“Banks are continuously improving their services to meet the demands of an increasingly discerning customer.”
Customers are increasingly demanding, and banks, despite having significantly improved their service, must continue to progress. This was stated by the president of the AEB, José María Roldán, during his interview with Susanna Griso on the Antena 3 program Espejo Público.
Expertclick Is Born: The Technology School for Seniors
It is never too late to learn how to use new technologies. The Cibervoluntarios Foundation and the AEB Foundation, of the Spanish Banking Association (AEB), are launching ‘Expertclick’, a training program in the use of new technologies for people over 55 years of age residing in rural areas.
How money laundering networks operate
Criminals promise easy money to get you to help them launder money from illegal activities such as drug or human trafficking and credit or debit card fraud. Letting them involve you in their illegal activities can have very serious legal consequences for you.
What a Guarantee Entails
By guaranteeing a loan, you commit to making the payments in the event that the holder (your friend or family member who requested the loan) does not do so, and for this, you are liable with your assets. This means that being someone’s guarantor means assuming a great responsibility. Therefore, before making a commitment of this type, you must consider it carefully.
Opening accounts for minors
Minors may only open bank accounts through their legal representatives, who are their parents or guardians, with the exception of an emancipated minor (over 16 and under 18 years of age), who may act on their own behalf. It is necessary to obtain the minor’s tax identification number or national identity document in advance, and the family record book proving the family relationship must be presented to the financial institution.
Deadline for returning direct debits
Direct debiting is a service offered by all financial institutions. The Payment Services Act 19/2009 establishes that you have the right to return authorized receipts for eight weeks (50 days for most institutions). This period is established for standardized bills presented by common utility companies (electricity, water, telephone, homeowners’ associations, etc.).
“Banks have not charged their customers anything for the mortgage tax”
Our spokesperson, José Luis Martínez, discusses the current situation of the mortgage market in Spain and the need to preserve its proper functioning.
“Normalcy must be restored to the mortgage market”
The spokesperson for the Spanish Banking Association, José Luis Martínez, discusses the Supreme Court’s October 16 decision regarding mortgage stamp duty on the program Más Vale Tarde with journalist Mamen Mendizábal.
José María Roldán addresses the Supreme Court’s decision on mortgages
The President of the Spanish Banking Association, José María Roldán, addresses current banking sector issues following the latest Supreme Court decisions on the mortgage market on Antena 3’s Espejo Público programme hosted by Susanna Griso.
Types of Bank Cards
Debit and credit cards can both be used to withdraw money from ATMs and make purchases in stores, but they operate differently. With a debit card, you can only access the funds available in the current account linked to it. With a credit card, the bank grants you a credit line up to the agreed limit, which allows you to make purchases and withdraw cash, even if you do not have funds in the linked account.