• What is a digital signature and how can I obtain one?

    The digital signature is a numerical password between five and eight characters that you will obtain at the time of the contracting of the service. This key is necessary to carry out certain operations in the digital service channels, such as anyone who require mobilisations of funds (transfers, internal transfers, tax payment,?), contracting of products, modification of conditions, etc.

    If at the time of carry out an operation of this kind do not have your digital signature or this is found blocked, will be able to create a new one from Bankia Online or from the App Mobile phone. Additionally can unblock your digital signature key in any ATM of Bankia introducing one of your operational cards.

    And if you prefer, you can also visit a Bankia branch where they will be able to give it to you.

  • How can I pay a tax?

    Bankia has agreements established with large number of utility and financial companies, Town Councils, etc. therefore allowing you to comfortably pay your bills and taxes through our digital channels.

    To pay the bills or tax contributions can do it so much from our App Bankia's Mobile phone as from our OnlineBankia, in which also will be able to consult our Search engine of Issuers.

  • How can I operate online?

    If you are already Bankia's client can give you of registration from the button ?Access clients? that you will find in the right header of the web portal, clicking then in the button ?Request keys?.

    If you are not yet Bankia's client, can give you of registration in our website accessing the button ?Do you client? located at the header of the web portal. Or if you prefer, you can visit any of our branches.

  • What is the renting?

    It is a long-term rental which includes all the services required to keep the vehicle in perfect condition.

  • 2. How can I sign up for the service?

    • Download and/or update the Bankia Wallet app on your phone from GooglePlay.
    • Enter with your Bankia Online codes.
    • On the side menu of side, register in the Mobile Payment section.
    • Select the card with which you wish to pay.
    • Ready!

    Mobile payment screenshot Mobile payment screenshot

  • 10. How will I know if the payment has been made correctly?

    Will be indicated if the reading has been correct or incorrect via a notification of user.

    Correct: Large Bankia Wallet application screen Incorrect:
  • What you can include within the contract of renting?

    The services included depend on the type of product, as they are pre-established for Campaigns and cannot be changed. In the case of Personalised Renting contracts, they can be tailored according to the customer's needs.

  • 19. Does Mobile Phone Payment work in all shops?

    Mobile Phone Payment currently works in all shops with contactless technology.

  • What services include the campaigns?

    • The lease of the vehicle.
    • Preventive and corrective maintenance.
    • Comprehensive insurance with no excess and with a fixed premium.
    • Unlimited replacement of tyres, including for punctured and burst tyres.
    • Courtesy vehicle for up to 15 days each time the vehicle is immobilised for bodywork and paintwork repairs.
    • Breakdown assistance service starting at km 0, 24 hours a day, 365 days a year.
    • Customer Service available 24 hours a day, 365 days a year.
    • Management of fines through the administrative procedure.
    • Registration and delivery expenses.
    • The taxes inherent to the registration and ownership of the vehicle.

    This product includes the standard services of the market, plus the most complete coverages that make Bankia Renting a first-class product of the utmost quality.

  • What are the costs of taking out a mortgage?

    The costs of taking out a mortgage are:

    • Valuation costs for the property to be mortgaged.
    • Notarial expenses for the deed signing.
    • Entry in the property registry.
    • Stamp Duty.
    • Cost of the "gestoría" that will undertake and follow up all the administrative procedures described.
  • How can I do a simulation of a mortgage?

    On our website you can access a mortgage simulator that will allow you to find out which mortgage best suits your needs and the costs associated with the purchase of your home.

  • What is a stop-loss order?

    Stop-loss orders are levels or sales points that a customer can set on a position of which they are the titleholder. They are useful for limiting losses in a securities trading operation when the price quoted for a security is above that level.

    The objective of this kind of order is to prevent an operation generating a loss greater than that which the customer is willing to take on.

  • How can I consult the IBAN code of an account?

    To find out your IBAN, log in to Bankia Online and take a look at your account (it's shown at the top).

  • What is FinanExpress? What are the main features?

