The "Centralizing Account" service of Caja Rural will let your company optimize the financial resources and improve the management of the treasury, placing at your disposal functionalities such as:

- connection for the accounts of the different delegations of your company or group of companies,
- possibility to carry out sale scanning between the different accounts,
- controlling the maximum daily amount charged on each account,
- moving the revenues and the payments from the peripheral accounts to a single centralizing account.

This service is not available for company delegations, companies belonging to the same group, purchase central departments, etc... with domiciliated accounts in Caja Rural.

Caja Rural accounts allow make all the transactions you need to repeat on a regular basis.

You will have immediate access to funds, and receive regular information about your transactions in your statements.

You can access your funds freely using Caja Rural chequebooks and cards, and by means of the RuralVía Remote Banking service, which allows you to check your account and make transactions in real time, from the comfort of your home or office

If you are enterprising and are thinking of setting up your own business, don't hesitate to open a Caja Rural Company Savings Account.

With the Caja Rural Company Savings Account, you can save to make your dream come true, and you'll also be eligible for some very good tax benefits.

Characteristics of the Caja Rural Company Savings Account:

All the payments you make into your Company Savings Account care are free of tax during the four years prior to entering your company on the Companies Register, and can be spent on:

• Purchasing fixed tangible and intangible assets. 
• Constitution and set up costs.
• Personal expenses.

Total flexibility: You decide when and how much you want to save, and you can make the payments little by little or as a lump sum.

Guaranteed profitability: You will receive annual returns on your savings. If you wish, you can allow the interest earned to accumulate in your savings account.

Tax treatment and savings: you'll enjoy significant tax benefits, and can deduct 15% for the amounts deposited in your account, up to a limit of 9,000 € per annum.

To secure your cash and liquid assets, invest in IPF (fixed term deposits) and Treasury Bills with a buyback agreement from Caja Rural.

IPF (fixed term deposits)

Guaranteed income over periods that adapt individually to your company’s needs.

With Caja Rural’s fixed term deposits you can invest for periods of between one month and one year, according to when you foresee you will need the funds for other purposes.

A fixed term investment option that allows you to choose:

• The investment period that best suits your needs.
• The amount you wish to invest, without maximum or minimum limits.
• The currency, with the option to take advantage of the highest interest rates and fluctuations in exchange rates.
• Automatic renewal.
• Regular interest payments.

Treasury Bills with buyback agreement

Treasury Bills with buyback agreements are State Bonds issued through auctions, shown as book entry trading, that “Caja Rural” assigns to its clients with a buyback agreement and for a fixed period.

These are short- or long-term investments (maximum 18 months) for excess liquid assets, with benefits fixed at the time of contract and linked to the Government Debt Market.

Among the benefits are:

• Guaranteed availability of funds throughout the term by means of early buy back at market value.
• Secure investment, the value of which varies according to the value of Government Debt.
• The profits earned are not subject to withholding tax on account, nor in IRPF (personal income tax) nor Company Tax.

Investment Funds are among of the best options available for investing your savings at this time.

Among their many benefits, they are more flexible and simpler than other types of investment, as they allow access to all markets using just one product, professionally managed by financial market experts with greater profitability than other financial products.

At Caja Rural we give you advice to help you decide, and are sure to have the product that best suits your needs… because when it comes down to it, your money is worth more with us.

- Discover your investor profile
- Choose your investment fund 
- Advantages
- Frequently asked questions

Guaranteed income over periods individually adapted to your company’s needs.

Caja Rural offers deposits over a fixed term, during which their profitability remains the same. The rate of interest varies according to the type, term and moment when the deposit is made.

This product is particularly suitable for firms, companies and professionals with resources they do not foresee they will need during a fixed period of time.

And if what your company needs is to make its excess liquid assets work for it in the long term, with Fixed Interest investments you can be sure that at Caja Rural you can count on swift, professional attention from our team of managers, who’ll find you a solution that is tailor made in terms of risk and investment term, offering security and quality management services.

Make your excess liquid assets work for you by investing in Variable Rate, backed up by specialised advice from our managers at Caja Rural

In addition, you can manage your assets using our Ruralvía Remote Banking investment service.

All you need to do is connect to Ruralvía at any time of the day or night, or by calling 902 310 902 between 8am and 10pm, and you can operate with maximum security and confidentiality.