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/ Zurbano, 71, 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.
Bajo este fin, BNEXT define su estructura, actividad y cultura organizacional en los siguientes valores: Integridad, Transparencia, Escucha Activa, Centrados en el cliente, Diversidad, Simplicidad, Flexibilidad y Creatividad. Estos valores son los que rigen la actuación y actividad de la compañía y de todos sus empleados. Este compromiso está reflejado en el Código de Conducta.
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.
At Bnext, we have an excellent support team that will try to resolve any questions or issues. To request the resolution of any error or incident affecting the operation of contracted products and services that does not constitute a formal complaint, please email:
Bnext is committed to informing you about the status of your inquiry within 48 business hours. However, if the response provided by the team does not meet your expectations, you may contact our Customer Service Department (SAC):
Once the complaint has been submitted to Bnext’s SAC and if the response has not been satisfactory or if one month has passed since the complaint was submitted without receiving a response, the customer may contact the Bank of Spain’s Complaints Service:
The customer can download the complaint forms from the following links:
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