    The FinanExpress Service it allows postponing, in up to 12 months, your expenses of the day by day in the easiest way and fast.

    These can be both your direct debit bills and any purchases you make with your debit or credit card, you will be able to receive offers via text message, Oficina Internet, mobile App or at ATMs, which will allow you to pay in installments of up to 12 months instantly.

  • What is the APR?

    APR (Annualised Percentage Rate): This is the effective annual cost of the loan. It not only takes into account the initial interest rate, but also any possible interest rate revisions, the repayment term and the commissions linked to the transaction.

    In summary, it is the actual interest rate you will pay on your loan.

  • What fees are charged on the cards?

    Thanks to the programme FOR BEING YOU, the clients with direct billing incomes do not pay fee in its usual debit cards and also can have until four dropped out of free cash a month in foreign ATMs (Banco Sabadell and euro 6000).

    See conditions of the programme (PDF, 125 kB).

    You can find out the card fees in the book of Tariffs and feesor in your branch.

  • What is an interest rate derivative?

    It is a contract through which two parties agree, for a period of time, an exchange of obligations and/or payment rights, calculated on the same face value.

  • How can I change the limits on my card?

    If need modify the limit of your credit card can do it via Bankia Online or addressing to any branch of Bankia.

  • How do I calculate the return of an investment fund?

    The return of an investment fund in a certain period is calculated as the percentage of variation of the net asset value at the end date of the period and the net asset value at the start of the said period.

    If what you want to know is the return on your holdings in the fund, that is, the percentage of profit or loss you have obtained with your invested money, you have to calculate the percentage of variation of the net asset value between the subscription date (purchase of the holdings) and the reimbursement date (sale).

  • What is a consumer loan?

    It is a loan in which the contracted amount must be spent on the acquisition of consumer goods, products or services such as household appliances, vehicles, furniture, travel, etc.

  • 18. Is there any limit on transactions?

    Each card associated with Mobile Phone Payment will have a limit of 30 transactions to be made using this service. When you access Bankia Wallet, this number of operations will be renewed automatically without the need for the customer to take any special action.

    When the number of operations is reaching its limit, you will be prompted to renew them by a message in Notifications.

    Bankia Wallet screenshot

  • What types of insurance policies can I contract?

    Bankia places at your disposal a wide range of policies to cover all your insurance needs.

  • What is the net asset value?

    The net asset value is the price of each share at one moment. It is calculated by dividing the equity of the fund between the number of shares in circulation at that particular moment.

    In general, the managing company calculates the net asset value daily and has the obligation of announcing it via its website and the stock exchange bulletins.

    There are certain funds that, due to their nature or the characteristics of the assets they invest in, can calculate the net asset value more frequently.

  • What is a loan?

    It is a contract through which the lender advances a cash amount (the principal) to the borrower, who is obliged to repay the principal and an agreed amount of interest.

  • What is Bankia Wallet?

    Bankia Wallet is the app of Bankia that you you allow managing and operate with your cards Bankia.

    Among the available operations, you will be able to change the PIN of your Sticker cards, check your transactions and other basic card data, the expiry date and the CVV you need to make online purchases. Additionally you will be able to transfer money from a credit card to an account (Dinero Ya) and pay money into your cards.

    The Bankia Wallet App can be downloaded free of charge from Apple Store and Google Play Store or, if you prefer, capture and download it from our QR code.

  • Can I set up direct debits in the account?

    You can pay them and pay by direct debit through our ATM network and our digital service channels in the easiest way:

    • Select the option "Bill payment".
    • Follow the indications: issuer details, amount, etc.
    • Check the details and accept the operation.
    • You can setup your bills to be paid by direct debt at the time of payment by marking the option YES in the "Direct Debit Billing" section.

    We take care of everything necessary to transfer your direct debits in the most convenient and secure way for you.

  • What is Dinero Ya? What are the main features?

    With the service Money can Already transfer balance from your card to your account Bankia associated, within the available credit limit at the time. All you have to do is transfer the balance from your card to the account associated with it.

