th April regulating the legal regime for transfers between EU member states. 
• Order of the Ministry of Economy dated 16^th November 2000, as development of Law 9/1999, of 12^th April, regulating the legal regime of transfers between EU member states as well as other dispositions relating to the processing of transfers in general terms. 
• Law 44/2002 of 22^nd November on measures to reform the financial system.
• Order PRE/1019/2003 of 24^th April on the transparency of prices for banking services delivered at cash dispensers.  
• Royal Decree 303/2004 of 20^th February approving the Regulations of the commissioners for the defence of customers when dealing with financial services.
• Order ECO/734/2004 of 11^th March on customer service departments and services and the ombudsman for financial institutions.