Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      National endorsements and guarantees

      Guarantee the payment of economic or commercial commitments and obligations.

      Made by your company to third parties.
      • All kinds of services to cover your needs for technical, economic or commercial bank guarantees.
      • Online banking to carry out any type of queries whether you are a guarantee holder or a beneficiary.
      • The guarantees are displayed in digital format from AvalBox.
      • Check the current status of your guarantees at all times. 
      Apply

      What are bank guarantees?

      • Bank guarantees are instruments used by a financial institution to serve as a guarantor for the payment obligations or commitments acquired by a company in its national or international operations. In this way, the guarantor bank irrevocably ensures compliance with the payment of these obligations or commitments.

        You can also use our online banking system to perform all types of queries regarding the status of your endorsements, whether you are the guarantor or the beneficiary.

      What type of guarantees are offered?

      • Three guarantees

        Technical Guarantee: non-compliance with commitments other than a payment obligation is guaranteed, generally before Public Organizations or other third parties for shares in contests or tenders, development of projects or supplies, proper functioning of machinery sold, etc.

        Economic-Financial Guarantee: guarantees a payment obligation within a predetermined period such as payments of goods, loans or credits and deferrals or payments in installments. These guarantees can be:

        • Commercial Financial: the payment obligation derived from a commercial transaction is guaranteed.
        • Non-commercial Financial: the payment of the loan or credit that the customer has taken out with another financial institution is guaranteed.

         

      Do it digitally through AvalBox

      • With AvalBox, you can request, consult, cancel and follow the status of your guarantees 100% online through your online banking.

         

        Benefits
        • Process your guarantees from anywhere.
        • Instantly find out your risk limits, issued guarantees, maturity dates, beneficiaries, amounts, etc.
        • Request your guarantee using predefined texts or those you propose.
        • With information on the associated cost from the outset.
        • Commitment to Sustainability through digital guarantees.
        HOW IS THE GUARANTEE FILED SECURELY?

        Through AvalBox, depending on the beneficiary, you can request three types of guarantee filing:

        • Online filing: The guarantee is managed and filed directly on the website of the public body that allows it, such as the Secad, the Regional Government of Galicia, the Autonomous Community of Madrid and the Regional Government of Castile and León.
        • Digital filing: with the guarantee from Signaturit, a provider of electronic services certified by the Ministry of Economic Affairs. As a Trusted Third Party, it is in charge of communicating the issuance of the guarantee, guarding, verifying and offering extra security and greater guarantees to the beneficiary companies.
        •  Paper filing: Pick up the requested guarantee on physical paper at the branch of your choice.

         

         

         

      Request national guarantees and endorsements

      Apply

      Do you know the definition?

      Provided in the body of the same document (e.g., bill, promissory note, etc.).

      Issued in a separate document from the principal secured obligation. Unlike the documentary letter of credit, in guarantees the payment by the issuing institution is only potential (i.e. will only occur if the secured party defaults). The guarantee is not a payment method.

      • Payer: someone who orders his/her bank to issue a guarantee.
      • Guarantor: a bank that issues the guarantee and undertakes to pay if the ordering party breaches his/her obligations.
      • Payee: the person to whom the guarantee is issued.
      • Counter-guarantor: a bank that guarantees the guarantor.

      You might also be interested in

      • International endorsements and guarantees

        Guarantee the payment of the commitments and obligations that your company has made to third parties, whether nationally or abroad.
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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.

      Discover the BBVA Company Aggregator

      Add and manage all your business bank accounts in one place.
      Manage all your accounts, make better decisions, and save time for your business.
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      National endorsements and guarantees
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