Spain · Credit institution
Ibercaja Banco S A
Legal name in the LEI recordIBERCAJA BANCO S.A.
Ibercaja Banco, S.A. is a Spanish public limited company with its registered office in Zaragoza. It is registered with the Banco de España under code 2085. Four foundations that came from former savings banks own all of its shares. Fundación Bancaria Ibercaja holds about 88%, and Fundación Caja Inmaculada, Fundación Círculo Católico de Burgos and Fundación Caja Badajoz hold the rest. The bank provides retail, business, personal and private banking in Spain. Its subsidiaries provide asset management, pensions and insurance. It was created in 2011 to take over the banking business of Caja de Ahorros y Monte de Piedad de Zaragoza, Aragón y Rioja. It acquired Banco Grupo Caja3 in 2013 and absorbed it in 2014.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- Ibercaja Banco, S.A.
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Size (Total assets EUR 30-50 bn)
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- Ibercaja Banco, S.A.
- RIAD code
- ES2085
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Comisión Nacional del Mercado de Valores (CNMV) | 2011-09-30 | A1 A2 A3 A4 A5 A6 A7 A8 A9 B1 B2 B3 B4 B5 B6 B7 |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CAZRES2ZXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under CAZRES2Z directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD Core · SDD B2B · OCT Inst · VOP · T2 · TIPS
- Branch codes
- 2 branch codes
- BIC first registered
- 1982-05-31
- Last updated
- 2025-11-15
Overview
Researched 29 Sep 2026 · Sources
Total assets
Not published
Employees
Not published
Ownership
Foundation or trust
88.04% Fundación Bancaria Ibercaja
Institution type
Savings bank
Trades as Ibercaja
- Ownership
- Fundación Bancaria Ibercaja holds about 88%, and Fundación Caja Inmaculada, Fundación Círculo Católico de Burgos and Fundación Caja Badajoz hold the remaining shares.
- Direct parent
- Fundación Bancaria Ibercaja, Spain 88.04%
- Head office
- Plaza de Basilio Paraíso, 2, 50008 Zaragoza, Spain
- Company register
- Registro Mercantil de Zaragoza, Tomo 3865, Folio 1, Hoja Z-52186 (NIF A-99319030); Banco de España Registro Especial code 2085
Business lines
The bank operates only in Spain. It focuses on households, self-employed customers and SMEs, and sells funds, pensions and insurance through its own subsidiaries and through a bancassurance alliance with Caser.
Online
- Websites & references
- ibercaja.com ↗
ibercaja.es ↗ retail and commercial customer site
Wikidata Q5907815 ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗ · TikTok ↗
Sources · 13 pages consulted
- ibercaja.com/shareholders-and-investors/corporate-governance-and-remuneration-policy/board-of-director
- ibercaja.com/shareholders-and-investors/corporate-governance-and-remuneration-policy/management-team
- ibercaja.es
- ibercaja.com/sobre-ibercaja-banco/quienes-somos
- ibercaja.com/detalle-sala-de-prensa/noticias/10027
- ibercaja.com/detalle-sala-de-prensa/noticias/8835
- ibercaja.com/detalle-sala-de-prensa/noticias/4677
- media3.ibercaja.net/ibercaja-es/documentacion-a-clientes/general/cuentas/comisiones/cuenta-corriente.pdf
- boe.es/diario_boe/txt.php?id=BOE-A-2023-10211
- infobae.com/america/agencias/2026/07/01/ibercaja-nombra-un-nuevo-consejero-externo-y-eleva-el-numero-
- eleconomista.es/banca-finanzas/noticias/13939601/05/26/ibercaja-buscara-alianzas-o-compras-para-impulsar-
- elcorreogallego.es/economia/2026/05/27/ibercaja-crea-segundo-fondo-reserva-130728863.html
- nuevecuatrouno.com/2024/04/27/ibercaja-no-contempla-la-salida-a-bolsa/
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Víctor Iglesias Ruiz
CEO (Consejero Delegado), Member of the Board of Directors and the Executive Committee
- Chair
-
Francisco Serrano Gill de Albornoz
Chairman of the Board of Directors, the Executive Committee and the Strategy Committee
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- Spain
- Banco de España Central bankPrudential supervisorConductResolution
- Spain
- Comisión Nacional del Mercado de Valores (CNMV) SecuritiesConduct
- Spain
- Servicio Ejecutivo de la Comisión de Prevención del Blanqueo de Capitales e Infracciones Monetarias (SEPBLAC) AML supervisor
- European Union
- Single Resolution Board Resolution
Recent events
Researched 29 Sep 2026 · Sources
-
Leadership
The general meeting enlarged the board of directors from 11 to 12 members and appointed a new external director.
