Financia Europa account: up to €10,000 of tax-free gains (with conditions)
Ever since it appeared in the Official State Gazette (BOE), our office has been fielding the same question: "What is this European account, and is it right for me?" That's no surprise. It has been years since Spain approved a tax incentive designed for small investors, and this one has arrived with plenty of noise. Here is how we are explaining it to our clients. What exactly is the Financia Europa account? Its official name is the Cuenta de Ahorro e Inversión Financia Europa (Financia Europa Savings and Investment Account), and it is regulated by Royal Decree-law 29/2026 of 6 October. Yes, the housing decree: the Government used that law to bring in this product as well, even though it has nothing to do with property. The idea is simple. You open the account with your bank or [...]
2026 Income Simulation: find out today what you will pay and act before December 31
We calculate with your data what you'll pay in the 2026 Income Tax and suggest what to do before December 31 to pay less, even if you invest in crypto, ETFs, or options.
Deduction for renting your main home: 10% comes back on your income tax
The deduction for renting your main home is back on personal income tax: 10% of what you paid, up to €1,163 a year, for taxable incomes below €33,007.20.
ETF or investment fund: which is more advantageous from a tax perspective in Spain?
ETF or mutual fund? This is one of the most common questions when starting to invest. ETFs and traditional mutual funds are very similar. Both are collective investment vehicles, allow you to diversify with a small amount of money, and many track the same index. However, the tax authorities don't treat them the same. This tax difference can cost investors a lot of money in the long run. The big difference: the transfer of investment funds The main advantage of traditional funds is the tax deferral regime for transfers under Article 94 of the Personal Income Tax Law. Investors can move their money from one fund to another without paying tax on the accumulated gain. They only pay tax when they make a final withdrawal. Thus, for decades, the surplus value continues to work in full instead of [...]
Information in the employment contract 2026: what the new Royal Decree requires
Employment contract information will change significantly in 2026 for all companies that hire staff.
New Instant Transfer Regulation
In compliance with the new European regulation on instant payments (EU Reg. 2024/886), significant improvements to the SEPA transfer service will be implemented from October 2025, for both standard and instant transfers.
