Andbank España, S.A. tuotteet, palvelut ja arvostelut

Noin Andbank España, S.A.

Andbank España, S.A. is the Spanish banking subsidiary of the Andbank Group and operates as a private bank focused on wealth management and investment services for high‑net‑worth and affluent clients. It offers current and savings accounts, cards, payments, and custody alongside discretionary portfolio management, advisory mandates under MiFID II, brokerage in equities and fixed income, investment funds (including third‑party open architecture) and group‑managed vehicles, structured products, and secured lending such as Lombard credit. The bank provides digital channels via web and mobile with strong customer authentication in line with PSD2, while client relationships are largely managed through dedicated bankers and investment specialists across offices in major Spanish cities. Andbank España is a credit institution authorized and supervised by Banco de España, and it provides investment services subject to CNMV oversight; euro‑denominated deposits are covered by Spain’s Deposit Guarantee Fund (FGD) up to 100,000 euros per depositor per institution, while financial instruments are held in segregated custody under applicable investor protection rules. Pricing typically includes advisory or management fees, custody and brokerage commissions, and product‑level charges; published tariffs cover standard operations, and private banking terms are often individualized. The bank applies KYC/AML onboarding, client classification and suitability/appropriateness assessments, and provides regulatory disclosures (e.g., costs and charges, KIDs/KIIDs) and tax reporting for Spanish residents. The business model prioritizes investment services over mass‑market retail features, with minimum balance or investment thresholds common and a smaller physical footprint than universal banks; product availability, conditions, and rates can vary by client profile and are subject to change.