Guides
Guides
What to know before you sign, send money or save, explained with examples and the rules that apply in Spain.
Every guide cites the rules and official sources it relies on and links to the tool that helps you do the sums.
- GuideHow long does a bank transfer take?Standard or instant, at a weekend or on a holiday: the time limits the law sets and why transfers sometimes take longer.
- GuideTIN and TAE: what they are and how they differTwo interest rates in every Spanish offer: one to work out the payment and one to compare.
- GuideFixed, variable or mixed mortgage: which to chooseThe difference is who takes the risk that interest rates rise: you or the bank.
- GuideRepaying your mortgage early: fees and how to do itThe law lets you repay your mortgage whenever you like and caps what the bank can charge for it.
- GuideSpain's deposit guarantee fund: what it covers and how muchWhat happens to your money if your bank fails, and how to spread it so it stays protected.
General information, not financial advice. The calculators give estimates: what counts are the terms of your bank's offer. bancos.app is not a bank and isn't linked to any bank.