This is the name of a group subsidiary in the immigrant segment that operates a chain of one-stop shops exclusively for such customers. It is designed around an innovative value proposition with specific services associated with immigrant culture.

These services cover all their financial needs: money transfers, personal loans, insurance, performance bonds for rental contracts, cards and mortgages. They also include non-financial services such as guidance, a job databases, travel arrangements, available accommodation listings and grants. 

dinero express is business model that did not previously exist in Spain or elsewhere in Europe. It is based on:

• specialisation and differentiation: a network exclusively for immigrants. The plan is to open 50 outlets in 2005 and have 100 by the end of 2006.
• convenience for immigrants: it provides a single place for satisfying basic financial and non-financial needs. Outlets are open from 10am to 10pm including weekends and all staff are immigrants from different countries.
• accessible and fast: families in other countries can receive money in minutes and loan enquires are answered immediately.
• cost advantages: through promotions and product discounts.