EBN Banco de Negocios

What EBN Banco de Negocios does

EBN Banco de Negocios, S.A. is a privately held Spanish savings and investment bank headquartered in Madrid at Paseo de Recoletos 29, supervised by the Banco de España (registry number 0211) and a member of the Fondo de Garantía de Depósitos. The bank has operated for more than 40 years and serves two main client groups, individuals (Particulares) and professionals (Profesionales), with sub-segments including high-net-worth individuals, SMEs (Pymes), corporate and institutional clients, and retirees. It operates as the parent of a small banking group (Grupo EBN) with wholly-owned subsidiaries covering asset management (EBN Capital G.I.I.C.), securitization (EBN Titulizaci\u00f3n), securities services (EBN Securities), and finance (EBNSISTEMA FINANCE).

The product set spans retail and corporate banking: remunerated accounts, fixed-term and combined deposits, dollar deposits, pension plans, a UCITS fund supermarket offering exclusively clean share classes (no retrocessions), discretionary managed portfolios across four risk profiles, independent advisory, personal and lombard loans, a Banco de España-regulated reverse mortgage, corporate financing (project, asset, leveraged, acquisition), non-recourse factoring, leasing, renting, and investment banking services (M&A, capital markets, ABS/RMBS/CLO/CDO securitization, institutional sales). Pricing is fee-disclosed: management fees of 0.25%-0.55% + IVA, custody 0.30% + IVA, combined deposits up to 3.10% TAE, and a 6.50% reverse mortgage rate. Technology is a digital banking platform with PSD2-compliant API infrastructure for third-party providers, iOS/Android mobile apps, biometric facial-recognition video identification for remote onboarding, and SSL/TLS-secured communications. Revenue is generated through net interest income on lending and deposit products, recurring management and custody fees on AUM, advisory fees, and transaction commissions.

Name

EBN Banco de Negocios

Legal name

EBN Banco de Negocios, S.A.

Website

https://ebnbanco.com

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

51–100 employees

Short description

EBN Banco de Negocios is a privately held Spanish savings and investment bank headquartered in Madrid, regulated by the Banco de España. It serves individuals, high-net-worth clients, SMEs, and institutional investors with deposits, clean-share-class funds, managed portfolios, independent advisory, corporate financing, and investment banking.

Ownership category

akta.pro rank

Product category

Savings and Investment Banking

NAICS

Commercial Banking (522110), Portfolio Management and Investment Advice (523940), Securities, Commodity Contracts, and Other Financial Investments and Related Activities (523)

SIC

State Commercial Banks (6022), Asset-Backed Securities (6189), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Retail Wealth & Bancassurance Distribution (Investment & Insurance via Bank) (FSABAAAJ)

akta.pro secondary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Wealth management
• Investment funds
• Corporate financing
• Investment banking

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest income generated from lending products including personal loans, mortgages, and reverse mortgages. The bank offers consumer loans, lombard loans, and investment-backed loans with varying interest rates.
2. Investment Management and Advisory Fees: Annual management fees charged on discretionary portfolio management and independent advisory services, with tiered pricing based on assets under management (ranging from 0.25% to 0.55% plus VAT).
3. Custody and Administration Fees: Annual custody fee of 0.30% plus VAT applied to investment products held in custody, tax deductible for clients.
4. Deposit Products: Interest paid to depositors on savings accounts and fixed-term deposits. The bank offers remunerated accounts, fixed-term deposits, combined deposits, and dollar deposits.
5. Banking Transaction Commissions: Commissions on banking operations including transfers, payment services, and other transaction-based services as outlined in their fee schedules.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

EBN Banco de Negocios is a Spanish savings and investment bank that offers retail and corporate banking services. Its core offerings include savings products (remunerated accounts, fixed-term deposits, combined deposits, dollar deposits, pension plans), a UCITS fund supermarket distributing exclusively clean share classes, discretionary managed portfolios across four risk profiles, independent financial advisory, retail financing (personal loans, lombard loans, reverse mortgages), corporate financing (project/asset/acquisition finance, factoring, leasing, renting), and investment banking services (capital markets, M&A advisory, debt and equity issuance, asset securitization).

