What has changed with the new regulation of the Treasury?
In 2025, the Treasury has updated its tax rules, establishing a obligation widespread: all taxpayers must declare any kind of economic transaction and present its statement of incomeregardless of the amount or the nature of the operation.
This change aims to increase the control over financial movements to combat fraud, improve financial transparency, and strengthen tax collection.
Who is affected by this new obligation?
The new rules affects all tax residents in Spain, including:
Employed and self-employed.
Retirees and pensioners.
People with investment income, criptomonedas, or rentals.
Taxpayers who previously did not exceed the minimum required to declare.
Even those who were not previously required to file the income, now must do this if you have completed any economic transactionno matter how small.
This will affect the period to 2025, which will be declared in the period from April to June 2026.
What types of transactions should be reported?
Hacienda required to be included in the declaration:
Labor income, pensions and benefits.
Bank transfersboth national and international.
Operations criptomonedas and other digital assets.
The sale of goods and servicesalthough occasional.
Movements between own accounts that exceed certain limits.
This measure does not distinguish between the traditional income and operations alternatives: all economic movement must be registered.
What risks are involved, not to declare all transactions?
Failure to comply may result in:
Fines economic considerable.
Surcharges by submitting extemporaneous.
Tax inspections more frequent.
Penalties are aggravated if you Finance it detects concealment intentional.
The automation of the intersection of financial data with banks, digital platforms and exchanges de criptomonedas will facilitate the detection of inconsistencies.
How to prepare to comply with the new regulations?
Some recommendations to adapt to this new obligation:
Record all your movements financial orderly.
Seek advice from professional tax if you have a diversified income.
Anticipate the obligations preparing your tax documents before the campaign of income.
Review your bank transactions and digital platforms to not omit any transaction.
CONCLUSION
Therefore, it is important to understand the tax treatment that you should do as a citizen and seek alternatives from taxation, either in Spain or abroad. It is important to know which are the deductible expenses, and that can be added to the declaration, as well as be careful with transfers or bizums that are sent to relatives, friends or acquaintances. Therefore, if you have the kind of investment that may be , it is important to have safeguards as well as the dates of investment and withdrawal dates.
Do you have doubts about how it will affect this new regulation to your fiscal situation?
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