  • What is a guarantee?

    A commitment signed by an individual or company, normally in a credit document, by which they agree to meet the repayment commitments of another person if that person fails to meet them.

  • I have have contracted some additional product for the buy/sell of forward exchange?

    For the contracting of the buy/sell of forward exchange have have set up a Line Comex or a Line of Derivatives. Likewise, to contract any exchange rate derivative you will need to have set up a Derivatives Facility and signed a CMOF contract.

  • What is a spot rate?

    A cash transaction is carried out to apply to operations that are settled with a value date of two market business days; exceptionally, and only in certain currencies, it is possible to contract operations with a 0 and one market business day value.

  • 16. An error appears on the POS when I try to pay

    We suggest you try again. If the error persists, we recommend you pay with a physical card. Under certain specific circumstances, a POS may not work correctly with Mobile Phone Payment.
    In the case of any doubt, or if the error persists, you should contact your branch to confirm that the card is operational.

  • How can I contract deposits on the Internet?

    Contract a deposit on the internet is very easy, accesses Bankia Online, enters the menu Deposits and clicks in Contracting.

  • What are exchange rate derivatives? Does Bankia markets these products?

    Exchange rate derivatives are alternative products to Forex insurance that allow our clients to obtain the best conditions to cover their exchange rate risk. Combining options and activating/deactivating barriers we can build made to measure covers for our customers' needs.

  • What other financing possibilities are available to me?

    In the field of individuals put at your disposal new financing services, among which we emphasise the service FinanExpress, as well as the service Money Already.

  • What is iupay!?

    iupay! it is a free service that will make your online shopping faster, simpler and more secure.

    Works as a virtual portfolio where will have collected all your cards. You will just have introduce the details when registering the first time via Bankia Online or of the App Bankia's Mobile phone.

    The main advantages iupay! offers you: are:

    • Security for your online shopping; only Bankia will have access to that information.
    • Quick and easy shopping.

    If you wish give you of registration just have access Bankia Online or to the App Bankia's Mobile phone where will have all the information that need.

  • 15. My wallet or purse has been stolen. Can I keep using my mobile phone to pay?

    If the physical card has been cancelled, payments are automatically invalidated, without the need to make any adjustment to the telephone. Although the card will continue to be set up on the phone, any attempted transactions will be rejected, as the card has been cancelled. To continue paying with your mobile phone, you will have to select another card.

  • 14. How can I deactivate the mobile phone payment service?

    Large Bankia Wallet application screen

    You just have to disassociate the card associated with Mobile Phone Payment. When you deactivate it, all the information on the phone related to payments will be erased and you will not be able to operate with it until you select a card again.

  • 6. How do I know if I have NFC (Near Field Communication) activated?

    NFC technology is a wireless communication technology (like Bluetooth or Wi-Fi) and you can activate it in your telephone settings.

  • 3. Is my telephone compatible?

    The mobile phone must have the Android operating system v. 4.4 or later and NFC technology. It is not available for the iPhone.

  • 5. I haven't received the SMS with the activation code, What should I do?

    You must have your mobile phone confirmed and updated with Bankia. If it is not, you can update it at an ATM or your Bankia branch.

  • How can I return a bill?

    You will be able to do a refund of a bill from Movements selecting Return Bill in:

    • The Bankia App.
    • Bankia Online.

    Remember that you can also see a PDF version of the original transaction receipt.

  • What are structured products?

    Structured products as an investment alternative are characterised by having their return linked to the evolution of certain underlying factors. These can be market indexes, share baskets, interest rates, inflation, currencies, etc. There is a multitude of different structures that depend mainly on the conditions that need to be fulfilled to reach the different levels of return of the product.

  • How can I purchase structured products?

    To buy structured products it is necessary to consider not only the potential returns of each product, but also the risks associated with them.

    There are two major categories of products structured as investments: structured deposits and structured bonds. The former have the same guarantee as a traditional deposit in terms of the recovery of the principal invested; in the case of the latter, depending on the structure, part or all of the principal may be placed at risk.

