What is Banco de Espana?

Banco de Espana is Spain's central bank, and it keeps the register of companies allowed to take deposits and lend in the country. Every entry carries a licence number, so a comparison site can match a lender against a single official list. The register covers Oney Prestamos ES as 8.814, bunq as W0086933I, Rastreator as D168 and Imagin Bank as 2100. Run the number yourself before signing: it costs nothing and tells you whether the firm answering your application is the one that holds the permission.