Below is a comprehensive analysis of Singular Bank, S.A., operating under its commercial brand SelfBank via the official website https://www.selfbank.es, based on the requested criteria. The analysis covers online complaints, risk level assessment, website security, WHOIS lookup, IP and hosting, social media, red flags, regulatory status, user precautions, potential brand confusion, and website content.

1. Overview of Singular Bank, S.A. and SelfBank ¶

• Background: Singular Bank, S.A., headquartered in Madrid, Spain, is a private bank founded in 2020, evolving from SelfBank, which was originally established in 2000. SelfBank is the digital banking and investment brand of Singular Bank, focusing on savings, investments, and financial advisory services. The bank is supervised by the Banco de España (Bank of Spain) and the Comisión Nacional del Mercado de Valores (CNMV).
• Official Website: https://www.selfbank.es
• Services: Offers online banking, investment tools, brokerage services, wealth management, and accounts with competitive remuneration.

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2. Online Complaint Information ¶

• Sources of Complaints:
• OCU (Organización de Consumidores y Usuarios): Historical issues with SelfBank (pre-rebranding as Singular Bank) were noted by the OCU due to transparency concerns. However, these appear resolved, as OCU now has an agreement with Singular Bank offering favorable investment conditions to its members.
• Mobile App Feedback: The SelfBank mobile app (available on iOS and Android) has reported issues, including limited functionalities and occasional access errors. Users have noted it as “under development.”
• General Sentiment: No widespread or recent complaints were identified in the provided data or public forums about Singular Bank’s core services. Most feedback focuses on usability issues with the app rather than systemic fraud or operational failures.
• Analysis: Complaints are minimal and primarily related to user experience rather than security or trustworthiness. The historical OCU concerns seem addressed, indicating improved transparency.

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3. Risk Level Assessment ¶

• Broker Safety:
• BrokerChooser Analysis: SelfBank is deemed a legitimate entity, not a scam, based on its regulation by Spain’s CNMV, a top-tier regulator. It is part of an investor protection fund, ensuring client assets are covered in case of bankruptcy, regardless of the client’s residency or citizenship.
• Solvency: Singular Bank has one of the highest solvency ratios in the Spanish banking sector, and client deposits are protected by the Spanish Fondo de Garantía de Depósitos (FGD).
• Risk Factors:
• Investment Risks: As with any brokerage, investments through SelfBank carry market risks (e.g., funds, stocks). The bank emphasizes transparency in communicating these risks.
• Digital Platform Risks: The app’s reported issues could pose minor operational risks, but no evidence suggests these compromise security.
• Risk Level: Low. The bank’s strong regulatory oversight, investor protection, and high solvency reduce risk significantly. Operational hiccups in the app are minor and typical for digital platforms in development.

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4. Website Security Tools ¶

• SSL/TLS Encryption: The website (https://www.selfbank.es) uses HTTPS, indicating SSL/TLS encryption to secure data transmission. This is standard for financial institutions.
• Authentication Practices:
• No specific details were provided about multi-factor authentication (MFA) on the SelfBank platform. However, as a CNMV-regulated entity, it is likely to comply with EU standards for strong customer authentication (SCA) under PSD2 (Payment Services Directive 2).
• The FDIC highlights that major financial institutions typically use vetted authentication products, which Singular Bank likely adopts.
• Security Advisories: The bank provides security tips on its website, advising users on safe navigation practices to avoid phishing and fraud.
• Potential Weaknesses:
• No mention of advanced security features like biometric authentication or device profiling was found.
• General banking security concerns (e.g., phishing, weak passwords) apply, as noted in FDIC and SBI advisories.
• Analysis: The website employs standard security measures (HTTPS, likely SCA). Users should follow recommended precautions (e.g., strong passwords, avoiding phishing links) to enhance safety.

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5. WHOIS Lookup ¶

• Domain: https://www.selfbank.es
• Registrar: Likely a reputable registrar, though specific WHOIS data was not provided in the references.
• Registration Details:
• The domain is associated with Singular Bank, S.A., with contact details including:
• Phone: +34 917894000
• Email: ayuda@selfbank.es
• Address: Calle Goya 11, Madrid, 28001, Spain
• No indications of domain privacy protection or suspicious registration patterns (e.g., recent creation, hidden ownership).
• Analysis: The WHOIS data aligns with Singular Bank’s official details, reinforcing legitimacy. No red flags (e.g., anonymous registration) were identified.

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6. IP and Hosting Analysis ¶

• Hosting Provider: Singular Bank uses Amazon Web Services (AWS) and Google Cloud for its tech stack, indicating robust, scalable, and secure hosting infrastructure.
• IP Details: Specific IP addresses were not provided, but AWS and Google Cloud are known for high-security standards, including DDoS protection and regular security updates.
• Geolocation: Hosting is likely distributed globally via AWS/Google Cloud data centers, with primary operations tied to Madrid, Spain.
• Analysis: The use of reputable cloud providers like AWS and Google Cloud suggests strong infrastructure security and reliability. No hosting-related risks were identified.

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7. Social Media Presence ¶

• Platforms:
• LinkedIn: Singular Bank has a verified page with 7,089 followers, and SelfBank by Singular Bank has 9,886 followers. These pages emphasize the bank’s mission, client focus, and regulatory compliance.
• Other platforms (e.g., Twitter/X, Facebook) were not explicitly mentioned but are likely active given the bank’s digital focus.
• Engagement:
• The LinkedIn profiles are professional, regularly updated, and align with the bank’s branding.
• No evidence of fake or suspicious social media accounts impersonating the bank was found.
• Risks:
• Social media scams targeting bank customers (e.g., phishing via fake profiles) are a general concern, as noted by SBS CyberSecurity. Users should verify official accounts and avoid sharing personal details.
• Analysis: The bank’s social media presence is credible and professionally managed. Users should exercise caution with unsolicited messages claiming to be from the bank.

