Rates and Charges

General index (PDF, 200 kB)

Chapter 1 (PDF, 86 kB) - GENERAL CONDITIONS.

  • General conditions applicable to all transactions, regardless of currency and country of origin or destination.

Chapter 2 (PDF, 124 KB)- DRAFTS AND CREDIT ADVANCES: DISCOUNT, CHARGE And REFUND MANAGEMENT.

  • Discounting and managing collection of notes and credits.
  • Refunds of defaulted notes and credits.

Chapter 3 (PDF, 88 kB) - NEGOCIACION, CHEQUES COMPENSATION And PAYMENT, PROMISSORY NOTES And OTHER DOCUMENTS.

  • In euros payable on the domestic market.
  • In foreign currency or in euros payable abroad.

Chapter 4 (PDF, 89 kB) - ISSUANCE OF CHEQUES, PROMISSORY NOTES And OTHER DOCUMENTS FEE-PAYING.

  • Issued in euros on the domestic market.
  • Issued in foreign currency or in euros by non-residents.

Chapter 5 (PDF, 201 kB)- PAYMENT SERVICES ISSUING ENTITIES FOR DIRECT DEBITING.

    • Presentation for collection and cash collection.
    • Refunds.

Chapter 6 (PDF, 246 kB) - PAYMENT SERVICES TRANSFERS And OTHER PAYMENT ORDERS ON THE NATIONAL MARKET.

    • Transfers issued in euros.
    • Money orders and other payment orders.
    • Transfers issued in foreign currencies.
    • Transfers received in foreign currency.

Chapter 7 (PDF, 326 KB) - PAYMENT SERVICES TRANSFERS And OTHER CROSS-BORDER PAYMENT ORDERS.

    • Preliminary items.
    • Issue of transfers.
    • Receipt of transfers.

Chapter 8 (PDF, 200 kB)- PAYMENT SERVICES CARDS.

      • Cards, issue and possession of media.
      • Cards, transactions.
      • Retailers.

Chapter 9 (PDF, 198 kB) - PAYMENT SERVICES SERVICES OF NEETING, CASH POOLING And SIMILAR.

Chapter 10 (PDF, 281 kB) - PAYMENT SERVICES DEMAND ACCOUNTS.

    • Administration, maintenance, overdrafts and other items.

Chapter 11 (PDF, 24 kB) - SAVINGS BANKS OF RENT.

  • Safety deposit box rental

Chapter 12 (PDF, 182 kB) - VARIOUS SERVICES RENDERED.

  • Certifications, signatures and copies of documents.
  • Custody of documents.
  • Acquisition, management or presentation of documents.
  • Other services rendered.
  • Export credit assurance management, parties insured in collective policy with CESCE.

Chapter 13 (PDF, 173 KB) - PAYMENT SERVICES SERVICE GROUPINGS: Flat Rate.

Chapter 14 (PDF, 90 kB) - SERVICES OF REMOTE Banking.

  • Remote banking services.

Chapter 20 (PDF, 74 kB) - LOANS, CREDITOS And OVERDRAFTS IN CALL Accounts.

  • Loans.
  • Credits.
  • Overdrafts on current accounts and savings accounts.

Chapter 21 (PDF, 84 kB)- LINES OF FUNDING.

  • Trade discounts and credit advances.
  • Foreign trade.
  • Guarantees.

Chapter 22 (PDF, 93 kB) - GUARANTEES PRE-GUARANTEES And OTHER GUARANTEES.

  • Guarantees, pre-guarantees and other guarantees.

Chapter 23 (PDF, 80 kB) - LEASING.

  • Financial leasing (leasing).

Chapter 24 (PDF, 81 kB) - FACTORING.

  • Factoring.

Chapter 25 (PDF, 82 kB) - CONFIRMED PAYMENT management.

  • Management of confirmed payments and supplier payment service.

Chapter 26 (PDF, 84 kB) - FINANCING OF FOREIGN TRADE OPERATIONS

  • Financing of imports and exports.
  • Public Debt Market in account entries.

Chapter 50 (PDF, 78 kB) - FOREIGN TICKET purchase-sale And CURRENCIES.

Chapter 51 (PDF, 39 kB) - IMPORT OPERATIONS.

  • Buying and selling foreign banknotes.
  • Foreign currency forwards.
  • Options over foreign currencies.
  • Issue of ordinary credits, letters of credit and other payment orders.
  • Payment of ordinary remittances and documentary credits.

Chapter 52 (PDF, 50 kB) - OPERATIONS OF EXPORTACION.

  • Documentary collection, 'stand by' letters of credit and documentary payment orders.
  • Collection of ordinary remittances and documentary credits.

Securities Chapter (PDF, 60 kB)