Volkswagen Bank GmbH, Sucursal en España products, services and reviews

About Volkswagen Bank GmbH, Sucursal en España

Volkswagen Bank GmbH, Sucursal en España is the Spanish branch of Volkswagen Bank GmbH, a German credit institution within the Volkswagen Group. In Spain it concentrates on financing the sale of the Group’s brands through consumer auto loans, leasing and dealer financing, and distributes these services via car dealerships under labels such as Volkswagen Financial Services, Audi Financial Services, SEAT Financial Services and Škoda Financial Services, alongside digital channels. The branch operates under the EU passport regime; prudential supervision is carried out in Germany by BaFin and the Deutsche Bundesbank, while conduct-of-business aspects in Spain fall under Banco de España. When the branch takes deposits, they are protected by the German statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken, EdB) up to 100,000 euros per depositor and are not covered by Spain’s Fondo de Garantía de Depósitos. Products follow standard banking practices for credit assessment, pricing and early settlement, and contracts specify fees, interest calculation and optional insurance intermediation. The branch is not a separate legal entity from the German bank, and its risk profile is closely tied to automotive sector activity and the funding model of the wider Volkswagen banking operations. Prospective customers should verify current availability and terms of any savings or financing products, applicable taxation and complaint procedures before entering into agreements.