New rules force banks and fintech to report monthly to the Treasury on accounts, loans and payments. Discover how it affects you.
In the past few months has approved a legislation that completely changes the relationship between banks, fintech, and Finance. From 2026, the financial institutions will no longer report only once a year, but that should do it each month and with much more detail.
This applies both to traditional banks as apps payment, issuers of prepaid cards and fintech. What does this mean in practice? That the Treasury will receive information much more precise about:
- Bank accounts and electronic: now they must also inform the banks and digital apps of electronic money. This will include further personal data as the country of residence or identity documents for foreign.
- Loans and movements of cash: extending the control to more entities. Finance will know before who asks for a loan or make a great income in cash.
- Card payments and mobile: before only were reported charges in excess of € 3,000 per year. Now you control all paymentseven small, and on a monthly basis.
- Prepaid cards and virtual: The treasury can keep track of the movements in this type of cards, until now less controlled.
In our experience, this measure is more transparency and more control to the Treasury, but also more red tape for businesses and self-employed. Many smes and online businesses will have to update their programs, billing and fee collection systems in order not to commit errors that may lead to penalties
It is a further step in the trend towards a taxation digitized and real-time data, reducing the underground economy, but it increases the administrative burden.
Don't know if this legislation will affect your business or your income online?
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