Triodos Bank España

Name

Triodos Bank España

Legal name

Triodos Bank, N.V., Sucursal en España

Website

https://triodos.es

Company type

Public

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Ownership category

akta.pro rank

Product category

Ethical Retail Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

Green/Ethical/Sustainable Neobanks (FSABAFAI)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Ethical banking services
• Sustainable finance
• Savings accounts
• Investment funds
• Project finance

Headquarters

HQ city

Las Rozas

HQ country

Spain

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income on Loans: Triodos Bank earns interest income by providing loans to sustainable projects in social, environmental, and cultural sectors. The bank converts 79% of client funds into sustainable loans.
2. Investment Fund Custody and Administration: Triodos Bank provides custody and administration services for investment fund shares and executes purchase and sale orders for investment funds it distributes.
3. Deposit and Savings Account Fees: Fees and interest spreads from current accounts, savings accounts, and time deposits. The bank offers various savings products including Cuenta de Ahorro and Depósitos Triodos.
4. Project Finance: Structured project finance for renewable energy and sustainable infrastructure projects, such as the €22M photovoltaic project finance with ICF and Estabanell.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Triodos Bank España operates as the Spanish branch of Triodos Bank N.V., providing ethical and sustainable banking services to individuals, self-employed professionals, and businesses. Its offering spans deposit products (current accounts, savings accounts, time deposits), payment solutions (Visa debit cards), retirement products (pension plans), and investment vehicles (sustainable investment funds, share deposit certificates listed on Euronext). The bank channels 79% of client deposits into loans for social, environmental, and cultural projects, and provides digital banking through Banca Internet, a mobile app, telephone banking, and physical branches.

Product overview

Triodos Bank España offers a comprehensive ethical banking platform consisting of core deposit products (current account, savings account, time deposits), payment solutions (debit card), retirement products (pension plans), and investment services (investment funds, share deposit certificates). The bank operates through multiple digital channels including online banking (Banca Internet), mobile banking (Banca Móvil app), and telephone banking, enabling customers to manage accounts, make transfers, and access financial services. Beyond traditional banking, the institution provides impact-focused programs such as the Regenerative Money Centre and Matchfunding initiatives, along with an Impact Prism tool for financed companies to measure their environmental and social impact. All products and services are aligned with the bank's mission of financing only projects with positive social, environmental, and cultural outcomes.

Differentiator

Problem solved

Functional benefit

Brands

• Triodos Investment Management: Investment management division managing sustainable investment funds globally
• Fundación Triodos
• Triodos Regenerative Money Centre
• Triodos Ventures

Products and services

• Cuenta Corriente Triodos Current account for individuals to make and receive payments, order bank transfers, set up direct debits, and access funds via debit card or check.
• Cuenta de Ahorro Triodos Savings account that pays monthly interest and provides immediate access to funds through transfers or direct debits.
• Depósitos Triodos Time deposits where funds are placed for a fixed term and returned with accrued interest at the contracted rate.
• Tarjeta de Débito Triodos Visa debit card for ATM withdrawals and contactless payments worldwide, including online purchases, with accessibility features for visually impaired users.
• Planes de Pensiones Triodos Pension plans for retirement savings with multiple investment options aligned with ethical and sustainable criteria.
• Plan Ahorro e Inversión Combined savings and investment plan that channels customer funds into projects generating positive environmental and social impact.
• Fondos de Inversión
• Certificados de Depósito para Acciones (CDA)
• Impact Prism
• Triodos Regenerative Money Centre

