Faqs

  • 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.

    You can pay bills or taxes, both from our Bankia's Mobile Phone App and our Bankia Online, in which also will be able to consult our Search engine of Issuers.

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

    A digital signature is a numerical password of between five and eight characters that you will obtain when you sign up for 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, transfers, tax payment,…), contracting of products, modification of conditions, etc.

    If at the time of carrying out an operation of this kind you do not have your digital signature or it is blocked, you will be able to create a new one from Bankia Online or from the App Mobile phone. You can also unblock your digital signature password at any ATM of Bankia by inserting 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 operate online?

    If you are already a Bankia customer, you can register via the “Sign in” button that you will find in the top right-hand of the web portal, clicking on the link “Request passwords”.

    If you are not yet a Bankia customer, you can register on our website by clicking on the button “Register as a customer” button located in the website header. Or if you prefer, you can visit any of our branches.

  • How can I find the address of the nearest Bankia ATMs?

    On the website header you have a direct link to the Branch and ATM search engine, where you will find the addresses of all our ATMs and branches.

    If you access the Bankia app from any mobile device you will be able to find the nearest ATMs to your current location.

  • How can I find out the SWIFT (BIC) code of an account?

    The BIC (Bank Identifier Code), also known as the SWIFT code, is a series of eight or eleven alphanumeric characters that identify a financial institution or a branch of a financial institution. For all foreign transactions, you must use the Bankia IBAN and BIC (Bank Identifier Code) (CAHMESMMXXX). The aim of these two standards is to facilitate the automatic processing of cross-border payments.

  • How can I contact Bankia?

    In the website header you have a "Customer service”, where you will find our contact telephone numbers and all the information on our customer service channels.

    If you prefer, you can visit any of our Bankia branches in person. Find your nearest branch with the branch search engine in the web portal header.

  • What is the IBAN code?

    The International Bank Account Number (or IBAN) is a series of alphanumeric characters that uniquely identify an account held at a financial institution anywhere in the world. For all foreign transactions, you must use the Bankia IBAN and BIC (Bank Identifier Code) (CAHMESMMXXX). The aim of these two standards is to facilitate the automatic processing of cross-border payments.

  • What are the main fees charged by Bankia?

    At Bankia, we have removed fees for all our customers. Account administration and maintenance fees, fees for ordinary debit cards, fees for transfers with no limit and via any service channel… and, of course, we do not charge for paying in national cheques.

    You can consult the rest of the information and conditions of the programme JUST FOR BEING YOU. Additionally, you have all the information on Tariffs and Fees available in our footnote.

  • What is the factoring service?

    It is an integral service of management and financing of accounts receivable: Payment management and commercial loan advances that the company holds against third parties (debtors/drawees) and have previously ceded to Bankia.

    Aimed at companies that meet the following criteria: They work recurrently with your clients and invoice companies of recognised solvency with deferred payment periods.

  • How can I change the limits on my card?

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

  • 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 because the amount of the pension plan contributions is deducted from the general personal income tax assessment basis, as long as you obtain earned 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 that which is most beneficial 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.

  • What is the factoring service?

    It is an integral service of management and financing of accounts receivable: Payment management and commercial loan advances that the company holds against third parties (debtors/drawees) and have previously ceded to Bankia.

    Aimed at companies that meet the following criteria: They work recurrently with your clients and invoice companies of recognised solvency with deferred payment periods.

  • What fees are charged by the card companies?

    • Signing up for the card is free.
    • The maintenance fee is rebated starting from the fourth beneficiary card and successively. In addition, for each individual card on which 5,000 euros is spent on credit in the twelve months prior to the fee due date, said fee will be waived.
  • What types of renting does Bankia offer?

    Bankia does not market this product directly.

  • 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.

  • What are COI, EIB or EIF facilities?

    The aim of COI, EIB and EIF facilities is to provide financing for business projects and working capital in Spain for SMEs and the self-employed that benefit from the support of the European Union as part of the SME initiative, through more favourable economic conditions with respect to alternative credit sources. This allows Bankia to pass on a financial advantage to its customers in the financing of their projects.

  • Can I carry out operations for my business from the Bankia app?

    Yes, you can carry out operations related to your company from the Bankia app, via the Business access.

    For this you must have contracted in Bankia Online Business.

  • 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.
  • What is a VIRTUAL POS terminal?

    Bankia places the VIRTUAL POS terminal at your disposal so that your customers can pay by card in your online business.

  • What types of insurance policies can I contract?

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

  • How can return a receipt?

    You will be able to do a refund of a receipt from Transactions selecting Return Bill in:

    • The App Bankia.
    • Bankia Online.

    Recuerda that also will be able to consult the PDF of the original transaction receipt.

  • How can I receive payment from my pension plan?

    There are various ways to receive payment of the amounts saved in your pension plan. We recommend that before deciding on one of them, you take advice on which is the most beneficial for you in terms of taxation. The ways of receiving payment are:

    • Capital: received in a single payment.
    • Financial incomes: the amount is fixed that it wishes to receive and the frequency until the end of the accumulated capital. 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: amounts that it receives are fixed and they hire with a company insurer, which him guarantees the charge of the income in the term previously set. The conditions of this income cannot subsequently be modified.
    • Collections without regular frequency: the money is had in the shape of payments without an established frequency.
    • Mixed: the combined provision, a part is been paid in the shape of capital and another in the shape of financial incomes. The combination of the way of receiving payment can be freely modified.
  • Does Bankia have a department that can help me if I need some type of financial or legal advice?

    We place at your disposal our network of branches and business centres where you will be able to obtain the advice you need.

  • How can I sign up for the Business card?

    At your branch or through your commercial manager.

    The contract will register the company (legal entity), whereas the cards will be given to persons.

  • 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.

  • How can I consult the expiry date and CVV code of a card?

    The CVV is the card verification code that normally needs to be given when making online purchases. For Visa and MasterCard the CVV is 3 digits and is found on the back of the card, next to the space reserved 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 holder.

    You can also consult these details conveniently from the Bankia App.

  • Can I contract the service in order to be able to process different types of files (for example, Sepa Debit Entries and Financed Sepa Debit Entries)?

    Yes, can contract in your branch or company' centre services that need to manage for, subsequently, to process files via Bankia Online Business.

  • How can I consult the details of my insurance policy?

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

  • How can I request a POS terminal?

    In any Bankia branch or through our website, filling in the POS registration form.

  • 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.

  • What are the benefits of the companies card?

    • Free registration fee.
    • Accident insurance.
    • Employee disloyalty insurance.
    • Discount at associated Galp service stations all over Spain.
    • Discounts with Hertz.
    • Connection Service (free IT and legal assistance).
  • How can I consult the IBAN code of an account?

    To calculate the IBAN enters your Online Bankia and enquiry your account (appears reflected in the upper part).

  • How can I change the limits on my card?

    If needs to modify the limit of its credit card can do it via Bankia Online or visit any Bankia branch.