Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR)
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR) is filed with Banco de España - Departamento de Conducta de Mercado y Reclamaciones. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your recurso (appeal) for you. What we charge you: €250.
We complain to the Departamento de Conducta de Mercado y Reclamaciones (Market Conduct and Complaints Department) of the Banco de España about abusive clauses, mortgage costs, IRPH, improper fees, revolving cards, unauthorised charges or any bad practice by your bank. If you have not yet complained to the bank's SAC (customer service department), we first draft the written document to the SAC at no additional cost.
Practical guide: How to complain to a company in Spain: electricity, gas, phone, bank or insurance. Requirements, deadlines and the steps, explained.
- What we charge you
- €250
- Managora's fee
- €250.00 (21% VAT incl.)
- Tasa (official government fee)
- No tasa payable
- Processing time
- Banco de España decision: 90 calendar days at most from when the claim is complete (art. 30.3.b Ley 44/2002). The report is NOT binding on the bank, but it carries considerable weight in a subsequent court claim.
- What you receive
- Recurso (administrative appeal)
Cost breakdown: Our fee €250.00 (21% VAT incl.). The complaint to the Market Conduct Department of the Banco de España is free of charge, with no tasa (official fee)..
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how is it filed?
- 1Answer the questions in the chat (~5 minutes).
- 2We will show you whether your case can be taken directly to the Banco de España (Bank of Spain) or whether it is better to complain first to the SAC.
- 3Payment of €250.00 (21% VAT incl.). If a prior SAC complaint is required, we include the written document to the SAC at no additional cost and, once the legal deadline has passed, we escalate it to the Banco de España.
- 4Sign the mandate from your mobile.
- 5Complaint submitted at the Oficina Virtual de Reclamaciones (Virtual Complaints Office) of the Banco de España by our agent.
- 6You receive the submitted document, annexes, signed mandate, submission acknowledgement and invoice.
Which documents do you need?
- •The banking contract or the specific clauses you are challenging (if you have them).
- •The statements, receipts or charges that evidence the problem.
- •Any communication with the SAC (customer service department): emails, reference number, the bank's reply. You do not need to upload anything here; we will tell you how to send it to us if relevant.
Legal basis and things to bear in mind
- The Banco de España is free of charge: you pay no fee to the body. Our fee covers the technical drafting and the submission.
- The Banco de España's report is NOT binding on the bank (Orden ECC/2502/2012). If it is unfavourable, the bank must report within one month whether it has rectified (art. 30.3.c Ley 44/2002), and the report is key evidence in any subsequent court claim.
- Deadline to complain to the Banco de España: 1 year from the date you submitted the complaint to the bank's SAC.
- For insurance matters (not banking), the competent body is the DGSFP of the Ministry of Economic Affairs, not the Banco de España. For securities markets and funds, the CNMV.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): frequently asked questions
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how much does it cost?
We charge you €250: our fee plus, where applicable, the fixed official tasa we advance. Our fee €250.00 (21% VAT incl.). The complaint to the Market Conduct Department of the Banco de España is free of charge, with no tasa (official fee).. Managora's fee is €250.00, 21% VAT included (€206.61 net + €43.39 VAT). This procedure carries no official tasa.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how long does it take?
Banco de España decision: 90 calendar days at most from when the claim is complete (art. 30.3.b Ley 44/2002). The report is NOT binding on the bank, but it carries considerable weight in a subsequent court claim.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): which documents do I need?
You need to have to hand: The banking contract or the specific clauses you are challenging (if you have them)., The statements, receipts or charges that evidence the problem., Any communication with the SAC (customer service department): emails, reference number, the bank's reply. You do not need to upload anything here; we will tell you how to send it to us if relevant.. You do not upload them here: we collect the details through the guided chat.
Who files the procedure?
Managora files it in your name with Banco de España - Departamento de Conducta de Mercado y Reclamaciones. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.
Can it be done online?
Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.
Related procedures
- Full claim on your revolving credit card (tarjeta revolving) or revolving credit line, from start to finish
- Request to the finance company for the contract and the history of your revolving credit card (tarjeta revolving)
- Review of your revolving credit card (tarjeta revolving) or revolving credit: whether you have a case and how much you have overpaid
- Formal claim to the lender of your revolving credit card (tarjeta revolving), by burofax with proof of receipt
- Reply to the fund or the debt-collection company claiming your card debt
- Court claim to void a revolving credit card (tarjeta revolving) for usury or unfair terms (Ley Azcárate + TRLGDCU + STS 149/2020, 258/2023)
Based on the legislation in force and on the official site of the competent authority: Banco de España - Departamento de Conducta de Mercado y Reclamaciones ↗.
Managora Gestion SL (company number B88823893) is a private company. We are not Banco de España - Departamento de Conducta de Mercado y Reclamaciones, we are not affiliated with, authorised or endorsed by any public authority, and this website is not an official government portal. What you pay on this page is our fee for preparing, signing and filing the procedure on your behalf: it is separate from the official tasa, which where applicable belongs to the authority and is shown to you separately. You can carry out this procedure yourself, directly with Banco de España - Departamento de Conducta de Mercado y Reclamaciones.
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