Banco de España
Articles tagged Banco de España — supervisory expectations, FINREP/COREP, CIRBE, DTE and the Spanish reporting cycle for fintechs and regulated firms.
Payment institution licence in Spain (BdE)
Payment institution licence in Spain: the eight services the Banco de España can license, the capital floors, AIS registration and the file…
EMI licence in Spain — the Banco de España application file
EMI licence in Spain: the RD 778/2012 application file letter by letter, the three-month clock and negative silence, and the SEPBLAC report.
How to issue Spanish IBANs
How to issue Spanish IBANs: the format, entity-code allocation by the Banco de España, the BIC application, SEPA adherence and the reporting…
CIRBE explained — Banco de España’s credit register
CIRBE explained: Banco de España's credit register — who reports under Circular 1/2013, the €1,000 rule, what lenders see, and how to…
What is EDITRAN? The BdE and SEPBLAC file channel
EDITRAN, the file-transfer channel for filing with SEPBLAC and the Banco de España: registration, the daily window and the acknowledgement chain.
What is the DTE? Spain’s BdE Circular 1/2012
The DTE explained: the Banco de España balance-of-payments return under Circular 1/2012 — who files, what is captured, and how it differs…
What is the FTF? Spain’s Fichero de Titularidades
Fichero de Titularidades Financieras: payment and e-money institutions declare too, safeguarding sub-accounts included — monthly over EDITRAN in seven days.