Recent discussions in the Netherlands about changes to the taxation of private investments have raised concerns among long-term savers. While no final legislation has yet been enacted, the direction of the proposed reform is clear enough to merit attention. One country that often enters that conversation is Spain, not merely for lifestyle reasons, but for … Read more
Introduction As part of Spain’s ongoing pension reform, the government introduced in 2023 additional Social Security contributions aimed at reinforcing the long-term sustainability of the public pension system. Two key instruments in this strategy are the Intergenerational Equity Mechanism (MEI) and the Solidarity Contribution, both of which have a direct impact on payroll costs and … Read more
Starting in 2026, the Spanish Tax Office will enforce updated financial reporting obligations. These changes affect all self-employed individuals and businesses and will also impact banks and payment entities. The objective of the reform (Order HAC/747/2025 and Royal Decree 253/2025) is to provide more timely and detailed financial information, improving transparency, monitoring, and the ability … Read more
If you rent out a property by days, weeks, or months for holiday purposes, you probably think you have everything under control: license, Unique Registration Number (URN), platform, tax returns… But be careful, you may be breaking a key obligation without knowing it. And the worst thing is not the penalty. The worst thing is … Read more
When there is an economic disequilibrium between the spouses after a divorce, it is common to set a compensatory pension. But what few people know is that the tax treatment can make a big difference. How is it actually taxed? Provided that the pension is ordered or ratified by a judge, the treatment in personal … Read more
Spain enters 2026 without any major structural tax reform, but with a series of practical adjustments affecting employees, freelancers, landlords and companies. While some measures have attracted headlines, others have gone largely unnoticed despite having real consequences. The main challenge for taxpayers is distinguishing between confirmed legal changes and political announcements that have not yet … Read more
Credit seizure orders are one of the most common and effective mechanisms used by the Spanish Tax Office (AEAT) to secure the collection of tax debts. Through this procedure, the Administration orders a third party—usually a client of the debtor, but it could also be a tenant, a contracting company, or anyone who owes money … Read more
Renting out part of a property has become increasingly common in recent years. Many homeowners choose to let individual rooms, or even their entire property divided into separate rooms, as a way to share housing costs or make better use of their assets. What is less widely known is that, under certain conditions, these arrangements … Read more
Spain has recorded a historic high in overall Social Security affiliation, with the number of contributors reaching new all‑time peaks in mid‑2025. In July 2025, total affiliation reached around 21.86 million contributors, the highest figure on record in the series available. These figures also reflect significant growth in the number of young workers under 30 … Read more
If you are planning a trip to Spain and will be staying with a friend or relative, there is an important requirement you should be aware of. You may need to obtain an invitation letter, known in Spain as a carta de invitación. This article explains what this document is, when it is required, who … Read more
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