Your position in the market, every morning, with the proof beside it.
For the teams that decide what your bank charges and pays, and for the people who ask them why.
- 1AvAvantioHipoteca Fija Avantio3.009%Home insuranceLife insuranceIncome ≥ €4,000/month
- 2ObOpenbankHipoteca Open Fija3.41%Home insuranceLife insurancePayroll ≥ €900
- 3IbIbercajaHipoteca Fija Vamos3.49%Home insuranceFunds ≥ €75Life insurance
- 4SaBanco SabadellHipoteca Fija3.58%Home insuranceLife insurancePayment protection
- 5CICaja de IngenierosHipoteca Fija3.606%Card spend ≥ €1,000/yrHome insuranceLife insurance
- 6DBDemo BankUsHipoteca Fija Demo3.62%Payroll depositedHome insurance+0.61 pp from the leader
- 7SnSantanderHipoteca Fija Bonificada3.65%Home insurance6 card payments/qtrPayment protection
- 1
The benchmark lives in Excel
Twelve websites, copy and paste, and the same work again next Monday.
- 2
The committee asks where it came from
And the answer is a browser tab that no longer says the same thing.
- 3
You find out late
The competitor cut its spread nine days ago. You heard it from a customer.
One team, a different question.
From manual benchmark to a view that updates
Your benchmarks per product line, with your bank pinned, the distance to the leader and the conditions that explain each price.
- Where do we stand on 12-month deposits?
- What does BBVA require for its bonus rate?
- Which fixed mortgages are under 3.5%?
What moved the market and what responding costs
The liability war, week by week: account and deposit pay-outs, mortgage spreads and who moves first.
- What changed since the last committee?
- What rate would make us third with €50,000?
- How did spreads move over six months?
Campaigns, bonuses and promotions
What they give away, what they require for the bonus rate and which promotions expire, so you launch yours at the right moment.
- Which payroll promotions are live?
- Which banks give a gift for opening an account?
- Which promotions expire this quarter?
Your terms against the market, with evidence
Fees, requirements and documentation compared with the market, every figure with its official document and date.
- What maintenance fee does the market charge?
- Who publishes an up-to-date pre-contractual sheet?
- Show me the document behind that fee
What you will use
- Saved views
Views that replace the sheet
Every committee benchmark, saved as a view that recalculates itself.
→ - Changes and monitors
Alerts relative to your bank
"Someone overtakes us", "we lose third place".
→ - Evidence
Evidence you can defend
Every exported cell carries document, quote and date.
→ - Research
Answers for the committee
Your position and the distance to the leader in every table, ready for the meeting.
→
Questions people ask
- Where do we stand on 12-month deposits?
- What changed since the last committee?
- Alert me if anyone beats our fixed mortgage
Frequently asked questions
Which banks does Baremo cover?
51 brands in the Spanish retail market, from the large banks to rural savings banks and challengers, with more than a thousand products on sale tracked daily.
Where does the data come from?
Only public sources: pre-contractual sheets, fee books, key information documents and product pages. Every figure keeps its capture and its quote.
Can I see my bank against my competitor set?
Yes. You define your bank and competitors in the workspace and every table, view and alert is computed against that set.
See your market under the same yardstick.
A demo takes thirty minutes with your competitor set. We come with the questions your committee asked last week.