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BANK PROFILE · Andorra

MoraBanc

Mora Banc Grup, SA

Mora Banc Grup, SA, which trades as MoraBanc, is an Andorran bank entered on the Autoritat Financera Andorrana's register of authorised banking entities under number EB 06/95, with its registered office at Av. Meritxell 96 in Andorra la Vella. Founded in 1952, it reports 100% family and Andorran ownership. Deposits are protected by the Andorran Deposit Guarantee Fund (FAGADI) up to EUR 100,000 per depositor and bank. Its published range combines everyday and business accounts, cards and digital banking with private-banking mandates, securities dealing, funds, financing, digital assets and private-markets access. The current tariff reviewed here is effective 10 October 2025. Fitch affirmed the exact bank's BBB- long-term issuer default rating and revised its outlook to positive on 20 June 2025.

Jurisdiction
Andorra
Regulator
AFA
Founded
1952
Headquarters
Andorra la Vella

01 · AT A GLANCE

Family-owned Andorran universal bank combining domestic banking with private-banking, investment and digital-asset services

  • Entered on the Andorran Financial Authority's register of authorised banks under number EB 06/95
  • Deposits protected by FAGADI up to EUR 100,000 per depositor and bank
  • Founded in 1952 with reported 100% family and Andorran ownership
  • Premium Account with a published EUR 600,000 average-resources threshold
  • Discretionary management and non-independent investment advisory alongside execution-only dealing
  • Fitch long-term issuer default rating of BBB- with positive outlook as of 20 June 2025
Minimum deposit

From EUR 600,000The lowest documented entry amount among the bank's account and mandate products: Premium Account. Other products may require more.

Client segments

Retail, Corporate, Private banking

Service languages

CA, English, ES, French

02 · ACCOUNTS AND PRODUCTS

Documented accounts and products.

Current account

Current account

An everyday account for residents of Andorra. The page says it can operate in the most common currencies but does not publish an exact list, so none is recorded here.

Segment
Retail
Current account

Business account

A current account for legal entities based in Andorra, supporting business collections and payments. The page says any currency without publishing an exact ISO list, so none is inferred.

Segment
Corporate
Current account

Premium Account

A multi-currency current account for individuals or legal entities with average resources above EUR 600,000. This is the only published entry threshold recorded for the bank.

Entry from
EUR 600,000
Segment
Private banking
Savings account

Savings account

A savings account for which the tariff publishes account currencies but no opening minimum. All currency minimums therefore remain unknown.

Segment
Retail
Currencies
AUD · CAD · CHF · DKK · EUR · GBP · JPY · NOK · SEK · USD
Fixed deposit

Fixed-term deposit

A fixed-term deposit for which the tariff publishes account currencies but no opening minimum. No term, rate or minimum is inferred.

Segment
Retail
Currencies
AUD · CAD · CHF · DKK · EUR · GBP · JPY · NOK · SEK · USD
Payment card

Visa debit card

A Visa debit card linked directly to the account, with a published annual fee and different replacement prices by service channel.

Segment
Retail
Payment card

Visa credit cards

The bank's published Visa credit-card range, including standard, Gold and Platinum cards. No eligibility threshold is published on the cited account page.

Segment
Retail
Discretionary mandate

Discretionary portfolio management

An exact-bank discretionary mandate in which MoraBanc manages the portfolio to an agreed investor profile. No public entry minimum is stated.

Segment
Private banking
Advisory mandate

Investment advisory

A non-independent advisory service providing investment proposals while the client retains the final investment decision. No entry minimum is published.

Segment
Private banking
Execution only

Online broker

Self-directed dealing in shares and investment funds through MoraBanc Digital. No entry minimum is published.

Segment
Retail
Fund services

Investment funds

Access to MoraBanc-managed and third-party investment funds. The public page does not state a general entry minimum.