    A very important additional difference is the guarantee of each product, which in the case of deposits is given by the institution in which the deposit is constituted; in the case of structured bonds it is given by the issuer and, where applicable, a guarantor, regardless of the body through which it was acquired.

  • What documentation do you need to study my loan?

    • Identity document.
    • Annual Personal Income Tax return.
    • Payslip/Pension or quarterly Personal Income Tax return (in the case of freelancers).
    • Payment commitments.
    • Documentary proof of the investment.
  • What is a trading of forward exchanges?

    A trading of forward exchanges is applied to operations whose maturity date is higher than two business days of market, being a very flexible product when allowing advances (use before the contracted maturity) and extensions (area of the contracted maturity).

  • What is a structured deposit?

    A structured deposit has its return linked to the evolution of certain underlying factors. These can be market indexes, share baskets, interest rates, inflation, currencies, etc.

    There is a multitude of different structures and they vary mainly according to the conditions that have to be met to reach different levels of return.

    Structured deposits have the same guarantee of the return of the principal as a traditional deposit.

  • What is the exclusion period of a life insurance?

    We do not apply an exclusion period to life insurance, the coverage is effective from the moment you contract the insurance.

  • Can I check the IBAN and the transactions on my account with Banca Móvil?

    From Bankia's Mobile App you can check the balance and movements of your accounts and move funds (transfers, bill payments, etc.) quickly, conveniently and securely.

    You will also have your accounts available in IBAN format with functions that will allow you to conveniently copy your account number in that format.

  • How can I check a card's expiry date and CVV code?

    The CVV is the card verification code that normally needs to be given when making online purchases. In Visa Cards and MasterCard the CVV is 3 digits and is found in the reverse, together with the reserved space for the signature. In American Express cards, they are 4 digits and appear on the back of the card. The card's expiry date can be found between the card number and the name of the account holder.

    Additionally can consult these details comfortably from the App Bankia.

  • How can I receive payment from my pension plan?

    There are various ways to receive payment of the amounts saved in your pension plan, in the provisions. Your asset manager will advise you on which is the most beneficial to you for tax purposes. The ways of receiving payment are:

    • Capital: The provision is received in an only charge.
    • Financial incomes: You set the amount you wish to receive and the frequency of payment until all the accumulated capital has been paid out. In this way, you benefit from the interest that continues to be generated by the unconsumed capital in the pension fund. This formula can be adapted to your financial needs at any particular time, as it allows you to freely modify the amounts and the frequency of payment.
    • Insured incomes: The amounts you receive are fixed and contracted with an insurance company, which guarantees payment of the income in the previously established period. The conditions of this income cannot subsequently be modified.
    • Collections without regular frequency: The money is available in the form of payments without an established frequency.
    • Mixed: A combined provision is received, partly in capital and partly in financial income. The combination of the way of receiving payment can be freely modified.
  • What is a mortgage?

    A mortgage is an operation through which a financial institution makes us a loan in accordance with the investment and our risk profile, usually to purchase a home.

  • Can I buy or sell shares via my Bróker Móvil?

    If, via the App Bankia's Mobile phone will be able to access the operations of securities trading nationals. From your Share Account you will be able to sell the shares you have deposited with Bankia, as well as buy new stocks or shares.

    If you don't have Bankia's Mobile App yet, capture our QR and download it free of charge.

  • What are the tax advantages of contributing to pension plans?

    A pension plan can offer significant savings on tax payments. which will be greater the higher the income of the participant. This saving is made possible because the amount of the contributions can be deducted from the general base of your Personal Income Tax, as long as you earn income from work or economic activities.

    The annual contribution limit is 8,000 euros and the tax deduction limit is the lesser of the following amounts: the amount paid in or 30% of net earnings from work and economic activities during the financial year. Additionally, if your spouse does not receive earnings from work or economic activities or earns less than 8,000 euros a year, you will be able to deduct from your general personal income tax assessment basis the contributions to pension plans of which your spouse is the titleholder up to a maximum of 2,500 euros a year.