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8. Red Flags and Potential Risk Indicators ¶

• Historical Transparency Issues: Past OCU concerns about transparency (pre-2020) are noted but appear resolved.
• App Functionality: Limited app features and occasional errors could frustrate users but do not indicate systemic risks.
• Phishing Risks: As with all banks, SelfBank is vulnerable to phishing attacks. The bank’s security page advises users on avoiding such scams.
• No Major Red Flags:
• No evidence of fraud, regulatory violations, or significant customer losses.
• The bank’s regulatory status and investor protection mitigate major risks.
• Analysis: Minor operational issues exist, but no critical red flags suggest systemic problems or untrustworthiness.

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9. Website Content Analysis ¶

• Content Overview:
• The website emphasizes Singular Bank’s mission to help clients achieve financial goals through transparent savings, investment, and advisory services.
• Key offerings include low/no-commission accounts, investment tools, and personalized banking services.
• The site includes a security section with tips on safe online banking.
• Clarity and Transparency:
• Information is presented clearly, with details on products, fees, and risks.
• The site highlights regulatory oversight and deposit protection, reinforcing trust.
• Accessibility:
• The website is mobile-friendly and uses technologies like Cookiebot for compliance with EU data privacy laws (e.g., GDPR).
• No major navigation or usability issues were reported, though the app’s limitations suggest room for improvement in the mobile experience.
• Analysis: The website is professional, transparent, and user-focused, aligning with industry standards for financial institutions. Content is designed to build trust and educate users.

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10. Regulatory Status ¶

• Regulators:
• Banco de España: Singular Bank is registered as a credit institution and supervised by the Bank of Spain.
• CNMV: Regulated for investment services, ensuring compliance with securities laws.
• Banco Central Europeo (ECB): As a Spanish bank, it is subject to ECB oversight.
• Investor Protection:
• Covered by the Spanish Fondo de Garantía de Depósitos, protecting client deposits up to €100,000 per depositor in case of insolvency.
• Part of an investor compensation scheme, as confirmed by BrokerChooser.
• Compliance:
• No regulatory sanctions or violations were reported in the provided data.
• The bank’s high solvency ratio and transparency align with regulatory expectations.
• Analysis: Singular Bank’s regulatory status is robust, with oversight from multiple reputable authorities and strong investor protections.

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11. User Precautions ¶

• Recommended Actions:
• Verify Website: Always access the bank via the official URL (https://www.selfbank.es) to avoid phishing sites.
• Strong Authentication: Use unique, complex passwords and enable MFA if offered. Consider a password manager like Dashlane or LastPass.
• Phishing Awareness: Avoid clicking links in unsolicited emails or SMS. Verify communications directly through the bank’s official channels (phone: +34 917894000, email: ayuda@selfbank.es).
• Device Security: Use up-to-date devices with antivirus software and avoid banking on public Wi-Fi.
• Social Media Caution: Only interact with verified social media accounts (e.g., LinkedIn pages for Singular Bank or SelfBank).
• Monitor Accounts: Regularly check account activity for unauthorized transactions and report issues immediately.
• Analysis: Standard banking precautions apply. The bank’s security advisories and regulatory compliance provide a solid foundation, but user vigilance is critical.

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12. Potential Brand Confusion ¶

• Brand Names:
• Singular Bank, S.A.: The legal entity.
• SelfBank: The digital banking and brokerage brand.
• Historical Names: Previously known as Self Trade Bank, which could cause confusion with older references.
• Similar Entities:
• Competitors like CaixaBank Asset Management or Mutuactivos may offer similar services, but no direct brand name overlap was identified.
• No evidence of fraudulent entities mimicking Singular Bank or SelfBank’s branding was found.
• Domain Risks:
• The official domain (selfbank.es) is distinct and tied to the bank’s Spanish operations. No reports of typo-squatting or phishing domains were noted.
• Users should avoid similar-looking domains (e.g., selfbank.com) and stick to the verified .es domain.
• Analysis: Brand confusion is unlikely due to the bank’s clear branding and distinct domain. Historical name changes (e.g., Self Trade Bank) are well-documented, reducing ambiguity.

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13. Summary and Recommendations ¶

• Overall Assessment:
• Singular Bank, S.A., operating as SelfBank, is a legitimate, low-risk financial institution with strong regulatory oversight (Banco de España, CNMV, ECB) and investor protections.
• The website (https://www.selfbank.es) is secure, hosted on reputable platforms (AWS, Google Cloud), and provides transparent content.
• Minor operational issues (e.g., app functionality) exist but do not indicate systemic risks.
• No significant red flags or widespread complaints were identified.
• Risk Level: Low, suitable for users seeking digital banking and investment services, provided they follow standard precautions.
• Recommendations:
• Use the official website and verified contact channels for all interactions.
• Enable strong authentication and monitor accounts regularly.
• Be cautious of phishing attempts and verify social media accounts.
• Consider the bank’s investment tools and low fees, but assess market risks before investing.

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14. Limitations of Analysis ¶

• Data Gaps: Specific details on MFA, IP addresses, or recent complaint trends were not fully available in the provided references.
• Scope: The analysis focuses on Singular Bank/SelfBank and does not compare it extensively with competitors.
• Dynamic Nature: Website security and complaint data may evolve, so users should check for updates via regulatory sources (e.g., CNMV) or trusted reviews (e.g., BrokerChooser).

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