EncuenTRA: find the banking rules that matter to you

25/08/2026

Have you ever wondered what regulations apply if you pay off a loan early? Or whether there is some standard good practice regarding the service fees you pay on the account linked to your mortgage?

The EncuenTRAAbre en ventana nueva tool from the Banco de España is free and can be used by anyone to look up the main regulations and standards for good practice on how banks should behave, how transparent they should be and how they should protect their customers.

EncuenTRA lets you search for regulations and standard good practices using a range of filters, including the type of institution, product or service, topic, sources or keyword.