Banca Personal
ABANCA Personal
You Matter to Us
Andrés Petisco Director of Mediterranean Personal Banking
Personal
Personal manager
Products
You
What does ABANCA Personal offer you?
Personalized service
We will always be available whenever you need us to offer you our best solution regarding investment strategies based on your individual needs. And, thanks to our extensive knowledge of the markets, we will inform you about the different financial products that best suit you.
Personal banking managers and advisors
We provide you with a team of expert professionals with experience and training, including more than 350 accredited managers and advisors, with whom you can share your specific needs and the characteristics of your assets, offering you personalized service and a wide range of products and services. You will have access to a personal advisor or manager with extensive experience in financial markets, products, and taxation. In addition, you will benefit from special service hours to meet your needs.
Atención e información financiera y fiscal
Estaremos disponibles siempre que lo necesites para ofrecerte nuestra mejor solución cuando lo requieras. Estamos especializados en ofrecer las mejores estrategias de inversión para cada cliente sobre la base del conocimiento de sus necesidades individuales y el amplio conocimiento de los mercados. Además, te informaremos con detalle sobre la tributación de los distintos productos financieros.
Comprehensive information
Global position information: periodic summarized information about all your relationships with ABANCA, easily and simply, through a single integrated statement.
Wealth information: if you have been assigned a personal advisor, our analysis method and technological application allow us to offer you a comprehensive report on your investments with an in-depth analysis of your portfolio's evolution and performance.
Monthly market information.
Subscribe to our market newsletter
Personal products
ABANCA Personal is a way of understanding banking where the person comes first. It is a special kind of banking for a special client, offering a world of exclusive products and benefits. More personal.
Personal daily management
Premium Account Personal Banking with special conditions.
Personal Banking Credit Card, specifically designed with personalized access and maintenance conditions.
Productos de inversión
Fondos de inversión. Permiten diversificar el riesgo, la liquidez y el acceso a cualquier mercado y estilo de inversión. Con disponibilidad de fondos perfilados y de una selección de fondos de marca propia y de gestoras internacionales, basada en una gestión profesional y multidisciplinar.
ETFs. Acceso al importante mundo de ETFs cotizados, con gran variedad de oferta de activos.
Renta variable. Acceso a la más amplia oferta de títulos de distintos mercados mundiales, incluyendo una oferta de selección de activos en los principales mercados y adaptada al segmento.
Renta fija. Selección de títulos de deuda pública y renta fija privada, de diversos mercados. A ello se le añade información completa y detallada de cada título para facilitar la toma de decisiones y el seguimiento de la inversión en todo momento.
Depósitos estructurados y contratos financieros atípicos. Oferta específica para el segmento que permite establecer un perfil de rentabilidad y riesgo, con una remuneración vinculada a uno o varios activos pudiendo asumir posiciones de mayor o menor riesgo.
Insurance and pension plans
A comprehensive catalog specialized in offering exactly what customers like you need. A diverse range of individual pension plans and an extensive catalog of insurance of various types (life, home, vehicles, health, and others such as travel assistance, civil liability, license withdrawal, etc.).
Flat-rate securities
You can carry out your securities trading operations through the ABANCA online brokerYou will be redirected to another website in a comfortable and simple way, and with very advantageous conditions.
Financing Solutions
Especially tailored to your needs. With products like the ABANCA credit account, the Mari Carmen Mortgage at fixed and variable rates, the 24-hour Personal Loan, etc., adjusted to your personal circumstances and premium conditions.
Personal card
Investment vehicles
Our experience allows us to offer you different alternatives so you can choose the product that best suits you.
Delegated management
Whether you are a first-time or advanced investor, you can delegate 100% of your investment fund portfolio management to our team of experts. If you want to know more, on this same website we tell you everything about Alpha360, our investment model.
Profiled management
Specific strategies for each of the funds. Active management. We distinguish four risk profiles for the funds:
- Conservative
- Moderate
- Decisive
- Aggressive
Portfolio construction
When you want us to help you build your portfolio, we will aim to maximize the return/risk ratio, minimizing risk in the most defensive profiles (conservative and moderate) and maximizing returns by taking on greater risk in the more aggressive profiles (decisive and aggressive).
Management process with advisors
If you have been assigned a Personal Banking advisor, they will strive to offer you the best service, with efficiency and initiative, developing a strategy in which we accompany you throughout the entire process to ensure planned advice tailored to your profile and needs, current market conditions, and providing you with monitoring and control tools and information. All of this is aimed at optimizing your assets with the highest quality.
1. Client Analysis
- Investment profile, knowledge and experience, financial situation, and investment objectives.
- Return / risk.
- Liquidity needs.
- Capacity to bear losses.
- Time horizon.
- Tax implications and impacts.
2. Planificación
- Análisis de la rentabilidad financiera / fiscal de las inversiones.
- Necesidades financieras y objetivos de inversión.
- Planificación y previsión para la situación financiera tras la jubilación.
- Planificación en función del ciclo de vida.
3. Proposal Development
- Within the analyzed macroeconomic environment.
- Combination of suitable assets through tools that allow you to adapt and control that profitability, risk, and liquidity are aligned with your investor profile.
4. Implementation of strategies
- Supervision of the correct execution of the proposal.
- Control of investment timing.
5. Monitoring and Control
- Portfolio adjustment over time, following market opportunities and client needs.
- Periodic review of results and analysis of potential changes in the portfolio.
- Comprehensive personalized reports on position and product profitability.
Technology and Innovation
ABANCA Personal is also about innovation. The use of new channels and the flow of communication and information with our clients is part of our DNA.
And we don't just think about today's technologies; we are constantly working on those of the future, because the future is built every day. And our clients are part of it.
With ABANCA's mobile banking, one of the highest-rated in the market, you can manage all your transactions whenever and wherever you want.
