Evo Banco S.A. products, services and reviews

About Evo Banco S.A.

Evo Banco S.A. is a Spanish retail bank that operates primarily as a digital institution and has been part of the Bankinter Group since 2019. It originated in 2012 from the nationwide network created by NCG Banco and was owned by funds managed by Apollo before its sale to Bankinter. Headquartered in Madrid and registered with the Banco de España under code 0239, it is supervised within the European banking framework (SSM) and its deposits are protected by the Spanish Deposit Guarantee Fund up to €100,000 per depositor. The bank focuses on app‑ and web‑based services for individuals in Spain, offering current and savings accounts, debit and credit cards, mortgages (fixed, variable, and mixed), personal loans, and the distribution of investment and insurance products within the group’s ecosystem. Accounts use a Spanish IBAN and support SEPA transfers and domestic instant payments via Bizum; major mobile wallets such as Apple Pay and Google Pay are supported subject to device and scheme availability. Cash access is provided through ATM agreements in Spain, with applicable conditions and limits as defined in its current fee schedule. Evo Banco’s pricing centers on low or no maintenance fees for its core digital account, while specific services (for example, certain cash operations, international transfers, or out‑of‑network ATM withdrawals) may carry charges; the published tariff should be consulted for exact costs. Onboarding is remote (video identification), and the mobile app includes standard controls such as two‑factor authentication under PSD2, biometric login, card freeze/unfreeze, and spending and transaction alerts. Lending is subject to credit approval and prevailing underwriting criteria; mortgage pricing commonly references Euribor on variable tranches and prepayment fees follow Spanish law. Availability of products, rates, and promotional conditions changes over time and may be limited to residents or to customers meeting specific eligibility criteria. Customer support is provided through digital channels and telephone service; complaints can be filed with the bank’s Servicio de Atención al Cliente and, if unresolved, escalated to the Banco de España’s complaints service.