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General T&Cs, contracts, and other documents

General terms and conditions for loans and mortgages Act 5/2019 (in Spanish) Insurance Securities custodianship and management contract(in Spanish) (PDF 137,46 KB.) Discretionary portfolio management contract(in Spanish) (PDF 333,88 KB.) Modification of contractual terms and conditions

Prices, charges, interest rates, limits, and fees

Rates and fees on current account overdrafts and credit account excess(in Spanish) (PDF 857,73 KB.) Quarterly information about commissions and interest rates applied or offered(in Spanish) (PDF 968,32 KB.) Maximum charges payable (in Spanish) Rates for our remote banking service Information on exchange rates and discount rates Limits on taking out/using Exchange Rate Insurance Money and currency list prices (in Spanish)

Customer protection and advocacy

Customer advocacy and notes of interest Regulations governing transparency and customer protection in financial services Floor clause (in Spanish)

Documents setting out fees and the most representative services associated with a payment account

Documents setting out fees and the most representative services associated with a payment account(in Spanish) (PDF 143,4 KB.)

Applicable Fees

Wefferent Pack(in Spanish) (PDF 276,48 KB.) Basic Payment Account(in Spanish) (PDF 1,33 MB.) Carnet Jove Account(in Spanish) (PDF 492,27 KB.) Consumer Account(in Spanish) (PDF 82,62 KB.) Minor account(in Spanish) (PDF 472,75 KB.) Foreign currency account(in Spanish) (PDF 17,8 KB.) 360 Account(in Spanish) (PDF 449,09 KB.) Individuals Welcome Rate(in Spanish) (PDF 384,72 KB.) Wefferent Ahorro(in Spanish) (PDF 119,05 KB.) Payroll account(in Spanish) (PDF 1,8 MB.) Pensioners account(in Spanish) (PDF 319,38 KB.)

Other information of interest to customers

Office hours Code of Good Practices for the Sustainable Restructuring of Mortgage-Backed Debts on Primary Residences Code of Good Practices for the Renegotiation Framework for Customers with Secured Finance(in Spanish) (PDF 1,59 MB.) Payment schedule for bills not paid by direct debit Mortgage Loan Access Guide (in Spanish) Statement of card transactions, model S-1 Deposit Guarantee Fund: Information for customers (In Spanish) (in Spanish) Account transfer form(in Spanish) (PDF 2,81 MB.) Guide to links(in Spanish) (PDF 473,72 KB.) Información sobre Basic Payment Account (in Spanish) Information about personal data protection (in Spanish) Data Protection: Account Ownership Verification Service(in Spanish) (PDF 32,12 KB.) Informative note on the extension of the term of financing operations with the guarantee of the ICO Covid-19 line(in Spanish) (PDF 102,95 KB.) PSD2. Customer rights when making payments in Europe(in Spanish) (PDF 319,34 KB.) Customer information leaflet on one-off payment transactions(in Spanish) (PDF 228,65 KB.) Information Note ICO Lines Ukraine Guarantees(in Spanish) (PDF 132,1 KB.)