    Once you begin to receive payments from your pension plan, the amounts you receive (benefits) are considered as earned income for tax purposes and the shareholder/taxpayer must declare them on their income tax return.

    Given that the way of receiving payments is flexible it is important that you take advice on which is most beneficial to you for tax purposes. In the event of the death of the titleholder of a pension plan, the beneficiaries will pay tax on the amounts received as earned income on their personal income tax statement. They are not subject to Inheritance and Gift Tax.

    This information is in accordance with the current legislation and may be modified in the future.

  • 4. Can I use mobile payment if I have the Bankia Wallet Sticker on my phone?

    No. If you want to use Mobile Phone Payment you must remove the sticker.

  • Insurance Policies: forecast

    If you want to know more about this subject, we offer you the following links:

    Insurances. Forecast (PDF, 1.19 MB).

  • What are the differences between a current account and a savings account?

    The difference between a savings and a current account is that a current account has full transactionality and can have an associated payment card and chequebook. A savings account pays interest, but has operational limitations.

  • What is a loan agreement?

    A document which implements the granting of a loan by a financial institution.

  • Need credit carried out the test MiFID for the buy/sell of forward exchange or derivatives?

    So much the buy/sell of forward exchange as the ones derived from exchange rate are classified such as complex products according to the standard MiFID, which is why is essential credit carried out the tasks MiFID before its contracting.

  • How can I contract a pension plan?

    On our website of the Pension Plans portal, within the Saving and Investment section, you will find all the information you need.

    Through our simulator, depending on your age, your saving capacity and your return expectations, you can find out which plans best suit your needs and proceed with the sign-up process via Bankia Online.

    If you prefer, you can also visit a Bankia branch.

  • How can I set up direct deposit for my paychecks?

    You can set up direct deposit for your paychecks by telling your employer the IBAN of your Bankia current account.

    If you want, fill in the attached form (PDF, 30 kB), print it and send it to your company.

  • What types of renting does Bankia offer?

    Bankia does not market this product directly.

  • What operations can I carry out via my Bróker Móvil?

    With the Bankia's mobile phone app you will be able to check the position and movements of your securities accounts, buy and sell national securities and consult their quotations. You will also have market information with the evaluation of the main reference rates.

  • What are the different types of investment fund?

    • Fixed Income Funds: they invest in assets of fixed income (obligations and bonds, bills, promissory notes...).
    • Equity Funds: the majority of the assets of these funds is invested in stock. Sub-categories are established according to the market in which investment is made and the business sectors.
    • Mixed Funds: they invest both in fixed-interest financial securities and in income values variable. The larger the percentage of variable income, the greater expected return and risk.
    • Guaranteed Funds: funds that they guarantee the invested principal more a return, fixed or variable, to a future certain date.
    • Funds of Funds: they invest more than 50% of its assets in other investment funds.
    • Global Funds: funds that they do not fit in none of the previous categories, for not having the obligation of setting the percentage to invest in assets of fixed income and/or variable or its assets' credit rating.
  • What is a deposit?

    A bank deposit is a savings product in which the money is invested at a certain period, receiving a return.

    Bankia offers various contracting possibilities to find the perfect combination between return and period.

  • How should I choose my credit card?

    See our card catalogue and if you need advice about choosing a credit card, go to any Bankia branch.

  • What is a mobilisation between funds and how is it taxed?

    It is an operation whereby an individual transfers, in whole or in part, the investment made in one investment fund to another fund.

    With this operation you make a total or partial withdrawal of the shares you have in an investment fund to place the amount withdrawn in shares of another fund. In this way, the reimbursed amount is transferred directly from the source fund to the target fund, together with the fiscal information.

    For you, as an investor, the movements do not affect your personal income tax as there is a deferral regime under which, when the amount obtained in the reimbursement or transmission of shares in an investment fund is allocated to the acquisition or subscription of other shares in investment funds, they will not be computed as a capital gain or loss, and the new shares subscribed to will maintain the value and the date of acquisition of the transferred or reimbursed shares.

