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BANK PROFILE · Andorra

Andbank

Andorra Banc Agrícol Reig, S.A.

Andorra Banc Agrícol Reig, S.A., which trades as Andbank, is an Andorran bank entered on the Autoritat Financera Andorrana's register of authorised banking entities under number EB 01/95, with its registered office at C/ Manel Cerqueda Escaler 6 in Escaldes-Engordany. Deposits are covered by the Andorran Deposit Guarantee Fund (FAGADI) at EUR 100,000 per depositor and bank, with exceptional cover to EUR 300,000 for qualifying temporary balances. The bank is universal rather than purely private: current and salary accounts, Visa debit and Visa credit cards, mortgages and pension plans sit alongside a private-banking arm offering discretionary management, an advised portfolio mandate, in-house and third-party investment funds, structured products and real-estate services. It publishes a 35-page tariff book, the current edition dated 22 January 2026. No current public rating is recorded for the exact bank: the most recent readable exact-entity rating is Fitch's BBB long-term and F3 short-term with stable outlook, from a bank release dated May 2019.

Jurisdiction
Andorra
Regulator
AFA
Founded
2001
Headquarters
Escaldes-Engordany

01 · AT A GLANCE

Andorra's largest bank, pairing universal domestic banking with an international private-banking and asset-management arm

  • Entered on the Andorran Financial Authority's register of authorised banks under number EB 01/95
  • Deposits covered by the Andorran Deposit Guarantee Fund at EUR 100,000 per depositor and bank
  • Formed in 2001 by the merger of Banc Agrícol i Comercial d'Andorra and Banca Reig
  • Discretionary management alongside a separately tariffed advised-portfolio mandate
  • Visa debit and Visa credit cards across the Classic, Travel, Gold and Platinum ranges
  • Publishes a full tariff book, the current edition dated 22 January 2026
Minimum deposit

Not documentedThe bank documents reviewed here state no minimum for opening an account. That does not mean there is none; the bank may state one on request.

Client segments

Retail, Private banking

Service languages

CA, English, ES

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

The bank's everyday account, offered alongside a salary account. No currency list or opening minimum is published on the account pages, so none is recorded here.

Segment
Retail
Payment card

Visa debit card

The account debit card, published on the bank's accounts and cards page as a Visa product.

Segment
Retail
Payment card

Visa credit cards

A Visa credit card range published as Classic, Travel, Gold and Platinum, alongside the bank's own cashback card.

Segment
Retail
Discretionary mandate

Discretionary management

Wealth managed on the client's behalf with the risk level controlled to an agreed profile, offered as personalised, absolute-return or directional management. No entry minimum is published.

Segment
Private banking
Advisory mandate

Advised portfolio

An advised portfolio mandate carrying its own section in the bank's tariff book, separate from the discretionary managed portfolios.

Segment
Private banking
Execution only

Securities dealing

Purchase and sale of collective investment schemes and other securities, with brokerage and external intermediation charged under the tariff book.

Segment
Private banking
Fund services

Investment funds

Collective investment schemes managed within the Andbank group and third-party schemes, each carrying published purchase and sale commissions by asset category.

Segment
Private banking
Mortgage

Mortgages

Mortgage lending published among the bank's financing products in Andorra. No rate, term or maximum loan-to-value is published on that page.

Segment
Retail

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Correspondence handling or holdingStatements and documents
  • EUR 120 per year
AlwaysLlibre de tarifes ANDBANK
Handling of physical documentsStatements and documents
  • EUR 2 per item
AlwaysLlibre de tarifes ANDBANK
Administration of balance-sheet resourcesAccount maintenance
  • 0.25% p.a.
Published in the tariff book as a quarterly rate..Llibre de tarifes ANDBANK
Funds collection serviceOther
  • EUR 30 per item
AlwaysLlibre de tarifes ANDBANK
Coin handlingOther
  • 1.25% per transaction
Charged on the nominal value of the coin handled..Llibre de tarifes ANDBANK
Guarantee study and formalisationOther
  • EUR 50
Published for pre-guarantees and for Community transit guarantees at the same amount..Llibre de tarifes ANDBANK
Claim on a debtor positionOther
  • EUR 50 per item
AlwaysLlibre de tarifes ANDBANK
Tourist currency exchangeForeign exchange
  • 6%, min. EUR 15 per transaction
Charged on the cash exchanged..Llibre de tarifes ANDBANK
Client currency exchangeForeign exchange
  • 4%, min. EUR 10 per transaction
Charged on the cash exchanged for the bank's own clients..Llibre de tarifes ANDBANK
Cash withdrawal commissionCash withdrawal
  • 3%, min. EUR 30 per transaction
Charged on the cash withdrawn. The tariff sets the same rate for cash deposits, including deposits in foreign currency..Llibre de tarifes ANDBANK
Money-market fund purchase or saleTrading commission
  • 0.5% per transaction
Applies to money-market schemes of the Andbank group, charged at the same rate on purchase and on sale..Llibre de tarifes ANDBANK
Order cancellation or amendmentTrading commission
  • EUR 30 per item
AlwaysLlibre de tarifes ANDBANK

Figures are shown in the currency the bank publishes them in and are not converted. This is not a complete tariff — always read the full source document.

04 · SERVICES

What the bank offers.

“Not disclosed” means the bank does not state this publicly — it is not a statement that the service is unavailable.

Investment

  • Discretionary portfolio managementOffered
  • Investment advisoryOffered
  • Execution-only tradingOffered
  • Custody and safekeepingNot disclosed
  • Private markets accessNot disclosed

Banking

  • Multi-currency accountsNot disclosed
  • Payment cards
    • Visa debit card
    • Visa credit card
    Offered
  • Foreign exchangeOffered

Lending

  • Lombard lendingNot disclosed
  • Mortgages and property financeOffered

Planning

  • Wealth and estate planningNot disclosed

Structuring

  • Trust and foundation servicesNot disclosed

Digital

  • Online bankingOffered
  • Mobile appNot disclosed

Card network and platform names are trademarks of their owners. They are shown to record what the bank publishes about its own products, and do not indicate any partnership, endorsement, or affiliation.

05 · SOURCES

Where these figures come from.

Only documents published or supplied by the bank are used. Nothing here is taken from brokers or comparison sites.

Next scheduled review: 6 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.

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