Your contact
Jean-Jacques LARAGNOU
Head of International Desk Iberian Peninsula (Spain, Portugal)
Jean-Jacques LARAGNOU
Head of International Desk Iberian Peninsula (Spain, Portugal)
Last updated: august 2025
The International Desk Spain of the Crédit Agricole Group provides support to the Group’s corporate customers in this country by relying on the Group’s entities and on leading local partner banks with a wide network of branches, covering all the needs of companies.
For non-banking, the International Desk offers the company Altios International as well as the support of local bilingual law firms or accountants and its leading partners in the internationalisation of companies.
Crédit Agricole Group businesses present in Spain:
· CREDIT AGRICOLE CIB: Corporate and Investment Banking,
· CREDIT AGRICOLE LEASING & FACTORING: Furniture Leasing, Factoring, confirming - Spanish version of reverse factoring,
· CREDIT AGRICOLE CONSUMER FINANCE with SOFINCO SPAIN
· Crédit Agricole Midcap Advisors, a subsidiary of the Crédit Agricole group specialising in mergers and acquisitions, also operates in Spain through its network of partners abroad.
General Information
Altios International, Business France or the Franco-Spanish Chamber of Commerce and Industry can help you discover the Spanish market for the dissemination of any type of product.
The hours of a working day in Spain are as follows: the morning usually starts at 09:00 to finish at 14:00 and the afternoon starts between 15:30 and 16:00 to finish at 18:00. This should be taken into account when contacting a Spanish company.
Means of Payment & Banking Specificities
Spanish banking law is close to that of France. However, there are specificities regarding certain means of payment: the check is never used in commercial transactions, the “SEPA direct debit” or direct debit due is widely distributed. For the rest, we find bills of exchange (BAO or “pagaré”, Bills of Exchange) to which are attached a cambiary recourse, transfers, confirming …
Another important feature is that all financing is signed before a notary.
In addition, the creation of a subsidiary ex nihilo requires a consulting firm to guide the company through the twists and turns of the Spanish administration. Here again ALTIOS Spain will also be able to take care of your non-banking needs (legal, tax and accounting).
Find out more
Find out more
Find out more
Find out more
