General conditions

Last update: August 03, 2026

1. Introduction

Welcome to NUEVOBANCO. These terms and conditions (“Terms”) govern your use of our website, mobile applications and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms.

NUEVOBANCO is a licensed financial institution regulated by the European Central Bank and national financial authorities. We provide digital banking services including accounts, cards, transfers and loans.

2. Eligibility

To use our Services, you must:

  • Be at least 18 years old
  • Be a resident of a country where we offer our Services
  • Have the legal capacity to enter into contracts
  • Provide accurate and complete information during registration

3. Account registration

When you create an account with us, you must provide accurate, complete and current information. You are responsible for maintaining the confidentiality of your account identifiers and for all activities that occur under your account.

You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

4. Description of services

4.1 Banking Services

We offer various banking services, including but not limited to checking accounts, savings accounts, debit cards, credit cards and transfers. Specific terms for each service are provided when you register for that service.

4.2 Card Services

Our card services are subject to additional terms and conditions provided at the time of card issuance. You agree to use the Cards only for lawful purposes and in accordance with the Card Network's rules.

4.3 Transfer services

Transfers are subject to regulatory requirements, including anti-money laundering controls. We reserve the right to delay or refuse transfers that do not comply with applicable laws.

5. Fees and charges

Our current fee schedule is available on our website and in our mobile app. We may change our fees with 30 days notice. You are responsible for all charges associated with your use of our Services.

6. Privacy and data protection

Your privacy is important to us. Our privacy policy explains how we collect, use and protect your personal information. By using our Services, you consent to our data practices as described in the Privacy Policy.

7. Security

We implement industry-standard security measures to protect your account and information. However, you are responsible for:

  • Keeping your login credentials secure
  • Use strong, unique passwords
  • Enable two-factor authentication
  • Report any suspicious activity immediately

8. Prohibited activities

You agree not to:

  • Using our Services for illegal purposes
  • Violate any applicable laws or regulations
  • Engage in fraud or money laundering
  • Attempt to gain unauthorized access to our systems
  • Interfere with the proper functioning of our Services

9. Intellectual property

All content, trademarks, and other intellectual property rights in our Services are owned by NUEVOBANCO or our licensors. You may not use our intellectual property without our prior written consent.

10. Liability

To the extent permitted by law, we limit our liability for any damages arising from your use of our Services. We are not liable for indirect, incidental or consequential damages.

11. Indemnification

You agree to indemnify and hold NUEVOBANCO harmless from any claims, damages or expenses arising from your violation of these Terms or your use of our Services.

12. Termination

We may terminate or suspend your account at any time for violation of these Terms or for any other reason permitted by law. You can close your account at any time by contacting customer support.

13. Applicable law

These Terms are governed by the laws of Luxembourg and the European Union. Any disputes will be resolved in the courts of Luxembourg.

14. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes by email or via our Services. Your continued use of our Services after changes indicates your acceptance of the updated Terms.

15. Contact details

If you have any questions about these Terms, please contact us at:

NUEVOBANCO
Legal Department
123 Financial Street
L-1234 Luxembourg
Email: legal@nuevobnks.online
Phone: +352 123 456 789