Rates and Charges

General index (PDF, 43 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, COLLECTION AND REPAYMENT MANAGEMENT

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

 

Chapter 3 (PDF, 88 kB) - NEGOTIATION, CLEARING, AND PAYMENT OF CHEQUES, 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 PAYMENT DOCUMENTS

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

 

Chapter 5 (PDF, 89 kB) - PAYMENT SERVICES ISSUING ENTITIES FOR DIRECT DEBITING.

  • Presentation for collection and cash collection.
  • Refunds.
  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 6 (PDF, 44 kB) - PAYMENT SERVICES TRANSFERS AND OTHER PAYMENT ORDERS ON THE DOMESTIC MARKET

  • Transfers issued in euros.
  • Money orders and other payment orders.
  • Transfers issued in foreign currencies.
  • Transfers received in foreign currency.
  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 7 (PDF, 29 kB) - PAYMENT SERVICES CROSS-BORDER TRANSFERS AND OTHER PAYMENT ORDERS

  • Preliminary items.
  • Issue of transfers.
  • Receipt of transfers.
  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 8 (PDF, 62 kB) - PAYMENT SERVICES CARDS

  • Cards, issue and possession of media.
  • Cards, transactions.
  • Retailers.
  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 9 (PDF, 89 kB) - PAYMENT SERVICES SERVICES FOR NEETING, CASH POOLING AND SIMILAR

  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 10 (PDF, 61 kB) - PAYMENT SERVICES DEMAND ACCOUNTS.

  • Administration, maintenance, overdrafts and other items.
  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 11 (PDF, 24 kB) - SAFETY DEPOSIT BOXES

  • Safety deposit box rental

 

Chapter 12 (PDF, 181 kB) - MISC. 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, 90 kB) - PAYMENT SERVICES SERVICE GROUPINGS: Flat Rate

  • Contains commission fees for payment services and is therefore not subject to any type of review by Banco de España.

 

Chapter 14 (PDF, 90 kB) - REMOTE BANKING SERVICES

  • Remote banking services.

 

Chapter 20 (PDF, 74 kB) - LOANS, CREDIT FACILITIES, AND OVERDRAFTS ON DEMAND ACCOUNTS

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

 

Chapter 21 (PDF, 84 kB)- FINANCING FACILITIES

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

 

Chapter 22 (PDF, 93 kB) - GUARANTEES, PRE-GUARANTEES AND OTHER SIMILAR

  • Guarantees, pre-guarantees and other guarantees.

 

Chapter 23 (PDF, 80 kB) - LEASE FINANCING

  • Financial leasing (leasing).

 

Chapter 24 (PDF, 81 kB) - FACTORING

  • Factoring.

 

Chapter 25 (PDF, 82 kB) - MANAGEMENT OF CONFIRMED PAYMENTS

  • 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) - BUY-SELL OF FOREIGN BANKNOTES AND CURRENCIES

 

Chapter 51 (PDF, 39 kB) - IMPORTING 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) - EXPORTING OPERATIONS

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

 

Securities Headings (PDF, 60 KB)