Business accounts
Everything about business accounts: features, benefits and how to open the right one for your company.
Can a bank transfer be cancelled? Deadlines and options
A transfer already received by your institution is irrevocable, but there are exceptions: scheduled transfers, those not yet processed and agreements with the institution. What Spanish law says and what to do if the money reached another account.
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Is the IBAN the account number? Differences and where to find it
Yes: since 2014, the number of an account in Spain has been called the IBAN. What changed from the old CCC, how it differs from the SWIFT code, which number to give clients and suppliers and how to find yours.
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SEPA mandate: what the "documento SEPA" is and how to fill it in
The "documento SEPA" is the order with which you authorise a company to collect from you by direct debit. What data it carries, how it is filled in, how CORE and B2B differ and how long you have to get a payment refunded.
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ES76: which bank is it? How to find the bank from an IBAN
ES76 does not identify any bank: it is the country code plus two check digits. The bank sits in the next four digits, and here is how to read them, with the codes of the main Spanish institutions.
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Instant transfer limits for businesses in Spain
Who sets the limit of an instant transfer, how long it takes to arrive, how much it can cost and what protection payee verification gives, according to the SEPA Regulation and the Banco de España.
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Neobanks with a Spanish IBAN for companies and freelancers
Which online providers give companies and freelancers a Spanish IBAN, what changes with a foreign IBAN under the SEPA rules, and how to check the country of your IBAN before you open the account.
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What is a business account: features and benefits
Find out what a business account is, its main features and benefits, and how to open one in Spain. A clear guide to managing your business finances.
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