infobae.com ↗ -
Other
The chief executive stated that a stock-market listing was ruled out and that mergers with other mid-sized banks were not being considered.
eleconomista.es ↗ -
Other
Fundación Bancaria Ibercaja completed the reserve fund required by the 2013 savings banks law, which removed the legal obligation to list the bank.
nuevecuatrouno.com ↗ -
Leadership
The board approved a new management structure of 13 areas reporting directly to the chief executive.
ibercaja.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- CAZRES2ZXXX
- How the BIC breaks down
- CAZRBank
- ESCountry · Spain
- 2ZLocation
- XXXBranch · head office
- Branch description
- HEAD OFFICE
- LEI
- 549300OLBL49CW8CT155
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- Código de entidad (NRBE) 2085
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Spain · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- Operates MIC IBER list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 2011
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- PLAZA DE BASILIO PARAISO 2 ZARAGOZA, 5 50008 482 SPAIN
- Operational address
- PLAZA DE BASILIO PARAISO 2 ZARAGOZA 50008 ZARAGOZA POB 482 SPAIN
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CAZRES2ZXXX</BICFI>
<LEI>549300OLBL49CW8CT155</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CAZRES2ZXXX</BICFI>
<LEI>549300OLBL49CW8CT155</LEI>
<Nm>IBERCAJA BANCO S A</Nm>
<PstlAdr>
<TwnNm>ZARAGOZA</TwnNm>
<Ctry>ES</Ctry>
<AdrLine>PLAZA DE BASILIO PARAISO 2 ZARAGOZA, 5 50008 482</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2011-10-01 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2017-11-21 | Head office | — |
| SEPA Direct Debit CoreISO 20022 messages | 2011-10-01 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2011-10-01 | Head office | — |
| One-Leg Out Instant Credit TransferISO 20022 messages for the euro leg | 2024-11-04 | Head office | — |
| Verification of Payee | 2025-09-30 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Market identifiers
One trading venue or reporting service run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| IBER | IBERCAJA BANCO SAIBERCAJA | Operating MIC | Not specified |
National bank codes
Código de entidad (NRBE) · Spain
1 code file of 2026-09-24
| Code | Routes to BIC | Name in the national file | City |
|---|---|---|---|
| 2085 | CAZRES2ZXXX | IBERCAJA BANCO, S.A. | ZARAGOZA |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Branch network
All 2 branch BICs connect to the head office. They are all in Zaragoza, and no function or registration year splits them further.
Hover over a branch or group to see its details
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| CAZRES2ZECC | ECC TRANSACTIONS | Zaragoza | PLAZA DE BASILIO PARAISO 2 ZARAGOZA 50008 ZARAGOZA POB 482 SPAIN | — | 2025-09-13 |
| CAZRES2ZSVI | ANCILLARY SYSTEMS TRANSACTIONS | Zaragoza | PLAZA DE BASILIO PARAISO 2 ZARAGOZA 50008 ZARAGOZA POB 482 SPAIN | — | 2025-09-13 |
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Spain (Source: Banco de España).
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: Asertoh · CC BY-SA 4.0 · Wikimedia Commons · original; Víctor Iglesias Ruiz: ibercaja.com (official website) · original; Francisco Serrano Gill de Albornoz: ibercaja.com (official website) · original.
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