The amount of any Bizum payment cannot be higher than €500 or lower than €0.50.

Up to a maximum of €2,000 per day and €5,000 per month can be sent or received.

Customers can send and receive a maximum of 60 Bizum transfers per month.

To make changes to your contracts, please contact your local branch directly.

You can activate your debit or credit card at any of our cash machines or at one of our branches.

No, Bizum is completely free of charge.

To purchase a financing, saving or insurance product, please contact your personal manager or visit any of our branches.

If you would like us to contact you with more information about your chosen product, please fill out the form in the Apply section of the product page.

The first step in making online purchases using MoraBanc cards is to sign up for the online purchase service. It is also essential that you provide us with the mobile phone number where you want to receive the OTP codes.

Please call Telebanc on + 376 884 884 or contact your personal account manager.

If you have a CIP code for your transactions and have activated the SMS alert system, your phone number has already been validated and you will automatically receive the OTP codes on this same number from 14 November.

If you are interested in becoming a client, please fill out the form available in the Become a client section of our website or visit any of our branches.

Log in to your desired securities account from the Investment module in the overall position and complete the purchase:

a. By selecting the Buy option using the drop-down button Action.
b. By selecting Buy via the Transactions tab.
c. By clicking on Buy in the securities account once you’ve chosen the security you’re interested in.

Once you’ve filled out the requested information, don’t forget to sign the transaction, otherwise it won’t be executed.

In order to bank through our remote channels (MoraBanc Online, mobile app and Telebanc), you will need your online and telephone banking details.

You can get your log-in details by contacting your personal manager or in any of our branches.

You can change a card's personal identification number (PIN) at any cash machine using the Change PIN option.

You will be requested to enter your current PIN and define a new one.

To cancel your registration for MoraBanc Digital services, contact your usual branch directly.

If your request is urgent, contact Telebanc, calling at +376 884 884.

You can change or update your personal details by contacting your personal manager or by visiting any of our branches.

If the transfer has been completed and the money has reached the recipient, it will not be possible to cancel or reverse it.

You can contact us using any of the following methods:

• Through Telebanc, our telephone Client service, calling at +376 884 884.
• By filling out our contact form available on our website.
• By emailing us at morabanc@morabanc.ad
• In any of our branches

At MoraBanc we offer a whole range of card payment options that are tailored to meet the requirements of your infrastructure and business activity.

Learn more about the various types of POS terminals available under Collections & payments in the Business section.

To change the maximum transaction limits on your account, please visit any of our branches or contact your personal manager.

Learn more about our cards for individuals under Accounts & cards in the Individuals section of our website.

If you are looking for a business card, go to Collections & payments in the Business section.

To learn more about our cards for Private Banking clients, go to Exclusive products in the Private Banking section.

Find out more by visiting any of our branches.

The documents available in MoraBanc Digital can be sent by e-mail, be printed or downloaded on PDF format.

If you encounter an error while using our services or channels, please contact us through our Suggestions Box.

You can view the composition of our management bodies and other relevant information about the MoraBanc Group under Corporate Information in the "About us" section of our website.

To view the list of shares available for purchase/sale, go to the Online Broker via the computer icon in the securities account header or the investment tab.
You can view the securities available under the My Broker and Markets tabs.

You can find the IBAN (bank account number) of your account via MoraBanc Online and MoraBanc App or the mobile app.

The IBAN is a 24-digit number (ADXX-XXXX-XXXX-XXXX-XXXX-XXXX) which appears under every account alias.

If you only have the account number, you can use an IBAN calculator such as the one shown in this link.

A tariff of maximum fees applied to your purchased services is available at the bottom of our website. You can view it via this link.

In order to repay a loan or mortgage, please visit any of our branches.
 

Your preferred stocks will appear in My Broker, a customisable section where you can keep track of share prices. 

You can mark a stock as favourite in two different ways:
a. If you already hold the stock in your portfolio, you can mark it as favourite through your chosen securities account by selecting the stock and using the Mark as favourite option in the Action menu.
b. Via the Online Broker. Select the relevant index, then go to the list of stocks and click on the star displayed to the left of your chosen stock.

