The Official Credit Institute (Spanish: Instituto de Crédito Oficial; ICO) is a Spanish lending institution.

Its functions include funding investment projects and the assistance for the liquidity needs of Spanish companies.

[1] A successor to the Instituto de Crédito a Medio y Largo Plazo,[2] the ICO was created in 1971 following the Matesa Scandal [es] as public law entity (entidad de derecho público).

[3] Previously under the jurisdiction of the Ministry of Economy and Finance, it became a State company in 1989.

[4] The bank is currently attached to the Ministry of Economic Affairs and Digital Transformation through the State Secretariat for the Economy and Business Support [es].