Unicredit, S.p.A., Sucursal en España products, services and reviews

About Unicredit, S.p.A., Sucursal en España

UniCredit, S.p.A., Sucursal en España is the Spanish branch of UniCredit S.p.A., an Italian credit institution, operating in Spain under the EU single passport regime. The branch’s activity is oriented to corporate and institutional clients rather than retail customers and typically covers corporate lending, syndicated loans, trade and export finance, guarantees and documentary credits, cash management and payments, and treasury services such as foreign exchange and interest rate hedging, with access to capital markets products and distribution supported by the wider UniCredit group where permitted. Accounts and services are relationship-managed, onboarding is subject to standard KYC/AML due diligence, and pricing, limits, and collateral are negotiated case by case; the branch does not maintain a retail branch network or offer consumer account opening channels. In regulatory terms, UniCredit is part of the European Central Bank’s Single Supervisory Mechanism as a significant institution, with prudential supervision carried out by the ECB in cooperation with the home authority (Banca d’Italia), while Banco de España oversees local conduct and certain host-country requirements. If the branch accepts eligible deposits, depositor protection is provided by Italy’s Interbank Deposit Protection Fund (Fondo Interbancario di Tutela dei Depositi) up to €100,000 per depositor in line with the EU Deposit Guarantee Schemes Directive; investment services, where provided, fall under MiFID II rules with home-state authorization and host-state conduct supervision. Payment services follow SEPA standards for euro transfers and cross-border payments are processed via international clearing channels; corporate digital banking is available through group platforms and secure connection methods subject to eligibility. Customer documentation is provided in Spanish and/or English, complaint handling follows the internal procedure with escalation to the Banco de España complaints service where applicable, and data processing complies with GDPR and Spanish data protection law. Prospective clients should assess eligibility, required documentation, service availability, and applicable fees with the branch, as publicly available retail-style tariff schedules are uncommon for this type of corporate-focused operation.