{"id":125476,"date":"2022-10-02T10:19:41","date_gmt":"2022-10-02T08:19:41","guid":{"rendered":"https:\/\/rmarketingdigital.com\/negocios\/que-pasa-si-mi-banco-quiebra\/"},"modified":"2021-04-08T12:44:43","modified_gmt":"2021-04-08T10:44:43","slug":"que-pasa-si-mi-banco-quiebra","status":"publish","type":"post","link":"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/","title":{"rendered":"What happens if my bank fails?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_86 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Primer-escenario-quiebra\" >First scenario: bankruptcy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Segundo-escenario-%C2%BFque-pasa-con-los-inversores\" >Second scenario: what about investors?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Tercer-escenario-%C2%BFcomo-estan-los-clientes\" >Third scenario: how are the customers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Cuarto-escenario-%C2%BFque-pasa-con-mis-creditos\" >Fourth scenario: what happens to my credits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Recomendaciones-de-instituciones-de-consumidores\" >Recommendations from consumer institutions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rmarketingdigital.com\/en\/business\/que-pasa-si-mi-banco-quiebra\/#Autodefensa-de-los-usuarios-bancarios\" >Self-defense of bank users<\/a><\/li><\/ul><\/nav><\/div>\n<div>\n<p><picture class=\"aligncenter size-full wp-image-13723\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-768x543.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-424x300.jpg.webp 424w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201024%20724'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='banking-5631337' width='1024' height='724' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-16x12.jpg 16w' data-lazy-sizes='(max-width: 1024px) 100vw, 1024px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-13723\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-300x212.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-768x543.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-830x587.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-400x283.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/banca-424x300.jpg.webp 424w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='banking-5631337' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337.jpg' width='1024' height='724' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-300x212.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-768x543.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/banca-5631337-16x12.jpg 16w' sizes='(max-width: 1024px) 100vw, 1024px'>\n<\/picture>\n<\/noscript>The news of the arrest of financier Mario Conde, accused of repatriating the money he took from Banesto de Suiza, has shocked a large part of Spanish public opinion. And how could it be otherwise, it has made them return to the bad practices of the national banking system, or more particularly of its managers, which can lead to the bankruptcy of the bank. Just remember what happened to him <strong>Bank of Madrid<\/strong>, a subsidiary entity of the Private Bank of Andorra, which was intervened a year ago by the banking authorities, following the complaint by the United States Treasury against this entity for allegedly having laundered capital from organized crime.<\/p>\n<p>And with greater perspectives in time, <strong>the Bankia case<\/strong>, with the infinity of problems that its savers and shareholders had, before being nationalized after the serious incidents of cash and financing that the group then chaired by Rodrigo Rato has had. Faced with these alarming scenarios for some users, and after the arrest of Mario Conde, it is absolutely normal for many of them to wonder today <strong>if your savings are safe in the bank<\/strong>. Or worse yet, what would happen to them if their lifelong financial institution went bankrupt?<span id=\"more-13722\"><\/span><\/p>\n<p>It is not a general alarm, far from it, but if a wish of Spanish savers is <strong>preserve your heritage<\/strong>, no matter how little it is, if my bank fails. And that can affect both your relationships with the bank products subscribed (time deposits, promissory notes, public debt, etc.), as well as the investments made by the entity. And that they get to involve the shareholders of financial groups that at some point could go through this unpleasant situation: the bankruptcy of the company. Whatever the case, it will be necessary to go point by point to clarify all the possible scenarios in this hypothetical opportunity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Primer-escenario-quiebra\"><\/span><span id=\"Primer_escenario_quiebra_del_banco\">First scenario: bankruptcy<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>As long as we talk about the bankruptcy of a bank, we believe in the hundreds and hundreds of small savers who have saved their monetary contributions in a very popular product, as in this circumstance are term deposits. Well, in a bankruptcy situation, customers who have subscribed to these savings models <strong>will have <\/strong><strong>guaranteed by the Deposit Guarantee Fund of Credit Institutions up to a maximum of 100,000 euros<\/strong> by owner and account.<\/p>\n<p>In spite of everything, they will not be recovered immediately, but will be at the expense of justice procedures, but in all cases they will go to your checking account. <strong>Those who have contracted the impositions for amounts greater than this amount will have it much more difficult<\/strong>, since under no circumstances will they be able to charge it. Unless the bankrupt bank passed to a new entity, and this one assumed the rights of the clients. And that there is a third option, that the affected entity is liquidated, and in which case it would be in the worst of situations, since it would later be on the waiting list of suppliers, shareholders and investors in general.<\/p>\n<p>Whatever the case, there is an absolutely legal and very simple strategy to apply that will allow you to prevent these situations from happening to you if you have more than 100,000 euros to save in bank deposits. And it would be a matter of subscribing different products of these characteristics, up to the amount guaranteed by the deposit fund. <strong>If it is viable in different banks<\/strong>and with accounts that are not the same. As a result of this effective action, you will be able to protect all the savings against the viable bankruptcy of a financial institution.