EBN Banco De Negocios, S.A.

EBN Banco de Negocios, S.A. is a Spanish credit institution headquartered in Madrid and listed in the Banco de España’s registry, operating under the applicable EU and Spanish banking and investment services rules. It provides banking and capital markets services to companies and institutions and offers savings and investment products to private clients. The product set typically spans fixed-term deposits and other deposit accounts, as well as securities intermediation, custody, and portfolio services subject to MiFID II suitability and appropriateness requirements. As with other Spanish banks, eligible client deposits are protected by the Fondo de Garantía de Depósitos up to €100,000 per depositor and entity; investment products such as funds or securities are not covered by that guarantee and carry market risk. Account opening and onboarding require standard identification and anti–money laundering documentation, and payment services use Spanish IBANs and SEPA rails where applicable. Fees and conditions vary by product: term deposits often restrict or penalize early access, while brokerage and custody services may involve transaction, custody, exchange, and other charges; clients should check current schedules before contracting. The bank publishes audited financial statements and regulatory disclosures in line with local requirements, and its authorization status can be verified in the supervisor’s public registers. Distribution is primarily through direct and digital channels with limited physical presence; operating hours, cut‑off times, and settlement cycles follow standard Spanish market practices. Potential customers should review current rates, eligibility thresholds, and risk disclosures, and companies should confirm lending criteria, collateral needs, and covenants for financing.