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Cash flow management

At Creand, we help you keep your company’s cash and capital under control to get the best profitability from the resources at your disposal.

How can we help you?

The solutions you need to keep your accounts straight. Choose what you need and we will help you.

Current Account

Manage your business worry-free with an account that makes it easy.

Online Payment

Enjoy online banking, a convenient tool with a wide range of operations always at your disposal.

Stock Market

Make national and international transfers easily and conveniently.


Open your account in different currencies.


Deposit cash any time at ATMs with the free 24h Card or any of our debit or credit cards.


Allow your foreign customers to pay in the major international currencies.

Drive your business towards digitalisation

Buy Online

If you don’t have a website, but you want to sell online, the POS Link is for you.

Cyber Card

If you already have your own website, you can integrate the POS Virtual payment gateway to accept payments through your online store easily and securely.


If you want to sell online through an e-commerce platform like Shopify, WooCommerce or Wix, integrate your business with MONEI and get started now.

24h Card

Creand’s 24h Card is the solution for companies that need to deposit or exchange cash any time of day, easily, quickly and securely.


You can use Creand’s Automatic Branches.


It does not expire and does not contain data about your account. Plus, it lets you use the deposit terminal and cash dispenser with zero fees.


There is a 24-hour helpline (+376 888 888) if there are any issues or you require assistance.


Our experts are always available to help you. You can use any of the contact channels to request assistance from Creand’s team of professionals.

Manage your business from your mobile

Sign up to Creand Online Banking and download our app to handle your projects no matter where they take you.


Check the movements of your business accounts and cards at any time.


Make national and international transfers conveniently and easily.


Access all the market information with e-Broker.

Wallet Money

Keep your investment products up to date with My Portfolio.

Download the Creand Online Banking app

Investment funds for companies

We offer you a wide range of investment funds to optimise your company’s cash flow and obtain higher profits.

Want to know more?

You can send a file by following these steps:

  • Access the “Files” section in the online banking menu and select the “Send a File” option” (remember that the file must respect the formats established by the Andorran Banking Association. Check them here)
  • Click “Select file” to upload it and follow the usual steps to confirm the operation.

You can make a request for files by following these steps:

  • Access the “Files” section and select “Files request”.
  • Click “New request” and specify the type of file you want to retrieve, the account and the date range.
  • Select the request generated in the list and click “Send”.

The request will be processed in a few minutes. Once the files are generated, a notification will appear at the top of your online banking telling you that the files are available to download.

You will be able to view the status of files sent by accessing the “Files” option in the menu and selecting “Files sent”.

From this page, you will be able to view the files that have been processed and see a summary of the most relevant information of each file submission: file type, total amount, number of documents in file, etc.

The joint signature service is a solution that allows transactions to be carried out with legal certainty through online banking in joint accounts that require the signature of more than one account holder or authorised representatives of the account for the approval and performance of transactions.

Joint signing is available for the following transactions:

  • One-off/deferred and regular interbank transfers
  • One-off/deferred and regular intrabank transfers
  • Payment remittances
  • Sending payment files:
    • ABA02 – Transfers
    • ABA08 – Payroll
    • ABA09 – Direct debited bills (payments)
    • Confirming
    • PAIN.001 – Transfers, payroll, direct debits (payments)

To activate the joint signing service, you need to send your adviser/branch a copy of the company’s power of attorney and request activation of the service.

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