In Cordoba, financial entity users obtained the refund of €78,198 in 2025 after filing complaints with the Bank of Spain. This figure represents an average of €575 per claim and accounted for 1.2% of the total recovered nationwide. According to the 2025 Claims Report, the average amount received by Cordoba residents was slightly lower than the Spanish average (€624.9), but significantly exceeded the Andalusian average (€302.4).
The province registered a total of 402 claims in 2025, a 34.2% decrease compared to the previous year. Cordoba ranked 20th nationally in terms of the number of complaints, accounting for 1.3% of the total claims received by the Bank of Spain. This figure is considerably lower than in provinces such as Madrid (6,972), Barcelona (3,891), Valencia (1,745), Seville (1,410), Alicante (1,208), and Malaga (1,101), which collectively represent over half of the national total of 30,970 complaints, a 44.8% decrease from the prior year.
Out of the more than 400 complaints filed in Cordoba, only one-third, 136, were admitted for processing. The remaining 266, for the most part, did not follow the regulatory channels, which require first contacting the customer service department or the customer ombudsman of the entity. Of the cases studied by the Bank of Spain, 22.8% were resolved in favor of the customer, while 37.5% were ruled in favor of the financial institution. In 34.6% of conflicts, entities rectified their position before issuing a report, reaching an agreement with the client, and 5.1% did not receive a ruling.
Fraud constituted the main cause of claims in Cordoba, representing 27.9% of the total. This was followed by formalization costs (11.4%), issues related to information and documentation (10%), and commissions and fees (8.7%). It is noteworthy that while fraud complaints increased by 57.7% and documentation-related issues by 73.9%, formalization costs plummeted by 86.4% and commission complaints fell by 25.5%.
The products that prompted claims included accounts, transfers, and debits (33.8%), cards (26.4%), and mortgage loans (23.6%). Personal loans accounted for 8.5% and inheritances for 2.7%. The claim ratio in Cordoba was five per 10,000 inhabitants, lower than the Andalusian and national averages.
The regulator's report indicates that the total amount refunded in Spain in 2025, thanks to its intermediation, reached a record of nearly €6.8 million. In 2024, the amount refunded in Cordoba was €15,010, with an average of €127.2 per claim, figures significantly lower than the latest balance. That year, complaints totaled 611, with only 118 admitted.
Two years ago, mortgage loans represented two-thirds of complaints, followed by cards and accounts. This situation changed, driven by rulings from the Court of Justice of the European Union and the Supreme Court regarding notary, agency, and registry formalization costs, which protected consumers against abusive clauses applied by financial institutions. This led to a nationwide annual drop of nearly 45% in claims. However, the start of 2026 has seen a 50% increase, projecting around 40,000 annual cases, attributed to a rise in scams, particularly concerning revolving credit cards and fraudulent bank transfers.
