BANCO FINANTIA, S.A., SUCURSAL EN ESPAÑA

BANCO FINANTIA, S.A., SUCURSAL EN ESPAÑA is the Spanish branch of Banco Finantia, S.A., a Portuguese bank oriented toward private banking, savings products, and corporate and investment banking services. It operates in Spain under the EU single passport, with prudential supervision by Banco de Portugal and host-country conduct oversight by Banco de España and, where relevant, the CNMV for investment services. In the retail segment the branch has focused on straightforward savings solutions, notably fixed-term deposits, which are contract-driven in terms of minimum amounts, interest rates, and early withdrawal conditions; breaking a term deposit before maturity is usually restricted or penalized. Deposits placed with the Spanish branch are covered by Portugal’s deposit guarantee scheme (Fundo de Garantia de Depósitos) up to 100,000 euros per depositor per institution, while non-deposit investment products carry market and credit risk and are not protected by that scheme. As an EU institution it is subject to the Bank Recovery and Resolution Directive, meaning eligible liabilities can be written down or converted in resolution, with covered deposits protected within the statutory limit. Fees, rates, product availability, and eligibility criteria can change; prospective clients should review precontractual documentation, terms and conditions, and the complaints process required by Spanish regulations, and verify the branch’s registration details in the Banco de España register of supervised entities. Interest earned by Spanish tax residents is generally subject to Spanish savings income taxation and withholding according to current law; non-resident treatment depends on individual circumstances and applicable treaties. Onboarding and certain transactions require standard identification and anti–money laundering checks, and customer documentation is typically provided in Spanish.