    The deferral system will not apply the amount derived from the reimbursement or transmission of the holdings in the investment fund is placed at the taxpayer's disposal by any means or, as the case may be , the subscription or acquisition is addressed to holdings in quoted investment funds, nor when it is addressed to shares in listed variable-capital investment firms, or in the case of unit holders of banking assets funds. You must take into account that a movement of investment funds entails a reimbursement and a subscription. Therefore you will have to pay the subscription or reimbursement fees if this is provided for in the fund brochures.

  • What is a Cap?

    A Cap is a product that covers possible interest rate rises. Through this product the customer is assured a maximum interest rate in exchange for the payment of a single premium at the start of the operation.

  • 12. Can I withdraw cash from ATMs?

    Yes, is possible to carry out reimbursements in Bankia ATMs with technology Contactless. It will be necessary to type in the pin always.

  • 13. Can I return a purchase?

    Yes, just as with a normal card, you will be able to obtain refunds for purchases, as long as you have selected the same card with which you made the purchase.

  • 11. Do I need the PIN to make a purchase?

    You will have to type your PIN into the contactless terminal when the purchase is for € 20 or more.

  • What is the waiting period in a health insurance policy?

    Most of the health insurance's benefits begin to accrue on taking out the insurance, but the insured may sometimes have to wait to use some specific services included.

    For example, if the insured requires a surgical operation, the grace period will be 6 months.

  • In a life insurance what tax will have to be paid in the event of the death of the insured person?

    • If the beneficiary is an individual, the payment will be subject to Inheritance and Gift Tax (if there are several beneficiaries, each will pay tax on the part that corresponds to them).
    • If the beneficiary is a legal entity the payment will be subject to corporation tax.
  • How can I consult the details of my insurance policy?

    All the insurance that they have contracted our clients can consult in Bankia Online.

  • How change the password?

    The most comfortable way of modifying the access code via Bankia Online. At the top of all the pages selects in the Keylink and you will be able to manage your electronic signature or create a new one.

    Remember that if you are a multi-access customer and you change your signature, it will be changed for all of Bankia's digital service channels.

    In addition, if you change your password, the PIN number of your associated card will also be changed.

  • 1. What is mobile payment?

    A service available from Bankia that allows customers to pay in shops using their mobile phone, with no need for a physical card.

  • What is an investment fund?

    An investment fund is type of collective investment institution (CII) without a legal entity whose capital consists of the contributions of the investors, known as shareholders.

    They are established for the purpose of obtaining a return in the interest of the total capital, offering shareholders a series of benefits derived from that union of the capital of a large number of investors that said investors would be unable to obtain individually.

  • How can I open an account?

    You can open an account on Bankia Online by entering the Accounts/Sign up menu.

  • Can I make a money transfer with my mobile phone?

    If, from the App Bankia's Mobile phone will be able to carry out transfers comfortably from anywhere. You just need your electronic signature password in order to validate the operation.

  • Which are the main advantages of the renting for an individual?

    • Integrates in a single payment services that they should contract for separate.
    • It allows using a vehicle without anticipating no amount.
    • Saving of time in the total management of the vehicle made by the company of renting.
    • Assistance to a great control and planning of expenses.
    • It allows having new vehicles periodically, which consequently the image is improved and more efficient vehicles is had and insurance.
    • Deletes the loss of value in the sale of the used vehicle.
    • Any authorised person by the holder of the contract can use the vehicle.
  • Which are the main advantages of the renting for a company?

    • Integrates in a single payment services that they should contract for separate.
    • It allows using a vehicle without anticipating no amount.
    • Is achieved access special purchase conditions which involves a smaller monthly fee of the rent.
    • Assistance to a great control and planning of treasury.
    • Is a deductible expenditure, being able to be it until its entirety, according to the percentage of use affection to the occupation for freelance professionals and companies.
    • The VAT/IGIC is compensable in the same applied percentage as a deductible expenditure.
    • It allows having new vehicles periodically, which consequently the image of the company is improved and more efficient vehicles is had and insurance.
    • Increases the time at the disposal of the company as a productive good.
    • Deletes the loss of value in the sale of the used vehicle, as well as other incidental expense risks.
    • Simplifies the management and control.
    • Any authorised person by the holder of the contract can use the vehicle.
  • What is the Quality guarantee Bankia?

