There’s a big difference between saying you’re transparent and actually being transparent. At Bnext, we choose the latter, because there’s no better way to change how you manage your money than by sharing everything with you.
BNEXT is made up of Marcandita, S.L., with Tax ID B87583217, and Bnext Electronic Issuer, E.D.E., S.L., with Tax ID B88463534, both with registered offices at C/ López de Hoyos, 135, 1ºC, 28010 – Madrid. Bnext Electronic Issuer, E.D.E., S.L. is an electronic money institution supervised by the Bank of Spain with registration number 6717.
BNEXT is committed to acting in accordance with the guidelines of the Supervisory Authorities and with the utmost transparency.
To this end, BNEXT defines its structure, activity, and organizational culture around the following values: Integrity, Transparency, Active Listening, Customer-Centricity, Diversity, Simplicity, Flexibility, and Creativity. These values guide the actions and activities of the company and all its employees. This commitment is reflected in the Code of Conduct.
As an Electronic Money Institution, Bnext is subject to specific regulations. Its activities are governed by Law 21/2011 of July 26 on electronic money and Royal Decree 736/2019 of December 20 on the legal framework for payment services and payment institutions, which amends Royal Decree 778/2012 of May 4.
As an Obliged Entity, BNEXT is also subject to regulations on the prevention of money laundering and terrorist financing (AML/CFT). In particular, BNEXT has policies, procedures, and controls in place to comply with the requirements of Law 10/2010 of April 28 on AML/CFT, Royal Decree 304/2014 of May 5 approving the regulation of Law 10/2010, and the various EU directives. The contact address for AML/CFT matters is: pbc-ft@bnext.es
As a payment service provider, BNEXT is also subject to compliance with Royal Decree-Law 19/2018 of November 23 on payment services and other applicable regulations in this area.
Regarding consumer credit granted by Marcandita, S.L. to individuals, you can find the European Standard Information on Consumer Credit in the following link, in accordance with the provisions of Law 16/2011 of June 24 on consumer credit agreements and the information required by Law 22/2007 of July 11 on the distance marketing of financial services to consumers.
As an Electronic Money Institution, Bnext is subject to specific regulations. Its activities are governed by Law 21/2011 of July 26 on electronic money and Royal Decree 736/2019 of December 20 on the legal framework for payment services and payment institutions, which amends Royal Decree 778/2012 of May 4.
As an Obliged Entity, BNEXT is also subject to regulations on the prevention of money laundering and terrorist financing (AML/CFT). In particular, BNEXT has policies, procedures, and controls in place to comply with the requirements of Law 10/2010 of April 28 on AML/CFT, Royal Decree 304/2014 of May 5 approving the regulation of Law 10/2010, and the various EU directives. The contact address for AML/CFT matters is: pbc-ft@bnext.es
Bnext como proveedor de servicios de pago está igualmente sujeta al cumplimiento del Real Decreto Ley 19/2018 de 23 de noviembre, de servicios de pago y demás normativa aplicable en esta materia así como al cumplimiento de la normativa general de transparencia y protección del cliente de servicios financieros (entre otros, el Real Decreto Legislativo 1/2007, de 16 de noviembre, por el que se aprueba el texto refundido de la Ley General para la Defensa de los Consumidores y Usuarios y otras leyes complementarias, la Ley 22/2007, de 11 de julio, sobre comercialización a distancia de servicios financieros destinados a los consumidores. y la Ley 7/1998, de 13 de abril, sobre condiciones generales de la contratación).
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