Wealth management & international fideicomiso

What you build
deserves to be sealed.

Fideicomiso.eu advises discerning families and entrepreneurs on structuring, protecting and passing on their wealth — in Europe and Latin America, through fideicomiso, managed portfolios and online private banking.

Create my account Understand the fideicomiso
€2.4bn
Assets advised
17
Jurisdictions covered
1998
Year founded
24-48h
File review
Admission pathFrom request to approved access
1
Account creationIdentity, address, password
2
Email confirmationA link received by email
3
Your requestContribute assets to the Fund, or receive a trust grant
4
Admissions committeeClient area & private bank activated
Enhanced KYC/AML compliance Structures in Mexico · Panama · Luxembourg · Switzerland Segregated accounts A dedicated private banker
About us

“We don’t manage accounts. We keep commitments made between generations.”

Founded in 1998, Fideicomiso.eu supports families, entrepreneurs and institutions in structuring their wealth for the long term. Our team brings together lawyers, trustees and portfolio managers around one simple conviction: performance is only worth something if it can be passed on.

We operate from our offices in Paris, Geneva, Panama and Mexico City, with particular expertise in the fideicomiso — the civil-law trust mechanism used in Latin America — which we combine with online private banking for day-to-day oversight of the entrusted assets.

CE
Camille EstévezChief Executive Officer, Fideicomiso.eu
What we do

A complete offer, built to last

From legal structuring to day-to-day management, every expertise serves one goal: protecting what matters and passing it on in good conditions.

Wealth management

Advisory, managed portfolios or assisted trading — a tailored allocation based on your risk profile and goals.

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Fideicomiso & structuring

Setting up and administering succession, real-estate or asset-protection fideicomisos under Latin American civil law.

Discover

Online private banking

Accounts, cards and international transfers managed from a dedicated space — FIDEIBANK, reserved for approved clients.

Discover

Trust funding

Endowments and zero-interest trust grants from the Fund’s assets to companies and project holders — interest-free, and reinvested to fund the next ones.

Discover the programme

Estate planning

Planning successions, family governance and aligning your existing legal structures.

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Philanthropy

Structuring foundations and philanthropic fideicomisos to give your commitment a lasting path.

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Our signature expertise

The fideicomiso: pass on without ever losing control

Widely used in Mexico, Panama, Colombia and Argentina, the fideicomiso is the civil-law equivalent of the common-law trust. You hand over property, funds or rights to a trustee, who manages them according to your instructions, for the benefit of one or more people you name.

At Fideicomiso.eu, our trust subsidiary acts as a regulated fiduciario: we administer each fideicomiso with the rigour of a banking institution and the bespoke care of a family office.

The three parties to the fideicomiso
1

Fideicomitente

The settlor

You contribute the property, funds or rights and set the management instructions.

2

Fiduciario

The trustee

Our regulated trust institution carries out your instructions and reports on its management.

3

Fideicomisario

The beneficiary

The person or people you name receive the final benefit: income, property or distributions.

Succession fideicomisoArrange the transfer to your heirs outside the standard probate procedure.
Real-estate fideicomisoSecure the holding and development of real-estate assets.
Asset protectionShield certain assets from personal or professional risks.
Philanthropic fideicomisoGive your charitable commitments a lasting framework.

Entrust assets

You hold cash, securities or property and are looking for a safe commitment rather than a market investment. Your contribution joins the Fund’s assets, helps finance projects, and is returned to you at the term you chose.

Reviewed within 24 to 48 working hours

Receive a trust grant

You have a business project. Up to €500,000, the grant is an endowment and is not repaid. Above that, it is repaid on an agreed schedule, without a cent of interest — and that repayment will fund the next project.

Reviewed within 5 to 10 working days

Get started

First create your account. You’ll then choose which side of the Fund you’re on — and you can change your mind until anything is submitted.

Create my account
Trust grant programme

Capital dedicated to funding future generations

The Trust Fund was set up to preserve financial assets and allow their lasting use for the benefit of entrepreneurs, individuals carrying on a business activity and companies meeting the programme’s criteria.

Contribution A contributor entrusts assets to the trustee.
Commitment The assets join the Fund and belong to nothing but their commitment.
Grant The Fund finances a project — as an endowment, or as a zero-interest trust.
Repayment The beneficiary repays the capital according to the agreed schedule.
Reinvestment The capital returns to the Fund and goes out again. It is never consumed.

Capital isn’t consumed — it circulates.

The contributor

Entrust assets

You hand cash, securities or property to our trust institution. They join the Fund’s dedicated assets: they don’t belong to us, they are committed. One part funds grants to project holders; another is invested with banks and investment funds — and that part, and that part alone, pays your return.

  • A return paid by the Fund’s investments, never taken from beneficiaries.
  • A commitment horizon you choose, from three years to perpetuity.
  • A devolution you set: back to you at term, or to the beneficiaries you name.
  • You are told how the funds are used: the Fund only finances identified grants.
Commitment horizonReturn paid
3 years 0.50%
5 years 0.75%
8 years 1.00%
10 years and more 1.25%
Perpetuity 1.25%

Where does this return come from? It comes from the Fund’s investments with banks and investment funds — never from grants, which are interest-free. It is not guaranteed: an investment, even an institutional one, remains an investment.

