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BANK PROFILE · Andorra

Creand

Crèdit Andorrà, SA

Crèdit Andorrà, SA, presented under the Creand Crèdit Andorrà brand, is an Andorran bank entered on the Autoritat Financera Andorrana's register of authorised banking entities under number EB 02/95. Its registered office is at Av. Meritxell 80 in Andorra la Vella, and the register dates its authorisation to 15 December 1950. Deposits are protected by the Andorran Deposit Guarantee Fund (FAGADI) up to EUR 100,000 per depositor and bank. The exact bank publishes personal and business accounts, cards, mortgages and digital banking alongside international private banking, advisory, discretionary management, execution, custody, investment vehicles, private equity and CryptoWallet. No general private-banking relationship minimum is published on the reviewed pages; the EUR 20 figure recorded here belongs only to CryptoWallet purchases and sales. Fitch affirmed the exact bank's BBB- long-term rating with a stable outlook on 20 June 2025. The AFA also records an unappealable EUR 135,029.12 penalty dated 6 September 2024 for a serious infringement involving acts or operations without the required authorisation.

Jurisdiction
Andorra
Regulator
AFA
Founded
1950
Headquarters
Andorra la Vella

01 · AT A GLANCE

Andorran universal bank combining retail and corporate banking with private-banking mandates, custody, private markets and digital assets

  • Entered on the Andorran Financial Authority's register of authorised banks under number EB 02/95
  • Deposits protected by FAGADI up to EUR 100,000 per depositor and bank
  • Retail, corporate, private-banking and institutional propositions published by the exact Andorran bank
  • No public general private-banking entry minimum found; the EUR 20 threshold applies only to CryptoWallet trades
  • Advisory, discretionary management, execution, custody and private-equity access alongside online and mobile banking
  • Fitch long-term rating of BBB- with stable outlook as of 20 June 2025
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, Corporate, Private banking, Institutional

Service languages

CA, English, ES, French

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Basic Account

An online-opened current account for individuals over 30 without recurring income. The public page states the quarterly charge but no opening minimum or exact account-currency list.

Segment
Retail
Current account

Salary Account

A current account for people over 30 whose management and administration charge is waived when salary is paid into the account. No opening minimum is published.

Segment
Retail
Current account

Youth Account

A current account for customers under 30, exempt from management and administration charges while the linked Carnet Jove card remains active. No opening minimum is published.

Segment
Retail
Current account

Non-Resident Account

An online current account for non-residents. The cited page limits opening to people resident in the European Union and publishes a semi-annual charge, but no opening minimum.

Segment
Retail
Current account

Corporate Current Account

A business current account with national and international transfers, online banking and accounts in different currencies. The page does not publish an exact ISO currency list or an opening minimum.

Segment
Corporate
Advisory mandate

Investment Advisory

Tailored recurring investment recommendations with the client retaining every investment decision. No public entry minimum is stated.

Segment
Private banking
Discretionary mandate

Discretionary Portfolio Management

A mandate under which the bank manages the client's assets to an individual investment strategy. No public entry minimum is stated.

Segment
Private banking
Execution only

Order Execution

Execution for advanced investors who make their own decisions, available electronically and through managers or the market desk. No entry minimum is published.

Segment
Private banking
Fund services

Investment Vehicles

Tailored investment vehicles for investors and institutions, with published setup, administration, custody and management capabilities. No entry minimum is stated.

Segment
Institutional
Fund services

Private Equity Programme

A programme of venture-capital funds selected through partnerships with private-equity managers as a portfolio-diversification alternative. No public entry minimum is stated.

Segment
Private banking
Payment card

Visa Debit Card

A Visa debit card for purchases and ATM withdrawals, charged directly to the linked current account. No standalone eligibility threshold is published.

Segment
Retail
Payment card

Credit Cards

The bank's Visa and Mastercard credit-card range, including Visa Classic, Premier, Platinum and Infinite and Mastercard Classic. No standalone entry threshold is published.

Segment
Retail
Mortgage

Mortgages

Mixed- and variable-rate residential mortgages subject to the bank's risk assessment. The page publishes financing limits and current terms but no minimum entry amount.

Segment
Retail
Custody account

CryptoWallet

Online and app-based purchase and sale of Bitcoin and Ethereum plus custody of supported digital assets, including Tether. The published EUR 20 minimum applies specifically to buy and sell transactions.

Entry from
EUR 20
Segment
Retail

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Basic Account management and administrationAccount maintenance
  • EUR 20 per quarter
Charged only to account holders over 30 without recurring income; waived when recurring income is received; IGI is excluded.Accounts Online
Salary Account management and administrationAccount maintenance
  • EUR 20 per quarter
Charged when the account holder over 30 has not had a salary paid into the account by the quarterly charge date; IGI is excluded.Accounts Online
Non-Resident Account management and maintenanceAccount maintenance
  • EUR 220 per half-year
Applies to clients resident outside the bank's home market. Available only to people resident in the European Union; IGI is excluded.Accounts Online
CryptoWallet purchase or saleTrading commission
  • 1.5%, min. EUR 5 per transaction
AlwaysCryptoWallet
Incoming CryptoWallet transferTrading commission
  • EUR 0 per transaction
AlwaysCryptoWallet
Outgoing CryptoWallet transferTrading commission
  • 2%, min. EUR 5 per transaction
AlwaysCryptoWallet
Digital-asset traceability studyOther
  • 0%
AlwaysCryptoWallet
CryptoWallet custodyCustody
  • 2% p.a., min. EUR 5
Published as an annual rate, collected semi-annually, with a minimum of EUR 5 per semester.CryptoWallet

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 safekeepingOffered
  • Private markets accessOffered

Banking

  • Multi-currency accountsOffered
  • Payment cards
    • Visa debit card
    • Visa credit card
    • Mastercard credit card
    Offered
  • Foreign exchangeOffered

Lending

  • Lombard lendingNot disclosed
  • Mortgages and property financeOffered

Planning

  • Wealth and estate planningOffered

Structuring

  • Trust and foundation servicesNot disclosed

Digital

  • Online bankingOffered
  • Mobile app
    • iOS
    • Android
    Offered

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: 7 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.

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