Singular Bank, S.A.

Singular Bank, S.A. is a Spanish credit institution headquartered in Madrid that focuses on private banking, wealth management, and self-directed investing, authorised and supervised by Banco de España for banking activities and by the CNMV for investment services. The entity emerged from the carve-out and rebranding of Self Bank under funds advised by Warburg Pincus, shifting its emphasis from mass retail toward advisory and discretionary portfolio management while retaining an online brokerage platform. Its offering typically includes current and savings accounts, cards, time deposits, securities custody and execution in equities, ETFs, funds and fixed income, discretionary and advisory mandates, pension products, and financing solutions such as Lombard lending; access to third‑party funds is provided under an open‑architecture model. Accounts are euro‑denominated with SEPA payments, and onboarding follows standard KYC and MiFID II suitability rules for residents and eligible non‑residents. Pricing relies on published fee schedules that may include custody, advisory or discretionary management fees, trading commissions, FX mark‑ups, and transfer charges, with relationship minimums applying in private banking. Deposits are covered by Spain’s Deposit Guarantee Fund up to €100,000 per depositor and institution; financial instruments are held in segregated custody and are not covered by the deposit guarantee, with market risk borne by the client. Digital access is provided through web and mobile channels with portfolio reporting and tax documentation for Spanish taxpayers. The business is positioned toward investment‑led services rather than full‑scale retail banking, so product depth in day‑to‑day banking is more limited than at universal banks, and overall client experience and outcomes will depend on fees, service model, and individual risk profile.