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All our content in one place, sorted by publication date. Articles are currently available in Spanish.
Spain's Deposit Guarantee Scheme: what the 100,000 euro limit protects
How Spain's Deposit Guarantee Fund works, the general 100,000 euro limit per depositor and bank, joint accounts and products outside the scheme.
Financial scams and clone brokers: how to check a firm with Spain's CNMV
Learn how to check whether a broker, investment platform or adviser is authorised in Spain and how to spot common clone-firm warning signs.
Spain's NEAE 2026-2027 grant: the 400 euro support and 10 September deadline
A practical guide to Spain's 400 euro NEAE educational-support grant for 2026-2027: deadline, compatibility and application steps.
Spain CPI and Euribor in September 2026: what to check if you have a mortgage, rent or savings
Spain's August 2026 flash CPI is 4.3% and Euribor is close to 3%. Learn what to review in your variable mortgage, rent, savings and household budget.
Spain fuel aid from 1 September 2026: 20 cents for diesel and 5 for petrol
From 1 September 2026, Spain applies stronger fuel tax relief to diesel than petrol. Learn the 20-cent diesel relief, the 5-cent petrol relief and professional diesel rules.
Iran war aid in Spain: current measures, deadlines and who is affected
A practical guide to Spain's Iran war and Middle East crisis measures: fuel tax relief, professional diesel aid, farming, transport, social shield and 2026 deadlines.
Missed your Spain tax return: what happens and how to reduce the damage
If you missed the Spain Renta deadline, acting quickly can reduce surcharges and penalties. Learn what to do if your return is to pay, refund or nil.
Model 210 for rental income in Spain as a non-resident: how it works
Own a rented property in Spain but live and work abroad? This guide explains when non-residents use Spain's Model 210, deadlines, deductible expenses and IRNR rates.
Self-employed Social Security quota in Spain 2026: brackets, payments and examples
A practical guide to Spain's self-employed Social Security quota in 2026: net-income brackets, contribution bases, examples and common mistakes.
Young home buyer aid in Spain 2026: ICO guarantee requirements and limits
A practical guide to Spain's ICO first-home mortgage guarantee in 2026: who can apply, income limits, property caps, coverage, documents and deadline.
Spain young rent bonus 2026: requirements, amount and how to apply
A practical guide to Spain's 2026 young rent bonus: who can apply, how much it can pay, rent limits, duration, incompatibilities and regional application rules.
Split Spanish tax return payment 60/40: how the Renta instalment option works
If your 2025 Spanish Renta is to pay, you may split payment into 60% when filing and 40% in November. Learn deadlines, direct debit options, Modelo 102 and common mistakes.
Bizum and the 2026 Spain tax return: when to declare payments
Receiving money through Bizum does not automatically make it taxable. Learn when Bizum payments may affect your Spanish tax return and what to review before filing.
Remunerated account or time deposit in Spain: where to keep your savings
Compare remunerated accounts and time deposits in Spain: liquidity, returns, penalties, deposit protection and how to choose based on your savings goal.
Euribor May 2026: how the 2.804% rate may affect your variable mortgage
The May 2026 Euribor rate reached 2.804%, up from 2.081% in May 2025. Estimate how the latest figure may affect your next variable mortgage review in Spain.
Emergency fund in Spain: how much money to keep and where to hold it
Learn how to calculate an emergency fund in Spain based on your expenses, income stability, and risk profile, and where to keep it safely.
Spain tax return deadline 2026: June dates and what happens if you file late
Spain's 2025 Renta campaign ends on 30 June 2026, but direct debit closes earlier. Learn the key dates, last checks and late filing consequences.
What to prepare before Hacienda calls you to file your tax return by phone
If you booked Le Llamamos, prepare your Cl@ve phone or reference number, DNI, IBAN, and property references before the call to avoid delays.
Pay your Renta with Bizum or card in 2026: who can use it and when it makes sense
AEAT allows electronic payment for tax returns to be paid using Bizum or card in 2026. Learn when it applies, how it compares with direct debit, and what to check before paying.
