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Finance

Banco Or Caja - What Is The Difference?

In short, Cajas or savings banks are non-profit entities, Cajas Rurales or rural savings banks should have their main objective in the provision of financial services in rural areas and Bancos or banks are for-profit entities that share their pr

How Is The Ibi Calculated?

The town hall of each municipality sets how much real estate tax (IBI) is to be paid for the properties that are located in its territory. The tax is calculated over the catastral value of a property. From the Catastro website: What is the ratea

Commissions For Mortgage Bank Account Abusive?

If your mortgage lender has obliged you to open a bank account with them, for the sole purpose of the mortgage payments, and is also charging the account with commissions for maintenance, then this recent ruling from the Audiencia Provincial cou

Basic Bank Account Commission Capped At 3 Euros/month

Further to our FAQs from December 2017, the Spanish Government has finally followed up on the Royal Decree from November 2017, and a European Directive from 2014 with regards to the obligation for bank to offer Basic Bank Accounts, and has appro

Cross Border Debt Recovery?

MUTUAL ASSISTANCE FOR RECOVERY OF DEBT EU Commission Regulation 1189/2011 of 19 November 2011. This note only cover EU Member States. There is however scope for use outside of the EU Debts covered All taxes and duties collected by the competent

Are There Limits When Travelling With Cash?

Information from the EU Commision

Iprem And Smi Index

index used by government when applying for benefits or services IPREM & SMI INDEX UPDATE For January 2019 SMI Increase

Single Euro Payment Area

SEPA was introduced to make transfers in Euros easier for individuals to make cross border payments. This Link about SEPA This Link SEPA Countries and Bank Identifiers This Link for FAQ’s This is the position at the present time

Calculate Amount From Salary Pension That Can Be Embargoed?

Use the tax agency calculator below.  Add the amount of the embargo and then the monthly salary pension or income. If the amount earned or pension is below the SMI (735.9) your account cannot be embargoed. This can still occur so you must go to

Obtain Information About Sl Company

Information about statutes of the company, turnover, board of management, shareholders, whether the company is still active or not, available through various online companies, but practically all will ask for a fee and you need to register to ma

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