Banco de Albacete, S.A. products, services and reviews

About Banco de Albacete, S.A.

Banco de Albacete, S.A. is a Spanish sociedad anónima; if authorized as a credit institution, it falls under the supervision of Banco de España within the EU Single Supervisory Mechanism and is subject to prudential rules under CRR/CRD. Deposits placed with a Spanish bank are covered by the Fondo de Garantía de Depósitos up to €100,000 per depositor and entity. Accounts use Spanish IBANs and connect to SEPA for euro transfers and direct debits, with payment services governed by PSD2, including strong customer authentication and regulated access for licensed third‑party providers. Pricing and conditions must follow Spanish transparency rules, including publication of a tariff booklet and standardized disclosure of TIN/TAE; consumer credit and mortgages require pre‑contractual information (e.g., FEIN) and cooling‑off rights defined by law. Where investment or structured products are distributed, MiFID II suitability/appropriateness and CNMV oversight apply; insurance distribution, if offered, is regulated by the DGSFP. Customer onboarding is subject to Spanish AML/KYC requirements and GDPR governs data protection. Complaints are handled first by the bank’s customer service/ombudsperson and can be escalated to the Banco de España’s complaints service; securities‑related disputes go to the CNMV. ATM withdrawals in Spain display the applicable fee before confirmation, and remote channels must implement two‑factor authentication. Corporate information is filed with the Registro Mercantil, and prudential/Pillar 3 disclosures are published where applicable; recovery and resolution follow the BRRD framework via the national resolution authority. Prospective clients should verify authorization in the Banco de España register and review the bank’s official fee booklet and product terms before opening an account.