1. Open the MoraBanc app.
2. Select Bizum from your general settings or from Accounts.
3. Sign up to service by linking the mobile telephone number associated with your MoraBanc Digital account (even if it is not an Andorran one) to any bank account you hold. 
4. Confirm the process by entering the authorisation code that you will receive via a text message.

Your preferred indices will appear in a highlighted section on the My Broker screen. 
You can mark an index as favourite via the Online Broker by accessing your chosen index and by clicking on the star displayed at the top right-hand corner.

My Broker is a section that can be personalized based on your preferences.
You can choose what items are shown on the screen and the order in which they are displayed. All you have to do is go to the settings icon (gear).

You can sort your preferred items by dragging them and show or hide them by clicking on the right-hand-side icon.

Your preferred stocks will appear in My Broker, a customisable section where you can keep track of share prices. 

You can mark a fund as favourite in two different ways:
a. If you already hold the fund in your portfolio, you can mark it as favourite through your chosen securities account by selecting the fund and using the Mark as favourite option in the Action menu.
b. Via the Online Broker. Go to funds and click on the star displayed to the left of your chosen fund.

Bizum transfers are usually processed instantly, so the money should be in the recipient account almost immediately. However, if any problems arise with the transfer, it could take longer

Your transactions thorugh MoraBanc Digital are secured in two ways: firstly, through your password, which you can set in your personal area. Secondly, you will receive an SMS or email (whichever you prefer) with an authorization code sent by MoraBanc.

A secure online store (CES) is one that has implemented the 3D Secure system of the Visa and MasterCard card brands. This service ensures purchases made on the Internet are much more secure by authenticating the buyer as the legitimate holder of the card used for payment.

If you wish to increase your credit limit, please contact your local branch directly.

Find out more about the MoraBanc Group in the Who are we? section of our website.

Find out more about Mora Wealth under MoraBanc International in the Who are we? section of our website or by visiting www.morawealth.com

Yes, you can reject any request for money by accessing Bizum’s pending transactions functionality.

Yes, Bizum is a secure payment service. The service uses the latest security technology to protect your data and financial transactions. However, you should always be careful when you send money to people you do not know, as there is always the risk of a scam.

Learn more about our insurance policies for individuals under Insurance policies in the Individuals section of our website.

If you are looking for business insurance, go to Cover in the Business section.

Find out more by visiting any of our branches.

Our legal notice and terms of use are available at the bottom of our website, in the Legal notice section, or using this link.

Learn more about our personal loans under Loans in the Individuals section of our website.

If you are looking for a business loan, go to Financing in the Businesses section.

Find out more by visiting any of our branches.

If you already are a MoraBanc customer and you have downloaded and want to use the app, all you need to do is visit your local branch. You will be asked to sign a contract and will be given your log-in details.

To use MoraBanc Online or our telephone banking service, please contact your personal manager.

This service is free and allows you to do your banking from anywhere in the world through MoraBanc Online or Telebanc.

For more information, please contact your branch.

MoraBanc Digital is our new banking concept that aims to meet our customers’ changing needs and establish us as a leader in innovative, service-oriented banking solutions.

It consists of two basic platforms available for all our customers who have contracted the services of online banking:

• MoraBanc Online: a new online banking with improved and expanded functionalities, adaptable to any kind of screen, no matter the device.
• MoraBanc App: the mobile banking application that allows you to manage your day to day finances, available for IOS and Android devices.

If you still haven’t checked it out, you can do so by visiting this link.

Our head offices are located at Av. Meritxell 96, in Andorra La Vella.

View our branch network and their opening times, as well as the location of our ATMs through this link.
 

To transfer your Direct Debit payments to MoraBanc, all you need to do is visit your local branch with a copy of your bills. We will take care of the rest.

Learn more about our mortgages for individuals under Mortgages in the Individuals section of our website.

If you are looking for a business mortgage, go to Finance > Long-term finance in the Business section.

Find out more by visiting any of our branches.

To make an online purchase from a secure store, the card holder needs to:

1. Enter their card details.
2. They will receive an SMS on their registered mobile phone with a 6-digit numerical code. This is the OTP (One Time Password) code, which is valid only for the transaction being completed.
3. Once the code has been entered, the payment is confirmed and the transaction is completed successfully.

In order to increase security, the maximum time to complete the process is 10 minutes from the moment the payment is initiated until it is confirmed.