    In certain models in which this special condition is outstanding in the offer, the client-if it is not satisfied - will be able to return the vehicle without penalty one. To come from this way will not have elapsed credit the term of a month from the date of made available communicated by Alphabet, the vehicle has not suffered no external nor internal damage (unless the damage was owed a defect from manufacture) and carried out are not had with him more than 1,000 kilometres. This guarantee is of an only use by client.

  • I can modify characteristics of the vehicle and/or of the price in the campaigns?

    In the campaigns there is no negotiation of prices nor of characteristics of the vehicle, only you will be able to choose the term and the mileage and in some colour cases, although in Customised Renting contractings you will be able to shape the car to its taste, with the optional, colour and accessories that the client wishes.

  • What type of vehicles you can contract?

    All the vehicles that you can drive with the driving licence B, standard family cars and light commercial vehicles until 3,500 Kg of Weight Limit.

  • Which is the duration and the mileage that you can contract?

    The term more frequent is 48 months, although you can contract between the 24 and the 60 months and from 10,000 km/year at 180,000 km in the total of the contract. In the case of the campaigns, will be selected between certain terms and mileages prearranged.

  • The term of the contract is mandatory?

    Yes, the contracted term is which predominates to give validity to the contract, since the fact of arriving at the contracted total mileage before the completion of the term, does not involve the completion of the contract. In the event of wanting in advance cancel the contract, this establishes a penalty of 50% of the outstanding installments.

  • You can expand or reduce the contracted mileage or term?

    Yes, a would be done recalculo for the sake of variety conditions of term and/or mileage and therefore the fees would vary as a result.

  • What happens if I want cancel before complying with the contracted term?

    In the event of wanting in advance cancel the contract, the contract establishes a penalty of 50% of the outstanding installments.

  • What happens if it comes over or it does not arrive at the contracted km?

    So much if is produced excess as a defect in the kilometres carried out with regard to the negotiated, in the contract appears the receivable amount or to pay as appropriate.

    The fact of exceeding the contracted total mileage, does not involve the completion of the contract, being the term of contracting, the indicator of reference for the validity of the contract.

  • How the excess is settled/defect of mileage of an early cancellation, volunteer or accidental?

    A streamlining will be done of the prorated mileage to the date of completion.

  • Whose is the one owned by the vehicle?

    The vehicle is owned by the company of Renting, that yields the use and it enjoys to the client, for the contracted time, in exchange for a monthly fee.

  • Where the vehicle is delivered?

    The vehicle will be delivered in an Official Concessionaire of the chosen brand. With general character will be the closest one to your address.

  • Where are done the maintenances?

    Alphabet has a streamlined network of workshops to ensure a service with the maximum quality that it gives coverage across the Whole of Spain. When need carry out a maintenance for the vehicle, contacts with us and you will manage the previous appointment with our preferred workshop for your maximum comfort.

  • What type of insurance is included with the contract of Renting?

    For the Campaigns the surely is included is a comprehensive insurance without fixed at a premium franchise, that is, without review nor for CPI, nor for accident rate. Is a type of surely has a level of great coverages to the usual one of the market and that therefore it would have a high contracting amount when trying match it with a particular insurance.

    In addition, only in the cases of Customised Renting, there are other types of insurance, as they can be the open insurance of reviewable premium (surely varies annually because of CPI and accident rate) and the comprehensive insurance with franchise of premium reviewable. These types of insurance are contractible to choice of the client.

  • Who can drive the vehicle?

    Any person that has in force suitable driving licence for circular in Spain, regardless of the driving licence age or longevity.

  • Whom covers the insurance of the Renting?

    Covers to the driver and to the occupants with level of coverages higher than the standard of the market of individuals.

