MIRALTA FINANCE BANK, S.A.

MIRALTA FINANCE BANK, S.A. is a Spanish credit institution focused on investment and wealth services, operating under national and EU banking and securities rules. It is supervised as a bank by Banco de España (and, within the Single Supervisory Mechanism, the ECB) and is subject to CNMV oversight for the provision of MiFID II investment services. The bank’s activity centers on execution and custody of financial instruments (such as equities, ETFs, investment funds, fixed income, and listed derivatives for eligible clients), along with discretionary portfolio management and investment advisory where contracted; it also offers execution-only arrangements for clients who prefer to make their own decisions. Account opening and servicing are delivered through digital channels and offices in Spain, with standard KYC/AML checks and the required suitability and appropriateness assessments before accessing investment products. Pricing follows a published tariff framework that typically includes brokerage commissions, custody and corporate action charges, foreign exchange conversion costs, and, where relevant, portfolio management or advisory fees; clients should review pre-contractual costs and charges disclosures and the fee schedule filed with Banco de España. As a Spanish bank, eligible cash deposits fall under the Fondo de Garantía de Depósitos de Entidades de Crédito up to the statutory limit per depositor and institution; financial instruments held in custody are separate from the bank’s own assets and are not deposits, so they are exposed to market and other risks in line with the product type. The institution publishes regulatory documents such as best execution and conflicts of interest policies, order execution venues, and Pillar 3 disclosures, and provides tax information and reporting consistent with Spanish requirements; treatment for non-residents depends on client status and applicable tax treaties. The service offering is oriented to investing rather than full-service retail banking, and the availability of payment accounts, cards, or lending should be verified before onboarding. As with any investment activity, clients face market, liquidity, currency, and counterparty risks, and returns are not guaranteed.