Information on interest rates, commissions, conditions and expenses

Information under the Commission Delegated Regulation (EU) 2017/576 of 8 June 2016 

Deposit guarantee fund

According to Article 5.4 of Royal Decree 2606/1996, of 20 December, on deposit guarantee funds in credit institutions, as amended by Royal Decree 628/2010, of 14 May, and Royal Decree-Law 16/2011, of 14 October, we inform customers of Miraltabank, S.A. of:
Miralta Finance Bank, S.A. is a member of the Fondo de Garantía de Depósitos de Entidades de Crédito whose contact details are:

Address: C/. José Ortega y Gasset 22, 5ª planta, 28006 Madrid
Telephone: +34 91 431 66 45 – Fax: +34 91 575 57 28
Internet address:

Internal regulations of the institution. Investment services policies

In compliance with the customer protection objectives provided by applicable regulations for the provision of investment services, Miraltabank has developed a series of policies (internal rules) which aims to fulfil the obligations imposed in the best interest of our customers.

Download the documents to complete the information.


FATCA (Foreign Account Tax Compliance Act) is a US regulation that seeks to obtain tax information on its nationals to apply the tax regime that effectively corresponds to their worldwide income.

The United States of America has signed intergovernmental agreements (IGA) with various EU countries in this respect. As for Spain, an IGA has been signed that obliges Spanish credit institutions to identify customers with US nationality and send information about them to the national tax authorities, which will, in turn, send it to the IRS.

CRS (Common Reporting Standard)

It is an automatic tax information exchange system between states so that different member states can share information on their taxpayers’ investments in financial institutions in other states.
The CRS system’s criterion for classifying customers is tax residence, as opposed to the FATC criterion, which is based on citizenship

As Spain is a member, Spanish financial institutions must provide this information. They must determine their customer’s tax residence and ensure they are committed to reporting any changes in their tax residence. Information on customers with tax residence in another CRS member country is sent to the AEAT annually.