Product overview

EBN Banco de Negocios is a Spanish savings and investment bank offering a comprehensive suite of financial products and services. The core offering centers on savings products (remunerated accounts, fixed-term deposits, combined deposits, dollar deposits, pension plans) and investment services through a fund supermarket platform featuring exclusively clean-share-class UCITS funds. The bank provides portfolio management across four risk profiles (Conservative, Moderate, Dynamic, Aggressive), independent financial advisory, and professional services including investment banking (capital markets, M&A, asset securitization), structured financing, and wealth management. Retail financing includes personal loans, reverse mortgages, and deposit-backed loans, while business services cover corporate financing, factoring, leasing, and alternative investments (private equity, venture capital). A mobile app enables multi-device account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Cuenta Remunerada (Remunerated Account) A savings account that pays interest on balances, offering 2.50% TAE (2.49% TIN) for amounts between €3,000 and €50,000. Designed for individual retail clients in Spain seeking a competitive yield on liquid deposits.
• Depósito Sinycon Plus (Fixed-Term Deposit) Fixed-term deposits with guaranteed returns starting from a €5,000 minimum, offering competitive interest rates without early withdrawal options. Targeted at individual savers and SMEs seeking predictable, guaranteed yield.
• Depósitos Combinados (Combined Deposits) Combined deposit products offering around 3.10% TAE (3.06% TIN) for a €10,000 minimum deposit and approximately one-year term. Designed for individual savers seeking enhanced guaranteed returns.
• Depósitos en Dólares (Dollar Deposits) Dollar-denominated deposit products for customers seeking currency diversification. Aimed at individual clients and SMEs looking for FX exposure in a guaranteed deposit format.
• Planes de Pensiones (Pension Plans) Individual pension savings plans that allow accumulation of funds for retirement with potential tax benefits. Designed for individual contributors planning long-term retirement income.
• Supermercado de Fondos (Fund Supermarket) An online platform that provides access to all UCITS funds registered with CNMV in Spain, featuring only clean share classes (without retrocessions). Average savings exceed 30% in commissions versus funds with retrocessions. Targeted at self-directed retail and professional investors.
• Carteras Gestionadas (Managed Portfolios)
• Cartera Liquidez (Liquidity Portfolio) A managed portfolio within the EBN managed portfolio suite designed for clients with liquidity needs. Targeted at clients seeking discretionary management of cash-equivalent or short-term investment strategies.
• Carteras a Éxito (Success-Based Portfolios) Managed portfolios with performance-based fee structures where part of the fee is tied to investment outcomes. Aimed at clients and advisors preferring alignment between manager compensation and results.
• Nota Estructurada Garantizada (Guaranteed Structured Note) A structured investment product that combines multiple financial instruments with a capital protection feature at maturity. Targeted at retail and professional investors seeking defined-return structures with capital protection.
• Préstamo Personal (Personal Loan) Customized personal loans tailored to individual customer needs, including consumption loans and investment loans. Designed for individual borrowers in Spain seeking flexible consumer credit.
• Hipoteca Inversa (Reverse Mortgage) A mortgage product for individuals over 65 that allows them to obtain liquidity using their property as collateral while retaining ownership. 6.50% interest rate with no monthly interest payments or principal repayment until contract termination (typically upon death). Regulated by Banco de España and signed before a notary.
• Préstamo Sinycon A loan product backed by deposits for EBN customers, allowing borrowers to leverage their existing savings or deposits as collateral for credit. Designed for existing EBN deposit customers.
• Préstamo Lombardo (Lombard Loan) A loan product for investors that uses investment holdings (such as fund shares or securities) as collateral. Aimed at investors seeking liquidity without selling their investment positions.
• Financiación de Empresas (Corporate Financing) Business financing solutions including guarantees, loans, credit lines, and syndicated operations. Targeted at Spanish companies seeking working capital and general corporate funding.
• Financiación Estructurada (Structured Financing) Customized financing structures for businesses including project finance, asset financing, leveraged financing, and acquisition financing. Aimed at companies executing complex capital projects, expansions, or M&A.
• Capital Inversión (Private Equity) Capital solutions for corporate clients' capital structure needs through EBN's participated companies area, providing equity capital and quasi-equity solutions. Targeted at Spanish corporates seeking capital structure advisory and equity participation.
• Factoring sin Recurso (Non-Recourse Factoring) Factoring service providing immediate liquidity for invoices while eliminating payment default risk for the seller. Aimed at corporates seeking to convert receivables into cash and offload credit risk.
• Renting Equipment rental solutions that allow businesses to use assets without purchasing them. Targeted at Spanish companies seeking operational leasing of equipment.
• Leasing Financing solutions for equipment investments with maximum tax advantages, structured as financial leases. Aimed at companies financing capital equipment acquisitions.
• Banca de Inversión (Investment Banking) Comprehensive investment banking services including balance sheet management (COAP), capital markets trading, debt and equity issuance, asset securitization (ABS, RMBS, CLO, CDO), M&A advisory, strategic consulting, and institutional sales. Targeted at Spanish corporates, financial institutions, and institutional investors.
• Gestión Patrimonial (Wealth Management) Comprehensive wealth management, financial advisory, and planning services delivered by independent advisors who do not sell proprietary products and offer only clean fund classes. Aimed at high-net-worth individuals and families in Spain.
• Inversión en Alternativos (Alternative Investments) Alternative investment products including private equity and venture capital funds distributed in clean share classes, available from a €100,000 minimum investment. Targeted at high-net-worth and professional investors seeking non-traditional asset exposure.
• Asesoramiento Independiente (Independent Advisory) Tailor-made independent financial advisory service with a transparent fee structure (0.25%-0.50% annual fee plus VAT, billed quarterly), offering portfolio construction using only clean fund classes. Targeted at clients seeking non-discretionary advice without retrocessions.
• Depósito Empresa (Business Deposit) Fixed-term business deposits for SMEs with excess treasury liquidity, offering 2.50% TAE (2.47% TIN) for 24-month terms, with a minimum deposit of €50,000 and a maximum of €1,000,000 per account. No early cancellation allowed.
• Cuenta de Pago Básica (Basic Payment Account) Basic payment account that meets regulatory requirements for banking access, providing essential payment services to ensure financial inclusion. Targeted at consumers who need standard banking services.
• Seguros (Insurance) Insurance products including home, auto, and pet insurance distributed through partnerships with third-party insurers. Designed for individual customers of EBN Banco as an add-on to their banking relationship.