The deferred gift agreement

A settlor with no named heir can sign a deferred gift agreement. For 50 years, their assets remain fully available to any rightful claimant whose descent is genetically established. After that, if no one has come forward, they are permanently committed to the Fund and finance the endowments granted to project holders.

That capital, and that capital alone, is what makes giving possible: having no rightful owner any more, it doesn’t need to come back. The endowment is therefore not the house’s generosity — it has a source, it is finite, and that is what makes it sustainable.

The beneficiary

Receive a trust grant

Eligible beneficiaries access a low-cost trust grant, subject to their request being reviewed and accepted. The amount decides the regime — and the two regimes don’t draw on the same capital.

up to €500,000.00 Endowment Non-repayable Up to €500,000, the grant is an endowment: it is not repaid. It is funded by dormant estates that no longer belong to anyone.
above €500,000.00 Zero-interest trust Capital repaid in full, interest-free Above €500,000, the grant is funded by the Fund’s living contributions. The capital is repaid on an agreed schedule — in full, and nothing more: no interest, no carrying fee, no commission.
  • Below the threshold, nothing is repaid: it is a gift, funded by dormant estates.
  • Above it, the capital is repaid — but at zero interest: the total repaid is exactly the amount received.
  • A term of twelve months to ten years, and a schedule shown before anything is signed.
  • Having no guarantee is not a refusal: the Fund also funds what a bank turns down.
Who can apply
Company Entrepreneur or self-employed Individual with a project
Which projects are eligible
Agriculture and agri-business Building and construction Retail and distribution Energy Real estate Industry and manufacturing Business services Technology and digital Tourism and hospitality Transport and logistics Health and social care

Each project is reviewed against the eligibility criteria, its nature, the intended use of funds and repayment capacity.

How to submit a request

Five steps, on both sides of the Fund

Account first, request second. You pick your side, and can change until anything is submitted.

Entrust assets 24 to 48 working hours · reviewed by the trust committee
  1. 1 Origin
  2. 2 Commitment
  3. 3 Horizon
  4. 4 Devolution
  5. 5 Commitment
Receive a trust grant 5 to 10 working days · reviewed by the grants committee
  1. 1 Status
  2. 2 Project
  3. 3 Capacity
  4. 4 Guarantees
  5. 5 Commitment
Initial assessmentYour profile and request are assessed against the programme’s criteria.
File reviewThe information and documents needed for the analysis are checked, identity included.
DecisionIf the conditions are met, you receive a proposal — funding or commitment.
Set-upOnce the contractual documents are signed, the funds are released or the commitment is opened.
Our vision

Preserve capital. Fund projects. Build for the long term.

The Trust Fund rests on a sustainable view of financing: the capital is meant to stay at the programme’s service rather than be consumed by a single beneficiary. Each repayment helps, in line with fideicomiso rules, to keep the Fund able to support new entrepreneurs and companies over time.

Check my eligibility Entrust assets
FIDEIBANK

Your wealth, managed day to day

Once your profile is approved, FIDEIBANK gives you a complete private banking space: accounts, cards, international transfers and oversight of your trust structures, in a single dashboard.

Physical & virtual cardsInstant issuance, adjustable limits, freeze in one tap
International transfersSEPA, instant transfers and multi-currency payments
Bank details & documentsDedicated IBAN and statements available at any time
Access subject to KYCOpening reserved for profiles verified and approved by the committee
Available balance
€1,284,950.00
Transfer — Estévez & Associates, Notaries− €42,000.00
Top-up from fideicomiso #A-2291+ €120,000.00
Fideicomiso Infinite card — Geneva− €1,240.00
Create my account
The team

Experts dedicated to your file

Each client has a single point of contact, backed by our legal, trust and financial specialists.

CE

Camille Estévez

Chief Executive Officer
RM

Rodrigo Mendieta

Head of Fideicomiso & Structuring
LB

Léa Bertrand

Head of Investments
ST

Samuel Torres

Head of FIDEIBANK
Frequently asked questions

Before creating your account

What is a fideicomiso in practice?

It is a civil-law trust mechanism widely used in Latin America: you transfer property to a regulated trustee who manages it for the benefit of people you name, according to your instructions.

Why do I need to sign up first?

Our activities are subject to strict identity-verification and anti-money-laundering obligations (KYC/AML). Your file must be approved by our committee before a client area or a fideicomiso is opened.

How long does file approval take?

Generally allow 24 to 48 working hours after all supporting documents are received, before a dedicated private banker is assigned.

What is the minimum amount to set up a fideicomiso?

The threshold depends on the jurisdiction and the type of structure. It is assessed case by case when your file is reviewed with your private banker.

Can I name several beneficiaries (fideicomisarios)?

Yes. A fideicomiso can provide for several beneficiaries, with different allocation rules and dates according to your instructions.

Is access to FIDEIBANK automatic once I sign up?

No. The private banking space is only activated after full KYC approval. In your client area, the “Private bank” section only opens once your profile is certified.

Meet us

Let’s talk about your situation

A question before creating your account? Our team replies within 24 working hours.

Head office — Paris18 avenue Montaigne, 75008 Paris
Trust office — Mexico CityPaseo de la Reforma 350, CDMX
Emailcontact@fideicomiso.eu
Phone+33 1 84 60 12 30