You can make all kinds of payments and transfers via our Online Banking. Go to Accounts and cards / Movements / Send funds.

Select the type of payment that you want to make and complete the required details.

You can also visit any of our branches.

You can set your current account to trade in multiple currencies.

For more information,  you can also fill out the form at the bottom of this page and we'll get back to you as soon as possible.

You can order a cheque book directly from your personal manager or through any of our branches.

View the different types of accounts available from our website.

If you need more information about the requirements for opening an account, please visit our branches or  fill out our contact form.

Read our blog to learn more.

MoraBanc’s Online services rely on the most advanced security technology.

For more information, check out the Security section located at the bottom of our website.

You can pay cash directly into our cash deposit machines.

You need to know the IBAN number of the account you'd like to pay the money into and hold a MoraBanc card or an InCard associated with that account.

Locate our cash deposit machines here.

Cheques can be paid in directly over the counter in any of our branches.

If a payment or internal transfer is "Pending dispatch to branch", this means that the transaction could not be automatically processed and it will be completed by your manager.

You can ask for the reason for this problem by visiting any of our branches. 

• Card not working. This may be due to a problem with the chip or magnetic stripe; you will need to cancel the card and request a copy.
• Card blocked for security reasons. A wrong code has been entered several times. We have blocked your card so that it cannot be used by anyone. To unlock your card, please contact your branch.
• An incorrect charge has been made to your card. To cancel the charge, contact the store directly and ask for a refund. If the store does not reply to your request, contact your branch to fill out a form in writing and your personal manager will take the appropriate action.

If you encounter any problem with our products, please fill out a contact form on our website.

All your purchased products are automatically linked to your MoraBanc Digital account. No action is required on your part.

If you have problems viewing your products, please contact your usual branch.

You can pay your credit card bills before the end of the month by going to the MoraBanc Online and MoraBanc App.

To carry out transactions via MoraBanc Digital, you will need your password.

If you can’t remember your password, recover it through "Forgotten your password?" at log-in and request a new one. You can also contact any of our branches.

The CIP code is a 6-digit number which is used on all our debit and credit cards to make purchases on secure websites.

It can be activated at any MoraBanc cash machine under the More options tab in the main menu.

If you need more information, please call TeleBanc on +376 884 884 or contact your personal manager.

From 14 November 2020, the CIP code will be replaced by the OTP code (One Time Password), a single-use numerical code valid for one transaction only which you will receive by SMS on your mobile phone every time you make a purchase in a secure online store with your Visa MoraBanc. For further information about this improvement, please contact Telebanc on +376 884 884.

You can request a duplicate card via MoraBanc Online, by selecting it through Accounts and cards, then go to Transactions/Request duplicate.

You can select the MoraBanc branch you want to pick it up or if you want it to be mailed to your address.

 

If you need to request foreign currency you can do it:
- via remote channels (MoraBanc Online and MoraBanc App). After two working days will be available in the office you select.
- or by contacting your personal manager and indicating the amount and type of currency you need.

If you would like to return or request a refund for a Direct Debit payment, you can do it  through MoraBanc Online and MoraBanc App.

If you cannot log in to MoraBanc Digital, please contact your personal manager.

We provide our Clients with safe deposit boxes for rental.

Find out more by visiting our branches.

You’ll find the option for scheduling market alerts under the Investment tab. Once in the tab, go to the bottom of the page and add the alert using the bell icon. Fill out the details for your alert and save it. You can edit or delete an alert whenever you like.

The notifications will be sent to the email address registered in your online banking account.

Until now, a six-figure code that only you knew, called the CIP code, was used to authorise a purchase from an online store.

From 14 November 2020, the CIP code will be replaced by the OTP (One Time Password) code, a single-use numerical code valid for one transaction only, which is sent by SMS to the card holder’s registered mobile phone every time an online purchase is made from secure stores using MoraBanc cards.

Any MoraBanc Visa card can be converted into a Solidarity card. Every time you use your Solidarity card, you will make a small contribution to your chosen charity by rounding up the amount of your purchase.

To supplement your contribution, MoraBanc will donate the same amount to your chosen charity.

You can schedule the sale of a stock if the share price is lower than your specified price. 
Once you’ve logged into your securities account, go to Transactions, fill out the requested information, select the Stop Loss market order, check the required parameters and sign the order.

