#1 Bank in Andorra · Euromoney 2025

Banking that fits your life, not the other way around.

Open a Trucrest Everyday Account today and get: no monthly fees with direct deposit, free global ATM access, and a €50 welcome bonus.

  • 0€ maintenance with payroll (≥800€/month)
  • Mastercard World Debit included
  • 24/7 support in 4 languages
Open now · 5min
Trucrest Platinum Card · 2% unlimited cashback

Rewards that feel good, every time you spend.

From daily coffee to weekend getaways, earn cashback on everything. No categories, no limits.

  • 2% cashback on all purchases – paid monthly
  • No foreign transaction fees
  • Travel and purchase protection included
Apply now
Home financing · from 2.65% APRC

Buy your first home with as little as 10% down.

Fixed and variable mortgages, tailored to your situation. Get pre‑approved in 24 hours with no commitment.

  • Up to 40-year terms available
  • Offset mortgage option
  • Free mortgage calculator & advice
Check your rate

Why Trucrest?

Independent, family-led, and focused on your long‑term success since 1952.

A+ rating €8.2B assets 98% sat.

Independent & stable

No outside shareholders – we answer only to our clients.

Sustainable investing

€1.2B in ESG funds, net‑zero by 2040 commitment.

Local experts

Average 12 years experience, many are clients themselves.

What can we help you with today?

Everyday Account

No monthly fee with €800+ direct deposit. Includes Mastercard World, free SEPA transfers, and mobile wallet.

0€ fee option 1.5% cashback
Learn more

Trucrest Platinum Card

Visa Infinite with 2% unlimited cashback, no foreign transaction fees, and travel insurance included.

0€ first year 2% cashback
Compare cards

Fixed mortgage 2.65% APRC*

Fixed for 5, 10 or 15 years. No early repayment fees. Get a decision in principle in 24h.

2.65% APRC up to 90% LTV
Calculate

Savings Builder

2.75% AER variable, no minimum balance, instant access. Also offer child accounts and ISAs.

2.75% AER no fees
Start saving

Global Investment Funds

Diversified portfolios starting at €50. Choose from ESG, tech, or emerging markets. Management fee from 0.35%.

0.35% fee €50 min
Discover

Life & Protection

Life insurance, income protection, home and car – bundle and save up to 15%. No medical exam options.

up to 15% off
Protect

2.65%

APRC mortgage fixed

2.75%

Savings AER

€0

monthly fee option

98%

client satisfaction

Everyday banking
Mastercard World · 1.5% cashback

The Everyday Account that pays you back

  • No monthly fee with €800+ payroll deposit
  • 1.5% cashback on all purchases – paid monthly
  • Free ATM withdrawals worldwide (50k+ locations)
  • Round‑ups that automatically invest spare change
  • 24/7 online banking and phone support
Open account Takes 5 minutes
Loans from 3.9% APR
3.9% APR for existing clients · decision in 1 hour

Turn your dreams into reality with a personal loan

  • Borrow €5,000 – €75,000 with no origination fee
  • Flexible terms 1–7 years, no prepayment penalties
  • Funds deposited as soon as next business day
  • Preferential 3.9% APR for clients with direct deposit
  • Skip one payment per year (holiday option)
Check your rate Won't affect credit score
Start from €50
200+ funds · 0% commission on savings plans

Invest in your future, no matter the amount

  • Access to BlackRock, Vanguard, Amundi funds
  • Thematic portfolios: tech, healthcare, climate action
  • 0% commission when you set up a monthly savings plan (from €50)
  • ESG funds that align with your values
  • Professional management from 0.35% fee
Explore funds Risk questionnaire available

Tools & resources to help you thrive

Mortgage calculator

Estimate monthly payments and see what you can afford.

Try it

Retirement planner

Project your income and see if you're on track.

Start planning

Currency converter

Live rates for 40+ currencies, free for clients.

Convert

Security center

Tips to protect your money and report fraud.

Learn more

Your dedicated team

Elena Costa

Elena Costa

Head of Private Banking, 18 yrs

Specializes in cross‑border wealth.

Marc Ribera

Marc Ribera

Senior Wealth Manager, 15 yrs

ESG and impact investing expert.

Sofia Puig

Sofia Puig

Mortgage Specialist, 10 yrs

Helped 800+ families buy homes.

Real stories from real clients

client
Laura Martínez
Client since 2019, Andorra

"Trucrest made buying my first home so easy. Marc explained every step and got me a 2.65% rate. I finally feel financially confident."

client
Jordi Casals
Client since 2020, Barcelona

"The online banking is intuitive and fast, and the customer service team is always friendly. Better than any bank I've used."

Committed to a sustainable future

We're planting one tree for every new account opened in 2026. Download our ESG report.

Download report

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