Can I operate in other currencies?

Yes, with cards and international transfers. Compare the exchange rate applied and the fees on each transaction.

What if I lose my card?

Block it immediately from the app or by phone and notify your bank. The sooner you report it, the better protected you are against unauthorised use.

All services

Accounts and cards

Everyday banking done right: clear fees, cards that fit how you spend, and direct support.

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What is included

Payroll or self-employed account

Cards and travel cover

Multi-currency use

Who it is for: For anyone wanting clear everyday banking: a payroll or self-employed account, cards that suit how they spend, and payments in other currencies.

What is worth knowing

Your deposits are protected

The Deposit Guarantee Fund covers up to 100,000 euros per holder and institution. It does not cover investment funds or other non-deposit products.

Products Agustín can arrange for you

No-fee account

Linked to paying in your salary, pension or self-employed contributions.

Pension account

Transferring your pension is handled at no cost.

Children's account

For ages 0 to 17, with a prepaid card controlled by the parents.

Non-resident account

Opened with a passport even if you live outside Spain.

Automatic savings account

Puts money aside by rounding up purchases or with regular transfers.

Debit, credit and prepaid cards

Mobile payments and instant blocking from the app.

Bizum and international transfers

Send money instantly in Spain and abroad from the app.

Professional group offers

Specific terms for healthcare, justice, civil servants and other groups.

Interest rates, discounts, fees and promotions change often: Agustín gives you the current terms, at the meeting.

How we work

Listen

An unhurried conversation about your situation, goals and timing. Most things are decided here.

Analyse

I review what you already have, what it costs and what is missing, and compare it with the market.

Propose

I present the options with pros and cons, in writing and without unnecessary jargon.

Support

I support you through the process and review progress with you when your circumstances change.

What to bring to the meeting

ID/NIE

Summary of your current products

How much you can save each month

Watch out for

Check maintenance and card fees, and what conditions you must meet to have them waived.

Paying in foreign currency by card may carry a currency conversion charge: find out before you travel.

Revolving credit can make a deferred purchase far more expensive. Check the rate before splitting a payment.

Frequently asked questions

One that clearly separates personal and business movements, with reasonable fees on receipts and payments. We review it against your real volume of transactions.

General, indicative information on regulations and products in Spain. Terms and rules change and every case is different: they are confirmed at the meeting. It is not personalised advice or an offer.

Shall we look at your own case?

A 30-minute meeting, no commitment. You arrive with a summary and leave with clear next steps.