The SMS alert service will send a message to your mobile phone every time you use your card to make a payment above the amount specified by you (from €60).

Activation is available through MoraBanc Digital (mobile application, Ipad and online banking).

MoraBanc will not charge you for this service. Please contact your telephone operator for details of any data transfer and roaming charges that may apply.

Telebanc is our telephone Client service.

It is available from Monday to Friday from 8:45am to 5:45pm, except Bank Holidays in Andorra.

Learn more about our deposits under Savings in the Individuals section of our website.

Find out more by visiting any of our branches.

MoraBanc Junior is an account that helps children to learn the value of saving in an easy and fun way.

We are constantly organising events for the little ones, including workshops on saving and financial education for children.

To find out more about our next scheduled workshops and activities, please contact your personal manager or call TeleBanc on +376 884 884.

You can transfer cash to your current account from your credit card. You can transfer up to the credit limit available on your card at the time of the transaction.

You can do it via MoraBanc Digital, or you can contact any of our branches.

On compatible IOS devices you can use your fingerprint or face to identify yourself when entering the application or signing transactions.

To use this feature, you need to record your fingerprint or face in the device settings; once this is done you can link it to MoraBanc App to log in.

You'll need to go to the login screen and delete your login details if they had been stored previously. Activate the "Remember user" option and enter your login details. A new screen will open allowing you to activate Touch ID/Face ID for that user, click "Yes".

Every time you open the app, a window will open to identify you with your fingerprint or face. ;If you close the screen by mistake, simply hold your finger on the fingerprint; under the MoraBanc logo and the window will open automatically.
 

• You have forgotten your Online Banking log-in details. In this case, please contact your personal manager or call Telebanc on +376 884 884.
• Your access has been blocked because you have reached the maximum number of failed log-in attempts. If you hold several MoraBanc Digital contracts make sure you enter the PIN relating to the contract you are using to log in.
• There is a technical issue with your user name and/or password.

You can view your account movements visiting any of our branches or by going to the MoraBanc Online and MoraBanc App.

You can view your account movements visiting any of our branches or by going to the MoraBanc Online and MoraBanc App.

You can view the price of a security through the Broker Online service available on our website.

The service is also available through MoraBanc Online and MoraBanc App.

View the location of our branches and ATMs through the link available at the bottom of our website or by clicking here.

You can view your account number visiting any of our branches or by going to the MoraBanc Online and MoraBanc App.

Find out more about our available properties by visiting any of our branches.

You can view your securities portfolio using the Positions option within the menu Investment

You can view the performance of our investment funds under Investment funds in the Asset management section of our website.

You can also do so via MoraBanc Online and MoraBanc App under the Investment funds tab.

You can log in to MoraBanc Digital from any device as it will adjust to any type of screen. Accessible from Chrome, Safari, Firefox, Opera and Internet Explorer (from version 9).

The mobile phone app is available in three versions: iOS for iPhone, iOS for iPad and Android device.

You can withdraw cash against your credit card from any ATM. You can withdraw up to the credit limit available on your card at the time of the transaction.

You can do so at any of our cash machines under the Cash withdrawal / Credit account option.

Online banking offers virtually the same options as your account manager in branch, with the added freedom of being able to do your banking from any device and from any location.

Through the mobile application, you will be able to view your overall position and manage your accounts and cards using any profile. In addition, the app’s design is better suited to your mobile phone and brings increased speed.

Bizum is a payment service integrated in the MoraBanc app that allows you to send and receive money instantaneously, fast and easily from your account to another person’s without having to know their account number by simply linking your mobile telephone number to your bank account. To use Bizum, both you and the person to whom you send money will have had to enable the Bizum service.

If you would like to work or complete a placement with us, find out more under Work with us in the Who are we? section.

You needn’t worry. That person will receive a text message informing them that you want to send them money and that to receive it they must enable Bizum on their bank’s app.

If they haven’t enabled the service within 7 days, the transaction will be cancelled.

If you believe someone has had access to your MoraBanc Digital log-in details or your password, change them immediately to ensure the security of your accounts.

You can do so using:

• MoraBanc Online and MoraBanc App: Under Change your details in the Personalise section.
• By telephone. By calling TeleBanc, our telephone Client service, on +376 884 884.