Quantifiable outcome

• €10.7 billion in loans to European projects benefiting people and the planet
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability4 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Suma Impact FoundationcoreStrategic or Co-development Partner · 1 January 2026Strategic alliance to launch the matchfunding 'Territorios de Impacto' (Impact Territories) program supporting regeneration projects from Pioneers of Our Time and The Regen Institute.
• EstabanellcoreStrategic or Co-development PartnerPartner in €22 million project finance for 62.8 MWp photovoltaic parks, strengthening distributed generation model.
• Fundación TriodoscoreStrategic or Co-development PartnerFoundation associated with Triodos Bank that channels donations, manages crowdfunding platforms for educational farms and social agriculture projects, and supports non-profit initiatives aligned with the bank's mission.
• GABV (Global Alliance for Banking on Values)coreStrategic or Co-development PartnerGlobal coalition of 50+ banks working with similar values to promote a more sustainable financial system. Triodos Bank is a cofounder. Alliance serves 60+ million people worldwide.
• Platform on Living Wages Financials (PLWF)minorStrategic or Co-development PartnerInvestor coalition of 19 members managing €6,500 million in assets, working collaboratively on living wages issues with portfolio companies.
• PCAF (Partnership for Carbon Accounting for Financials)minorStrategic or Co-development PartnerInitiative founded in 2015 by Dutch financial institutions including Triodos Bank during Paris Climate Conference. Now includes ~100 financial institutions measuring and publishing carbon emissions of their loan and investment portfolios.
• PBAF (Partnership for Biodiversity Accounting)minorStrategic or Co-development PartnerFounding partner of the Partnership for Biodiversity Accounting, developing standards for financial institutions to assess biodiversity impact.
• Cátedra de Finanzas Sostenibles (BSM UPF)minorStrategic or Co-development PartnerAcademic chair in Sustainable Finance established with Barcelona School of Management at Universitat Pompeu Fabra to advance sustainable finance education and research.
• Finance Impact Hub del Club de RomaminorStrategic or Co-development PartnerGlobal network engagement to promote systemic change in finance aligned with the Club of Rome's mission for sustainable economics.
• Correos (Spanish Postal Service)minorChannel Partner/ Reseller/ DistributorCorreos Cash service partnership enabling cash deposits and withdrawals at post office locations across Spain.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Umweltbank: German independent ecological bank offering sustainable mortgages, savings and project finance with no fossil-fuel exposure. Comparable niche-ethical-bank model with similar project-finance focus in renewables and social infrastructure.
• GLS Bank: Germany's leading ethical bank, member of GABV, financing social-ecological projects through deposits and investment funds. Directly comparable in values-based retail and impact-lending proposition across the German-speaking DACH market.
• Charity Bank: UK savings bank lending exclusively to charities and social enterprises. Closely comparable values-based savings-to-impact-loan model and similar customer base among values-aligned depositors in the UK.
• Ecology Building Society: UK building society lending only on sustainable homes, ecological renovations and community projects. Triodos is a co-member of GABV; both target values-driven retail depositors with ethically-restricted loan books.
• ASN Bank: Dutch sustainable bank owned by Volksbank, focused exclusively on ethical and sustainable lending and savings. Closest direct peer to Triodos in mission, products and home market, competing head-to-head in the Netherlands for ethical deposits.

Others

• Triodos Investment Management: Wholly-owned subsidiary of Triodos Bank N.V., managing sustainable investment funds globally. Sister entity within the Triodos group that complements the bank's deposit and lending franchise with asset-management revenue.

Broad incumbents

• CaixaBank: Spain's largest retail bank, with growing sustainable-finance and ESG-investment product lines. Competes with Triodos for Spanish ethical depositors but operates a mainstream universal-banking model with vastly larger scale and branch network.
• Bankinter: Spanish retail bank with an established sustainability strategy, ESG funds and green-bond issuance. A mainstream incumbent increasingly competing in Triodos' Spanish impact-banking niche.
• BBVA: Global Spanish bank with ambitious sustainable-finance commitments (€300B sustainable-flow target) and ESG product suites. Major competitive threat in Spain given its scale, distribution and increasingly aggressive ESG positioning.

Regional players

• La Banque Postale: French postal/state-linked bank with a strong CSR and local-development mandate, including a ban on fossil-fuel financing. Comparable values-aligned mandate but operates primarily in France rather than Spain, and at much larger scale via the La Poste network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/triodosbankspain
• Facebookfacebook.com/triodos.es
• LinkedInlinkedin.com/company/triodos-bank-espa-a
• Instagraminstagram.com/triodoses/?hl=es
• Xx.com/triodoses

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Triodos Bank España