UBS Europe SE, Sucursal en España products, services and reviews

About UBS Europe SE, Sucursal en España

UBS Europe SE, Sucursal en España is the Spanish branch of UBS Europe SE, a German credit institution within UBS Group AG, focused in Spain on wealth management and investment services for high-net-worth individuals, families, and select corporate or institutional clients. The branch operates under the EU passporting framework; prudential supervision is carried out by the European Central Bank and Germany’s Federal Financial Supervisory Authority (BaFin), while in Spain it is registered with the Banco de España and subject to conduct supervision by the Comisión Nacional del Mercado de Valores (CNMV) for investment services. Services typically include discretionary portfolio management, investment advisory and execution-only brokerage, access to equities, fixed income, funds and ETFs, structured products, and foreign exchange, along with secured lending such as Lombard credit; day-to-day retail banking features (e.g., a domestic ATM network or mass-market current accounts) are not a core focus. Accounts are commonly multi-currency and supported by UBS’s e-banking and mobile channels, with periodic reporting and MiFID II costs-and-charges disclosures. Client assets are held in accordance with applicable safekeeping and asset segregation rules; financial instruments are not deposits and can fluctuate in value. Deposits placed with UBS Europe SE are covered by the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the legal limit per depositor and may also benefit from membership in a voluntary protection scheme, subject to its rules, eligibility criteria, and exclusions; claims arising from investment services may fall under investor-compensation arrangements according to German law. Pricing is negotiated based on mandate and service scope and can include advisory or management fees, custody charges, transaction commissions, and product-specific costs; details are provided in pre-contractual documentation. The branch is required to maintain internal complaint-handling procedures, and clients can escalate disputes to the Banco de España claims service for banking matters or the CNMV for investment services, without prejudice to any relevant German schemes. Tax treatment depends on individual circumstances and residence; the bank may provide standardized statements, but clients remain responsible for meeting their tax obligations.