Quantifiable outcome

• Clean share class funds result in approximately 30% lower average costs compared to funds with retrocession
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature3 records

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• EVO Banco: Spanish digital-first bank serving retail and SME clients with current accounts, deposits, and investment products. Comparable to EBN in size tier and Spanish-market focus on retail and small business.
• Banco Mediolanum Spain: Spanish subsidiary of Mediolanum focused on advisor-led wealth management and managed portfolios for retail savers. Comparable to EBN in fee-based wealth management distributed through personal advisors.
• MyInvestor: Spanish digital bank and wealth manager offering index funds, managed portfolios, and low-cost advisory to retail and HNW clients. Comparable to EBN's independent, clean-share-class fund model and managed-portfolio tiered pricing.
• Self Bank: Spanish online bank (subsidiary of Société Générale) offering deposits, investment funds, and brokerage to retail clients. Comparable to EBN's online-only fund supermarket and clean-share-class positioning.
• Andbank Spain: Private banking franchise of Andbank focused on HNW clients in Spain with discretionary portfolio management and advisory services. Directly comparable to EBN's HNW-targeted wealth management offering.
• Renta 4 Banco: Spanish commercial bank specialized in brokerage, asset management, and independent advisory for retail and institutional clients. Closely comparable to EBN's combination of deposit-taking, managed portfolios, fund distribution, and investment banking under one regulated entity.
• Inversis Banco: Spanish bank providing wealth management, brokerage, custody, and investment fund services to private clients and institutions. Comparable to EBN across investment services, custody, and securitization-adjacent infrastructure.

Broad incumbents

• Openbank: Santander-owned 100% digital bank in Spain offering deposits, investment funds, and robo-advisory. Comparable to EBN's digital banking and PSD2 infrastructure but with vastly larger scale and parent balance sheet.
• Bankinter: Mid-to-large Spanish universal bank with strong retail, wealth management (Línea Directa asset management), and corporate banking franchises. Comparable to EBN's full-stack banking offering but at materially greater scale.
• CaixaBank: Largest Spanish retail bank with full-service wealth management, investment banking (Criteria Caixa), and asset management. Provides the competitive backdrop against which EBN positions its independent advisory value proposition.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ebn-banco

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments4 records

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

Frequently asked questions about EBN Banco de Negocios