Spain
Articles tagged Spain — Banco de España, CNMV, SEPBLAC, AEAT and the practical reporting cycle for fintechs licensed or passporting into Spain.
FINREP for Spanish PIs and EMIs — the reduced taxonomy
How non-bank PSPs file the reduced FINREP set at Banco de España: which tables, the XBRL discipline, where the mapping work concentrates…
Payment Institution licence in Spain — the BdE application file
Payment institution licence in Spain: the PSD2 authorisation at Banco de España — the eight services the BdE can license, the capital…
EMI licence in Spain — the Banco de España application file
EMI licence in Spain: the Article 11 EMD2 application file at Banco de España — programme of operations, governance map, safeguarding model,…
How to issue Spanish IBANs
Companion to the Dutch IBANs walkthrough. The Spanish IBAN format, the entity-code allocation by Banco de España, the BIC application, SEPA scheme…
CIRBE: what it is and how it works (Banco de España credit register)
CIRBE, Banco de Espana's central credit register, explained in depth: who reports under Circular 1/2013, the EUR 1,000 rule, what lenders actually…
How to file a SAR in Spain
How to file a SAR in Spain: Ley 10/2010 legal basis, the SEPBLAC F19 channel for EMIs and PIs, worked examples, deadlines…
What is EDITRAN?
EDITRAN explained: the secure file-transfer rail used by BdE and SEPBLAC for high-volume reporting (DMO, FTF, CIRBE, DTE). Onboarding, hosted broker vs…
How to register your SEPBLAC representative
How to register your SEPBLAC representative under Article 26 ter of Ley 10/2010: who is eligible, the three different answers for branches,…
What is the DTE? Spain’s BdE Circular 1/2012
The DTE explained: Banco de España's balance-of-payments return under Circular 1/2012. Who files, what data is captured per cross-border operation, how it…
SEPBLAC explained — Spain’s FIU and AML supervisor, and everything you have to report to it
SEPBLAC is Spain's financial intelligence unit and AML supervisor in one body. What it does under Ley 10/2010, the four things you…