Segment
Retail
Lombard loan

Securities-backed credit facility

A credit facility secured against eligible financial assets held in the investment portfolio. No rate, limit or loan-to-value is published.

Segment
Private banking
Mortgage

Mortgages

Mortgage financing presented among the private bank's financing solutions. No public rate, term or loan-to-value is recorded.

Segment
Private banking
Custody account

Digital-asset custody

Custody, purchase and sale of supported digital assets through the bank, alongside funds, ETFs, structured products and asset-backed financing. No entry minimum is published.

Segment
Private banking
Fund services

Private-markets funds

Private-debt funds made available in Andorra to experienced investors through MoraBanc's collaboration with Goldman Sachs Asset Management. No general entry minimum is published.

Segment
Private banking

03 · WHAT IT COSTS

Published pricing.

ChargeAmountWhen it applies
Personal current-account maintenanceAccount maintenance
  • EUR 12.5 per quarter
The quarterly charge does not apply from age 26 through 65 and is waived when the published relationship-balance or salary/pension conditions are met; IGI is excluded.Current account
Inactive current-account maintenanceInactivity
  • EUR 50 per quarter
Applies after 1 year without activity. Charged after 12 months without an active transaction; IGI is excluded.Current account
Andorran transfer instructed through an adviserOutgoing payments
  • 0.1%, min. EUR 15.5 per transaction
Priced with an advisor. The same tariff applies when instructed through a manager, in person, by telephone, email or chat; IGI is excluded.Current account
Andorran SEPA transfer online or in the appOutgoing payments
  • EUR 0 per transaction
Priced online.Current account
Visa debit card annual feeCard fee
  • EUR 52 per year
Reduced to EUR 20 when the previous three months include a salary above EUR 1,200 or a pension above EUR 600; IGI is excluded.Visa Debit
Visa credit card annual feeCard fee
  • EUR 68 per year
The base Visa credit card is EUR 68 annually; the tariff publishes EUR 95 for Gold and EUR 155 for Platinum; IGI is excluded.Tarifes repercutibles a clients
Visa debit card replacement through an adviserOther
  • EUR 6 per item
Priced with an advisor.Visa Debit
Visa debit card replacement online or in the appOther
  • EUR 2 per item
Priced online.Visa Debit
Claim on a debtor positionOther
  • EUR 34 per item
AlwaysTarifes repercutibles a clients
Incoming SWIFT transferIncoming payments
  • EUR 11 per transaction
AlwaysTarifes repercutibles a clients
Foreign exchange commissionForeign exchange
  • 0.35% per transaction
AlwaysTarifes repercutibles a clients
Hold mailStatements and documents
  • EUR 50 per quarter
AlwaysTarifes repercutibles a clients
Discretionary portfolio management feePortfolio management
  • 1.67% p.a.
Published as a maximum annual rate and charged monthly; IGI is excluded.Tarifes repercutibles a clients
Investment advisory feeAdvisory
  • 1.5% p.a.
Published as a maximum annual rate and charged monthly; IGI is excluded.Tarifes repercutibles a clients
Securities custody feeCustody
  • 1.5% p.a.
Published as a maximum annual rate and charged semi-annually; IGI is excluded.Tarifes repercutibles a clients
Digital-asset custodyCustody
  • 2% p.a.
AlwaysTarifes repercutibles a clients
Securities purchase or saleTrading commission
  • 1.5%, min. EUR 24.64 per transaction
AlwaysTarifes repercutibles a clients
Digital-asset tradingTrading commission
  • 2%, min. EUR 12 per transaction
AlwaysTarifes repercutibles a clients
Digital-wallet receipt or transferTrading commission
  • 2%, min. EUR 12 per transaction
AlwaysTarifes repercutibles a clients

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
    Offered
  • Foreign exchangeOffered

Lending

  • Lombard lendingOffered
  • 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: 6 March 2027. Bank tariffs change frequently — several institutions in this directory revised theirs twice during 2026.

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