Commercial, Personal Banking & Services

BNP Paribas in Spain

Our Commercial, Personal Banking & Services division brings together the retail banking networks of the BNP Paribas Group and such specialist businesses as Arval, BNP Paribas Leasing Solutions, BNP Paribas Personal Finance, Factor, Nickel and UCI. Each of them offers products and services tailored to customers’ needs, providing daily support and helping them to realise their projects.


Sustainable mobility services

Arval, specialized in intelligent and sustainable 360° mobility services, offers a wide range of innovative solutions and provides a high quality personalized service to its customers, from large corporations to private individuals. With more than 30 years of experience, a presence in thirty countries and a financed fleet of more than 1.5 million vehicles, Arval is a world leader in its sector. Its Arval Beyond strategic plan prepares it to grow steadily and offer its customers the best sustainable mobility adapted to their needs.

BNP Paribas Personal Finance

Consumer finance

Cetelem is the commercial brand of BNP Paribas Personal Finance in Spain, the consumer credit division of BNP Paribas. It is a financial partner of the main Spanish and international brands of large distribution and the automobile and, in addition, a benchmark for market analysis thanks to the studies of the Cetelem Observatory.

BNP Paribas Personal Finance has 20,000 employees serving more than 20 million clients in 30 countries on four continents.



Nickel offers a unique business model that seeks to compete with traditional banking by offering customers the ease of opening an account in lottery shops and tobacconists. This model seeks to develop a culture of proximity and trust, offering the opening of accounts without conditions and at a reduced cost. Nickel has more than 3 million customers in Europe.

BNP Paribas Leasing Solutions

Equipment, leasing and finance solutions

BNP Paribas Leasing Solutions provides companies with ways of leasing and financing fixed capital, tailored to their needs. Its experts advise those professionals wishing to finance a fixed capital investment, to sell this type of asset, or to outsource and finance the management of their plant and equipment. With more than 3,700 co-workers worldwide, it is Europe’s leader in the financing of professional equipment.

BNP Paribas Factor


Efficient management of operating capital at a company serves to optimise resources which can then be dedicated to growing the business. With more than 3 billion in assigned turnover, BNP Paribas Factor is one of the main players in the Factoring market in Spain. It is also a global leader in Europe with a market share of 9%. BNP Paribas Factor fulfils companies’ financing needs at the local level, for imports and exports, and beyond Spain’s borders through its international products, offering a wide range of factoring services via its branches in Madrid, Barcelona and Bilbao.


Mortgage finance

UCI, Unión de Créditos Inmobiliarios, specializes in sustainable financing and promotes the responsible purchase of housing through personalized loans and mortgages that put people and their life projects at the center. With its solutions, it contributes to the renovation and energy improvement of the Spanish housing stock under a criterion of sustainability, energy efficiency and respect for the environment.

UCI is a member of the United Nations Global Compact. The entity, with more than 30 years of experience, belongs to the BNP Paribas Group and Banco Santander, both with a 50% shareholding.

Would you like to know more about our Commercial, Personal Banking & Services division? Check more information on the Group’s web here

For further information contact our experts