<\/p>\n<p>Another very different case is that of clients who, instead of deposits, have signed bank promissory notes. Even though they are products with similar characteristics, in the latter <strong>are not covered by the Deposit Guarantee Fund<\/strong>, in no case. So if this unwanted scenario occurs, you could lose all the savings, with no chance to get it back. Not surprisingly, and from this perspective, promissory notes are savings models that carry a greater risk, and it is convenient that you know them before signing a contract.<\/p>\n<p>And what is more, <strong>the difference in profitability between the two savings models is practically non-existent<\/strong>, since they move under the same commercial margins imposed by the banks. And that as a result of the reduction in the price of money by the European issuing bank, they are established in a narrow range that goes from 0.15% to approximately 0.50%.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Segundo-escenario-%C2%BFque-pasa-con-los-inversores\"><\/span><span id=\"Segundo_escenario_que_pasa_con_los_inversores\">Second scenario: what about investors?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Another very different scenario is the one that affects small and medium investors, who have taken positions in the shares of a bank, which has then closed its line of business. Both in financial assets on the stock exchanges themselves, and through investment funds. Well, they must remain calm in those delicate moments, since you will not lose your investments. Not in vain, <strong>the entity is the administrator of its assets<\/strong>, do not forget. And the worst thing that can happen to you is that your securities account is not operational for a certain time, between 1 and 6 months. From this dynamic, you will not be able to carry out any type of operation.<\/p>\n<p><strong>Once the suspension is lifted, you will be in a position to market your shares.<\/strong> in the stock markets, or basically undo your mutual fund positions. The main problem that you may find yourself with is that the financial assets that you have in your investment portfolio are undervalued in their prices in terms of your purchase operations. And as a result of this procedure, you can leave a lot of euros on the way. It can also wait until in the coming months, or even years, they can recover their level of quotation in the equity markets.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Tercer-escenario-%C2%BFcomo-estan-los-clientes\"><\/span><span id=\"Tercer_escenario_como_quedan_los_clientes\">Third scenario: how are the customers?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-full wp-image-13725\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-768x576.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-830x623.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-400x300.jpg.webp 400w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201024%20768'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='banking-operations-3873093' width='1024' height='768' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-768x576.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-16x12.jpg 16w' data-lazy-sizes='(max-width: 1024px) 100vw, 1024px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-13725\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-300x225.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-768x576.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-830x623.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/operaciones-bancarias-400x300.jpg.webp 400w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='banking-operations-3873093' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093.jpg' width='1024' height='768' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-300x225.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-768x576.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/operaciones-bancarias-3873093-16x12.jpg 16w' sizes='(max-width: 1024px) 100vw, 1024px'>\n<\/picture>\n<\/noscript>There is another dilemma, which does not affect investors or depositors so much, but rather bank users who only have subscribed basic products with the entity (accounts, passbooks, savings plans, etc.). Your situation, with rare exceptions, will be absolutely the same as in the case of customers who have subscribed a tax on time. And for the same reason as in this circumstance, it is more than recommended that for amounts greater than 100,000 euros prefer for <strong>open a different account, or at least it is in the name of other recipients<\/strong>. They can be your parents, siblings, or other family members.<\/p>\n<p>Hence the importance of depositing the money in a safe and stable financial institution, and that it does not violate any regulations on the regulation of the Spanish banking system. In spite of everything, today you can be sure of this scenario, since all national banks <strong>have passed the solvency tests of their financial system with good marks<\/strong>, which have recently been drawn up from the highest regulatory bodies of the Monetary Union.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Cuarto-escenario-%C2%BFque-pasa-con-mis-creditos\"><\/span><span id=\"Cuarto_escenario_y_mis_creditos\">Fourth scenario: what happens to my credits?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img alt='crc3a9ditos-7056927' class=\"aligncenter size-full wp-image-13726\" width='1024' height='616' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-300x180.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-768x462.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-16x10.jpg 16w' data-lazy-sizes='(max-width: 1024px) 100vw, 1024px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927.jpg'><\/p>\n<p><noscript><img alt='crc3a9ditos-7056927' class=\"aligncenter size-full wp-image-13726\" src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927.jpg' width='1024' height='616' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-300x180.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-768x462.