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We make your daily life easier.

Can we remain by your side?

We want be part of your daily life, your projects, trips and purchases, providing you total peace of mind and security when managing your finances. At Arquia Banca, we put tailor-made products and services at your disposal.

Risk indicator applicable to the current account.


This number indicates the product risk, whereby 1/6 indicates the lowest risk and 6/6 the highest risk.

  • Arquia Banca is a member of the Credit Institutions Deposit Guarantee Fund provided for in Royal Decree-Law 16/2011, of 14 October, which guarantees money deposits made in banks up to a maximum amount of 100,000 euros per account holder

Current accounts

Our accounts are designed to adapt to your needs and with them you can carry out your daily operations with flexibility and total availability.

In addition, if you are under 32 years of age or want to direct your salary in Arquia, we offer you accounts with exclusive advantages to make managing your finances easier. 

More information

We have an account for you.

If what you need is to manage your money quickly and efficiently, domicile your payroll or manage income and payments at any time, we have the account you need.

List of most representative services associated with a payment account >

Current account

An account for all types of banking operations with all the benefits of a traditional account: check book, promissory notes, direct debits…

To manage:

  • Notes and movements.
  • Direct debit of receipts and management of change of direct debits.
  • Checkbooks, check deposits, transfers and national transfers.
  • Remote operation via internet and mobile.


Commission Information Documents:

Account Q >
Professional Account >
Professional College Account >
General Basic Payment Account >
Vulnerable Basic Payment Account >
Account in Currency >


Payroll Account

If you are a salaried employee and you domicile your payroll in Arquia, you will obtain the following additional advantages:

Facilities in the financing of any need through the credit program 1-12-36, a formula that will allow you to have it immediately (subject to loan granting requirements):

1    Discovered up to a maximum limit of 1 monthly payment.
12  Credit Policy equivalent to the payroll of 12 monthly payments up to a maximum limit of € 30,000. Preferential opening conditions.
36 Payroll advance loan: equivalent to the 36 monthly payroll up to a maximum limit of € 90,000.
And a free accident insurance of € 6,000 in the event of death.

Commission Information Documents:

Payroll Account >


Young Account 

It has exclusive professional services for:

  • University students who are finishing their studies (60% of the credits approved).
  • Young graduates who start their professional career whether they do so as freelancers, working in a studio or in any other company.

With the young account you can:

  • Finance your studies or the beginning of your professional career.
  • In the case of direct debiting the payroll, access an exclusive credit program and free accident insurance.


Commission Information Documents:

Young Account >

Payment methods

With our Cards you will be able to purchase in stores, withdraw cash from cashpoints, enjoy special discounts, operate quickly and securely over the Internet, and pay tolls without stopping. If are a business, we provide POS systems so you can charge your customers using cards with full guarantee and major advantages. 

Do you need help?
Have you lost your card? Have you forgotten your PIN? How do I activate or block my Visa? What ATMs attached to Arquia do I have closer?

We give you answers >


More information

Do you need a card?

Make your payments in a secure and comfortable way. Regardless of your expenses, billing type or transaction limits, we have a card that best suits your needs.

Visa Electron

  • It is a debit card; the transactions are charged to the associated account immediately.

Visa Classic

  • It is a credit card; the transactions are charged on the first business day of each month, but you can postpone them or spread them in instalments.
  • You can dispose of cash on credit or debit.

Visa Gold

  • It is a credit card; the transactions are charged on the first business day of each month, but you can postpone them or spread them in instalments.
  • Personalised credit limit.
  • You can dispose of cash on credit or debit.
  • In the event of theft or loss: emergency card replacement or cash delivery.

Vía T

  • Payment of tolls and car parks without stopping.
  • No installation required; you just have to place it on the windscreen.
  • Detailed monthly statement: the transactions are charged on the first business day of each month.
  • More information at


  • Do you have a business? We provide POS systems so you can charge your customers using cards with full guarantee and all its advantages.


Arquia offers its customers a network of ATMs where they can withdraw amounts form € 80 at no cost. For lower amounts or for provisions in other ATMs, Arquia will pass on to its customers the cost that the entity that owns the ATM transfers for each transaction. 

List of affiliated cashpoints>



In addition, holders of an Arquia card will be able to enjoy all the advantages that Arquia Privilegios EURO 6000 offers them, an exclusive program with which they will be able to obtain discounts and free promotions among more than 180 brands and 6,000 establishments dedicated to culture, leisure, travel, gastronomy, beauty and experiences.

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Enter and discover Arquia Privilegios >

Arquia Bizum

Now if you're carrying your mobile phone, you're carrying money.

The fastest, easiest and safest way to make payments from one mobile phone to another.

Download the app:



More information >

Digital Banking 

Arquia's Digital Banking is an environment that enables you to manage your professional and personal accounts in a quick and comfortable way. From the branch, your home or anywhere on your mobile device.

More information

Always with you.

We want you to feel us close, be by your side every day. Our technology provides you access to Digital Banking 365 days a year with full guarantees.


  • Without going anywhere
  • From anywhere and any device: Laptop, PDA, iPhone, iPad, tablet, Smartphone or mobile phone.
  • Paperless: Your Digital Banking mailbox will allow you to access all your correspondence electronically.


  • More security in user identification and authentication.
  • More control over your financial transactions.
  • In a secure web environment (Verisign).
  • Adapted to the requirements of the Personal Data Protection Act and the Information Society and E-Commerce Services Act.


  • Design your virtual office to suit your needs: most frequent queries, habitual transactions, separate query between personal and professional movements, etc.
  • Access all your views and manage all your products in an orderly fashion.
  • View all your transactions and movements and group them by concept, facilitating the management of your personal and professional finances.


  • You can access all the information about and movements in your current products, even those that have been cancelled.
  • See the different contracts pertaining to your products.
  • Detailed information on the situation of your Investment Funds, Pension Funds and Investments in the Stock Exchange.

Foreign currency

If you are going to travel and your destination is outside the euro zone you will need to make payments with the local currency. The forecast is essential to avoid an extra cost in currency transactions, so it is recommended to make the change in your bank before traveling.

In Arquia you can buy foreign currency simply and quickly through Digital Banking, and in just 48 hours you will receive it comfortably at your home.

Discover all its advantages >

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