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    BBVA AvalBox: online management of guarantees

    Manage your business guarantees online.

    • Instantly find out your risk limits, issued guarantees, maturity dates, beneficiaries, amounts, etc.
    • Process your endorsements for companies directly wherever you are.
    • Guaranteed by the Royal Spanish Mint (FNMT).

    How does it work?

    • Avalbox is that simple
      • Log in directly from online business banking with your credentials.
      • Request any type of guarantee, whether the payee is a private sector or public sector business.
      • You can use default or customised texts.
      • We tell you the cost of the guarantee from the start.
      • You choose the best term for your needs: With an indefinite or specific maturity date.
      • The Spanish Royal Mint as a trusted third party.

      Watch the video

    What advantages does BBVA Avalbox offer?

    • This service offers the following advantages
      • As there is no physical paperwork, there is no risk of an endorsement being lost
        or damaged.
      • You can monitor the procedure.
      • You can consult to all issued, canceled and executed guarantees.
      • Save time on processing guarantees.
      • You can manage your guarantees for companies directly.

    How can you file guarantees for businesses and public bodies?

    • There are three ways
      • Digital filing with a private company or a public body.

      The Royal Spanish Mint (FNMT) is responsible for reporting the issuance of guarantees and their safekeeping. It also offers a verification service.

      The public bodies included are the following regional governments: Murcia (CARM), the Board of Andalusia, the Board of Extremadura, Basque Government, Balearic Islands (CAIB), Government of La Rioja, Government of Navarre, Government of Cantabria, as well as local city halls and authorities.

      • Online presentation to a public authority. 

      We currently collaborate with the General Deposit Fund of the Public Treasury and the Galician Regional Government.

      • Submission at a branch. You must collect the guarantee at a BBVA branch.

    What type of business guarantee do you want?

    • You have two options
      • Technical guarantee: BBVA will be responsible for any obligations that are unfulfilled by the holder (the endorsed party) in the case of supply contracts (e.g., tenders, auctions, non-payment of rent, unpaid leasing fees, etc.). In this regard, you ensure that the service or work will be carried out in the requested manner.
      • Financial endorsements: BBVA guarantees fulfillment of your obligations in accordance with a monetary limit and/or established term. This type of bank endorsement is used, for example, in home rentals. In the case of companies, they simply guarantee that a payment will be made for something in the future.
        These subtypes include financial endorsements: they are financial guarantees. However, in this case, they refer to the corresponding payment obligations of a promissory note or treasury bill.
        • Commercial: the bank guarantees the payment obligation resulting from a business transaction between parties.
        • Non-commercial: credits or loans granted to a BBVA customer by other banks or credit institutions authorized by BBVA.

    International guarantees

    • Benefits
      In addition to the advantages of arranging your guarantees digitally with Avalbox, you will always have the equivalent value in euros of the amount of the guarantee in the foreign currency.
      File the guarantee with complete security
      • Direct: BBVA issues the guarantee. File it on paper or in a SWIFT message.
      • Counter-guarantee: a foreign bank issues the guarantee. File exclusively through SWIFT.

    What are the requirements?

    • Be registered with online business banking and have the Endorsements module enabled.

    Would you like more information?

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    Be a BBVA customer.

    • At BBVA, we give you the tools to manage your business payments easily.
    • We are working to make your life a little easier with our digital solutions.
    • Our approach is based on transparency, clarity and responsibility.

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    BBVA AvalBox: online management of guarantees
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