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/crC3A9ditos-7056927-16x10.jpg 16w' sizes='(max-width: 1024px) 100vw, 1024px'><\/noscript>There is another opportunity that can happen to you, and that has to do with the situations in which you have a line of credit granted (personal, consumer, mortgage, etc.) with a bank that can go bankrupt, and is rescued with public money. Initially, <strong>it would not lose its source of funding since it would go directly to another entity<\/strong>, or you would be directly in charge of paying it to the state itself.<\/p>\n<p>Another very different case is when the bankruptcy is technical and there is no opportunity to rescue it. Subsequently, the debt contracted through your loan would be distributed among the creditors of the entity.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Recomendaciones-de-instituciones-de-consumidores\"><\/span><span id=\"Recomendaciones_desde_las_organizaciones_de_consumidores\">Recommendations from consumer institutions<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><picture class=\"aligncenter size-full wp-image-13724\"><source type=\"image\/webp\" data-lazy-srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-768x511.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-830x552.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-400x266.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-451x300.jpg.webp 451w\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns='http:\/\/www.w3.org\/2000\/svg'%20viewBox='0%200%201024%20681'%3E%3C\/svg%3E\" data-lazy-sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='recommendations-5026984' width='1024' height='681' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-768x511.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-900x600.jpg 900w' data-lazy-sizes='(max-width: 1024px) 100vw, 1024px' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984.jpg'>\n<\/picture><\/p>\n<p><noscript><picture class=\"aligncenter size-full wp-image-13724\"><source type=\"image\/webp\" srcset=\"https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones.jpg.webp 1024w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-300x200.jpg.webp 300w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-768x511.jpg.webp 768w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-830x552.jpg.webp 830w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-400x266.jpg.webp 400w, https:\/\/www.economiafinanzas.com\/wp-content\/uploads\/2016\/04\/recomendaciones-451x300.jpg.webp 451w\" sizes=\"(max-width: 1024px) 100vw, 1024px\"><\/source><br \/>\n<img alt='recommendations-5026984' src='https:\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984.jpg' width='1024' height='681' srcset='\/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984.jpg 1024w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-300x200.jpg 300w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-768x511.jpg 768w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-16x12.jpg 16w, \/\/rmarketingdigital.com\/wp-content\/uploads\/2021\/04\/recomendaciones-5026984-900x600.jpg 900w' sizes='(max-width: 1024px) 100vw, 1024px'>\n<\/picture>\n<\/noscript>Different associations in defense of consumers have made a series of tips to try to prevent these cases from happening in the Spanish banking system. And specifically, from the Association of Users of Banks, Savings Banks and Insurance of Spain (ADICAE) the Spaniards demand that the national management implement a large battery of <strong>measures that aim to prevent these situations<\/strong> So detrimental to the interests of customers. And among which the following stand out:<\/p>\n<ol>\n<li><strong>Surveillance, control and report<\/strong> the increase in commissions and expenses that credit institutions apply to their financial products and services.<\/li>\n<li><strong>Review of the evolution of interest rates<\/strong> on credits, loans and other remunerative or late payment interests to avoid that they increase with greater spreads. Likewise, special attention will be paid to <strong>contracting conditions in mortgage loans<\/strong>, particularly in connection with the requirement of links such as contracting insurance, pension plans, use and sale of cards, etc.<\/li>\n<li><strong>Debugging of responsibilities of managers<\/strong> of the financial entities that choose or have chosen to bail out.<\/li>\n<li>Fundamentally monitor and report when appropriate, the <strong>types of savings-investment products and their financial conditions<\/strong> and contractual that are placed with consumers by all those credit institutions that request aid from the FROB, as well as alternatives for marketing and sale.<\/li>\n<li><strong>Defense of the rights of small shareholders<\/strong> of these savings banks became banks that issued shares to recapitalize themselves and that must go to the FROB to clean up their accounts.<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"Autodefensa-de-los-usuarios-bancarios\"><\/span><span id=\"Autodefensa_de_los_usuarios_bancarios\">Self-defense of bank users<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whatever the case, customers have some loopholes to avoid extreme situations in the banks, and that will start from the importation of some lines of action that are undoubtedly useful to protect both their investments and their savings.<\/p>\n<ul>\n<li><strong>Do not subscribe<\/strong> savings products for amounts greater than 100,000 euros.<\/li>\n<li><strong>Stay away from models that are not guaranteed<\/strong> with the Deposit Guarantee Fund.<\/li>\n<li>Choose financial entities <strong>more solvents<\/strong> and that they comply with the solvency regulations of the banking system.<\/li>\n<li>Creates <strong>different checking accounts<\/strong> when the savings bag you have is very large.<\/li>\n<li>the best way to <strong>prevent its damage<\/strong> will inform you about them.<\/li>\n<\/ul>\n<p>\n\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>The news of the arrest of financier Mario Conde, accused of repatriating the money he took from Banesto in Switzerland, has shocked a good part of public opinion...<\/p>","protected":false},"author":1,"featured_media":125477,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1386],"tags":[],"class_list":["post-125476","post","type-post","status-publish","format-standard","has-post-thumbnail","category-negocios"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.0 (Yoast SEO v28.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>\u00bfQu\u00e9 pasa si mi banco quiebra? 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