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  • Finance
  • Trade Finance
  • Collection and Payment Services
  • Cash Transactions

Finance

  • Medium and long-term financing solutions for your company's investments and/or projects.

    • Structured Finance

    • Fixed-rate or variable-rate loans

    • Schuldscheindarlehen

  • Guarantees with the aim of covering your company's obligations.

    • Letters of Credit

    • Sureties (“Bürgschaften”) 

  • Financing instruments to cover short-term liquidity needs.

    • Revolving Credit Facilities (committed and uncommitted)

  • Advance charge for sales on credit

    • Non-recourse Factoring

  • Management of supplier payments

    • Reverse Factoring (Confirming)

  • Others.

    • Risk Participations

Trade Finance

At CaixaBank we offer you medium- and long-term financing solutions for your foreign trade transactions.


Import Letter of Credit

A secure and efficient way to pay for purchases from foreign suppliers.

This service guarantees that your bank (CaixaBank) will pay the supplier if certain conditions are met in relation to the documentation agreed between you and the supplier, relating to the goods, their delivery, transportation, etc.

Export Letter of Credit

We secure your foreign trade transaction through reliable and flexible debt collection. We offer a bank guarantee for collection, cover for all your risks and the option of advance payment.

Trade Finance financing

At CaixaBank we offer you medium- and long-term financing solutions for your foreign trade operations.

 

Export

  • Export documentary remittances
  • Purchase without Recourse of an Export Documentary Credit
  • UPAS (Usance Payable At Sight)

Collection and payment services

Transfers

With SEPA credit transfers you can make an unlimited number of payments in euros between bank accounts of customers in the SEPA area, fully automated.

Your company can use this service to process collections and payment transactions with customers and suppliers in the Single Euro Payments Area, which comprises 36 countries: the members of the European Economic Area (consisting of the 27 states of the European Union plus Liechtenstein, Iceland and Norway) as well as Andorra, Monaco, San Marino, Switzerland, the United Kingdom and the Vatican.

You can also make standard and express domestic transfers as well as international transfers in most currencies.

Management of daily collections and payments

Massive Payments

With CaixaBankNow you can make massive payments for payroll or payments to suppliers in a convenient way, at any time and from anywhere. With the online assistant we help you to create files quickly by importing an Excel file or inserting individual payments.

You will also have access to the Cash Concentration Service and the Request for Transfer Service (SWIFT MT101).

Transaction Reports in SWIFT Format

This allows you to check your account balance in an internationally standardized format.

You can view account statements in SWIFT format (MT940/942), manage your payments and access the international online banking portal.

Treasury

  • Current Accounts

Sight deposits for your company's daily business, collections, payments, etc.

  • Term deposits

We offer term deposits tailored to your business activities.

  • FX spot transactions