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    BBVA AvalBox: online management of guarantees

    Manage your business guarantees online.

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

    How does it work?

    • Avalbox is that simple
      • Access directly via Net Cash using 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.

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    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 do you present business guarantees?

    • There are three ways
      • Digital presentation. The Royal Spanish Mint (FNMT) is responsible for reporting the issuance of guarantees and their safekeeping. It also offers a verification service.
      • 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.

    What are the requirements?

    • Be registered with BBVA Empresas Online Banking (BBVA Net Cash) and have activated the Endorsements module.

    Would you like more information?

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    • At BBVA, we give you the tools to manage your business payments easily.
    • We are leaders in digital innovation working to make your life that bit easier.
    • We believe in doing things a transparent, clear and responsible way.

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