Le Llamamos appointment 2026: when to book and how Spain's tax phone service works
Spain's tax agency opens Le Llamamos appointments from 29 April to 29 June 2026, with calls starting on 6 May. Learn how to book and whether this phone support service is right for you.
Spain rental extension 2026: what happened and what it means for tenants
Spain's emergency rental extension decree was struck down by Congress in April 2026. We explain what it included, how the repeal affects tenants, and what may come next.
Should you pay off your mortgage early when Euribor rises?
Paying off your mortgage early can save money on interest, but it is not always the best decision. Find out when it makes sense, whether to cut your payment or term, and what to check first.
What is Euribor and why does it go up or down
A simple explanation of what Euribor is, how it relates to ECB rates, and how it affects variable-rate mortgages in Spain.
Foreign Income in Spain's 2025 Tax Return: What Expats Should Check Before Filing
Living in Spain and earning income from abroad? Here is what expats and tax residents should check before filing the 2025 Spanish tax return.
Euribor in April 2026: what the latest official figure means for your variable mortgage
Even in April, the latest official mortgage Euribor published by the Bank of Spain is March 2026: 2.565%. See what it means for your next variable-rate mortgage review.
Spain tax scams 2026: how to identify fake Hacienda SMS and emails
Tax season also brings fraud attempts. Learn how to spot fake Hacienda messages and avoid sharing data on suspicious links or pages.
Regional tax deductions in Spain's Renta 2025: what to check before confirming your draft
Many taxpayers file without reviewing regional deductions. Here is what to verify before confirming your draft and missing potential tax savings.
Spain tax return 2026 preventive alerts: what to review before you file
Spain's tax agency expanded preventive messages in the 2026 campaign. Learn what they mean and what to check for crypto, rentals, online sales, and foreign income.
How to pay less in Renta 2025? State and regional tax deductions in Spain
Discover all the state and regional tax deductions available in Spain's Renta 2025 to reduce your income tax bill. We analyse each one — housing, family, energy efficiency and more — and explain how to apply them.
Renta refund in Spain: how to track an IRPF refund after filing
Your Spanish tax return shows a refund: understand the result, check the AEAT case file, the legal period, late interest and bank details.
Renta to pay in Spain: what it means and how to choose payment
If your Spanish Renta return shows tax to pay, review the result and distinguish direct debit, electronic payment, 60/40 and an AEAT deferral request.
Spain tax return draft: how to access it online
Learn how to access your Spanish tax return draft online through Renta WEB, including Cl@ve Mobile, reference number and key tips for expats in Spain.
Positive or negative Renta result: what each Spanish tax return sign means
Understand the result of a Spanish IRPF return: the difference between tax to pay and a requested refund, and what to check before filing.
Complete guide to mortgages in Spain (2026): how they work and how to choose
Everything about mortgages in Spain: what they are, types (fixed, variable, mixed), costs, how much you can borrow and how to choose the best option in 2026.
Spanish Renta concepts explained simply: base imponible, base liquidable, rendimiento íntegro, rendimiento neto and more
A clear guide to the key concepts of IRPF (Spanish personal income tax): rendimiento íntegro, rendimiento neto, rendimiento neto reducido, base imponible, base liquidable, base liquidable sujeta a gravamen, cuota íntegra, cuota líquida, cuota diferencial and more. Everything explained in plain language.
What is the Declaración de la Renta and who has to file it
Complete explanation of the Declaración de la Renta in Spain: what it is, what it's for, who is required to file, when to file, and what you need to do it.
How taxation works in Spain: a complete guide to taxes
A complete guide to taxation in Spain: what taxes exist, how the Spanish tax system works, what IRPF is, and how it affects citizens.
How to invest money in Spain step by step
A clear guide to getting started with investing in Spain. Learn how index funds, ETFs and pension plans work.
Personal Savings Guide for Spain (Step by Step)
A complete guide to building stable savings in Spain: budgeting, emergency fund, goals, automation, and a 90-day action plan.