LIBERBANK – Cuenta Online Sin
| 1/6 | This number is indicative of the risk of the product, being 1/6 indicative on lower risk and 6/6 of higher risk. | Entity attached to the Spanish Deposit Guarantee Fund. The fund guarantees deposits on money up to 100.000€ per owner and entity. |
Join Liberbank and enjoy the new Cuenta Online SIN: without maintenance fees, or administration fees and with ordinary transfers in free euros. In addition, with all the good things about doing your steps online.
MAIN FEATURES:
- Current Account
- No fees /commissions
- No paycheck required
- Free Debit Card
- 100% online
- No Customer Service in English
- Conditions: Online application and use of digital channel (ex. App, web)
EXTRA FEATURES:
- No management or maintenance fees.
- No issue or maintenance for debit cards.
- 0€ Cash withdrawal on debit in all Liberbank ATMs
- 0€ Online transfers: No fees for your online transfers within the EEA.
- No paycheck. You do not need to have your paycheck paid in to enjoy the benefits.
- No permanency
BASICS
Account type | Current Account – Personal |
Customer Service in English | No |
Fees | 0€/month |
Currency | Euro |
Credit/Debit Card | Free Debit Card |
Online Management | Yes |
ATM withdrawals | Free in Spain in Liberbank ATMs and free from 100€ on ATMs of Bankia, Banco Sabadell, Bankinter, Caja Ingenieros y throughout EURO 6000 network (excluding CaixaBank). Conditions dont apply in Asturias, Cantabria, Cáceres, Albacete, Ciudad Real, Cuenca y Toledo |
ATMs | 18.000 ATMs |
RATES AND FEES
Maintenance fee | Free |
Management fee | Free |
Foreign transaction Fee in Eurozone | Free |
REQUIREMENTS
Contract method | Online |
Min¡mum age | 18 |
Required documentation | NIE/Passport |
Commitments |
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Liberbank is a Spanish bank constituted by a combination of Group Cajastur, Caja de Extremadura and Caja Cantabria. It was created from the combination of the assets and liabilities of the banking business (excluding those pertaining to the social work of each savings bank).
Liberbank has a national presence and is a leader in the retail markets of Asturias, Cantabria, Castile-La Mancha and Extremadura.
On 23 May 2011, Effibank was established as a bank SIP Group Cajastur, Caja de Extremadura and Caja Cantabria. From 19 July 2011, the bank operated under the brand Liberbank. Subsequently, the trade name of Effibank (Effibank SA) was also replaced and became Liberbank SA.
On 29 May 2012, Banco Caja3 and Ibercaja merged. Thus born the seventh Spanish financial institution. However, the merger was canceled in October 2012 as a result of the stress test of Oliver Wyman and capital requirements Liberbank scenarios shown in this document.
On 20 December 2012, the European Commission approved the restructuring plan Liberbank, so that this entity to go public in the first half of 2013, reducing its size by 25% compared to 2010. In return, Liberbank received 124 million euros in aid in the form of contingent convertible bonds (cocos) subscribed by the FROB with a maximum repayment term of two years. A drastic reorientation of the business of the bank is also required: must leave in practice real estate, focusing on the credit support to SMEs in their areas of influence and primarily engage in the retail business, limiting their presence in the business of wholesale banking .
On 16 May 2013, Liberbank went public with a sale of redeemable preference shares and subordinated shares in the company and closed the session with a capitalization of 734 million Euro.
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