  • I can go to the foreigner with the vehicle?

    Yes, you can travel to the foreigner as long as it requests authorisation to Alphabet.

  • Is necessary to be Bankia's client in order to be able to contract a renting?

    Yes, is necessary to be client and pay directly the payment of the fees in an account of Bankia.

  • What have do before any incidence that suffers the vehicle?

    Before any situation, are always available, 24 a day 365 days a year hours, in the 900 Bankia - 900 226 542.

  • ¿Puedo realizar una aportación inicial, que me permita reducir las siguientes cuotas? I can carry out an initial contribution, that I afford reduce following fees?

    Yes, you would be able to carry out an initial contribution that would allow reducing monthly fees of the contract. In the case of the campaigns will depend on the same.

  • I can contract a vehicle in the Canary Islands, Ceuta or Melilla?

    Yes, although in Canary Islands as in the Autonomous Cities, can give the case of that the contracted vehicle is not exactly the same one that in peninsula and economic and tax conditions would be able to do vary the monthly fee established in peninsula.

  • How are Managed the fines?

    After receiving the fine, you have communicate it to Alphabet via the telephone of attention 24 hours and there will receive the precise instructions to do which is considered in each case.

  • What is the DEV?

    The Electronic Address Vial, is one BBDD in which all companies of Renting have the legal obligation of updating with the name of the vehicle's lessor (just as is identified to the owner, exists the obligation of identifying to the leaseholder in the event of sanction).

    Has binding force for legal persons and volunteer for individuals from, on 2 October 2016.

  • Will inform Bankia Renting on when owes a client carry out the maintenances?

    No. The accountability of knowing and happening the maintenances with the frequency established by the manufacturer of the vehicle is of the client, although before any doubt will be able to consult us always via the 900 Bankia – 900 226 542.

  • Some extra amount will charge me to him if my car has a breakdown or damage that it exceeds of a maximum amount?

    Not, all the damages that it can suffer the car of accidental way, are included in the fee of Renting, so much accidents as those coming from those coming from mechanical breakdowns.

  • What happens if the vehicle is declared total loss because of total loss or theft?

    The contract would be cancelled, dated the catastrophe with no cost for the leaseholder, the part corresponding to the mileage would only be settled for its charge or deposit.

  • They are included the expenses of the ITV?


  • What have do to obtain me distinctive of Living in a city that has regulated parking lot areas?

    Once deliver you the vehicle, you will have get in touch with Alphabet via the 900 Bankia – 900,226,542, where you will provide the information and certificate necessary to its management before the corresponding City Council.

  • How a change of tyres is determined when they are unlimited?

    Are determined for the natural wastage of the tyre, thus you will be able to change the tyres so many times as it is necessary provided that the depth of the band of rodadura of the tyre is lower than the 2mm, being 1.6mm the minimum legal for circular.

  • You can install an accessory a vehicle from Renting, for example a tow luggage rack or ball?

    Yes, previous authorisation and communication to Alphabet. The vehicle is had return in the state in which was delivered.

  • You can do Renting of vehicles that need specific transformation?

    Yes, for this it will be necessary that you attach us the proforma of the transformation that you want carry out, such as a transformation to isotermo.

  • Is included the maintenance of the accessories included in the Renting?

    Not, for example, if a vehicle isotermo adds a machine of refrigeration this yes would be insured in the event of accident but you would not be cover for the maintenance contract.

  • You can label the vehicle?

    Yes, can request us that the lettering is included in the contract, or you can label moves away. The vehicle is had return as was delivered.

  • You can acquire the vehicle when finishing the contract?

    In the contracts of renting there is no call option, although you can request the market value of market to the completion of the contract and acquire the car in the event of being interested.

  • The client can choose the concessionaire to acquire the vehicle or it chooses Alphabet?

    At first not, will be Alphabet that which chooses the granting between the streamlined concessionaires.

  • How can I advise my home insurance in the event of claim?

    With a simple call to the telephone 91 8 365 365.