Anti-money laundering and combating the financing of terrorism (hereinafter, AML/CFT) is one of the main instruments employed for the prevention of issues arising from crime related activities, especially for those associated with criminal organisations. In a global economy, the role of normative legislation, which various countries have put in place, is increasingly important, in order to combat and prevent the channelling of funds being used to launder money, through their financial systems, with a dual objective: firstly to discourage criminal activity by hindering the use of income and, secondly, to maintain a strong reputation in order to avoid the deterioration of international relations, either on a political, social or economic level.

At the same time, controls over national and international terrorist organisations have been implemented, since these activities pose a serious threat due to their impact on society and due to their heightened complexities in being able to detect them.

CaixaBank Group has put in place AML/CFT policies and procedures intended to comply with current Spanish legislation, mainly composed of Law 10/2010, of 28 April, on prevention of money laundering and financing of terrorism, as well as its regulations, Law 12/2003, of 21 May, on impeding the financing of terrorism, Royal Decree 304/2014, of 5 May, which approves the Regulation of Law 10/2010, as well as the legislation and regulations at a European level and the highest standards of international organisations, mainly represented by the Recommendations of the Financial Action Task Force (FATF).

AML/CFT Documentation

General Statement 

AML/CFT & Sanctions Questionnaire (Template)
CaixaBank’s AML/CFT & Sanctions Questionnaire (Completed)

PATRIOT ACT Certification

Pursuant to the USA PATRIOT Act and final rules issued by the U.S. Department of the Treasury, a U.S. bank or a U.S. broker-dealer in securities (a "Covered Financial Institution") is required to obtain certain information from any "Foreign Bank" that maintains a correspondent account with it

As permitted by the final rules, CaixaBank has prepared a Global Certification for use by any financial institution that believes it requires a Patriot Act Certification from CaixaBank or its listed foreign branches. Please use this Certification instead of asking CaixaBank or its listed foreign branches, to complete a separate Certification form.

Additional information:
CaixaBank Patriot Act Certification, including the list of Foreign Branches covered