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Mortgage lending

Pursuant to the provisions of Order EHA/2899/2011, of 28 October, on transparency and the protection of banking services customers, you can consult the guidelines for obtaining a mortgage at this branch.

Consumers wishing to formally arrange a mortgage loan for a property in the Autonomous Community of Andalusia have the right to be provided with a list of the legally required documentation (IDEP), setting out all the documents that they must be provided with through to the formal arrangement of the agreement. Decree Law 5/2019, of 17 December amending Law 3/2016 of 9 June on the protection of the rights of consumers and users in property mortgage loan agreements (Official Gazette of the Regional Government of Andalusia No. 247 of 2019).

In reference to Royal Decree Law 1/2017 you are hereby informed that we have information available on the Prior Claim Procedure and Refund of Floor Clauses as set out in these regulations as well as the relevant claim form.

Banca March, S.A. adheres to the “Code of Good Practice for the viable restructuring of mortgage-backed loans for primary residence”, approved in Royal Decree Law 6/2012, of 9 March, on urgent measures to protect low income mortgage debtors. However, in accordance with the resolution by Spain's Cabinet on 11 May 2021, Banca March would like to inform its customers that it has decided not to adhere to the Code of Good Practice for the purposes of renegotiation in the case of customers with guaranteed financing, as per Royal Decree Law 5/2021, of 12 March.

Pursuant to RDL 19/2022 we provide you with the Guideline of tools for mortgagors experiencing financial hardship.

Interest rates, fees and rates

Pursuant to Bank of Spain Circular 5/2012 of 27 June for credit institutions and payment service providers on the transparency of banking services and responsibility for granting loans, you are hereby informed that the following information is available, having been duly updated and to the date in question:

Payment services

Pursuant to the provisions of Rule 7 in Bank of Spain Circular 2/2019, of 29 March, on the requirements of the Informative Document on Fees and the Statement of Fees, and payment account comparison websites, we hereby provide with the list of the most representative services associated with payment accounts and the Informative Document on Fees.

Pursuant to Order ECE/1263/2019, of 26 December, on the transparency of information requirements and conditions applicable to service payments, you are hereby informed that information is available about your main rights and obligations when making payments. You can view the “Your rights when making payments in Europe” by clicking here.

Basic payment account and transfer of the payment account

Banca March, S.A. hereby informs you that it provides the necessary information in relation to opening a basic payment account, its minimum services, conditions, applicable fees or free of charge for people at risk of financial exclusion or those deemed vulnerable, as well as any information needed to reques the payment account transfer, pursuant to Royal Decree Law 19/2017, of 24 November, on basic payment accounts, the transfer of payment accounts and the comparability of fees, Royal Decree 164/2019, of 22 March, establishing a free system for basic payment accounts for those deemed vulnerable or at risk of financial exclusion and Order ECE/228/2019.

Deposit Guarantee Fund

For the purposes of Royal Decree 2606/1996 of 20 December on the Deposit Guarantee Funds of Credit Institutions, and its subsequent amendment under Royal Decree 1012/2015, of 6 November, you are hereby informed that Banca March, S.A. is adhered to the Deposit Guarantee Funds of Credit Institutions located at Calle José Ortega y Gasset, 22 - 5ª planta, 28006 Madrid, email:, web:, tel.: +34 91 431 66 45.

Monetary deposits that are guaranteed have a maximum limit of €100,000 per depositing party, regardless of the previous limit, up to a maximum of €100,000 for deposits in securities and financial instruments guaranteed and entrusted to the institution. These limits are applicable to both natural and legal persons, regardless of the number and class of deposits guarantees or the financial instruments and securities guaranteed in which they feature as the holder, pursuant to the provisions of Article 4 et seq. of the aforementioned Royal Decree. For more information please click here.

Discount and interchange rates

In compliance with the provisions of article 13 of Law 18/2014, and of Circulars 1/2015 of 24 March  and 1/2016 of 29 January which develop said law, we hereby provide you with the quarterly information on discount and interchange rates.

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