{"id":3913,"date":"2025-10-20T07:00:28","date_gmt":"2025-10-20T05:00:28","guid":{"rendered":"https:\/\/iuritcorp.com\/?p=3913"},"modified":"2025-10-20T06:46:58","modified_gmt":"2025-10-20T04:46:58","slug":"hacienda-vigilara-mas-tus-bancos-y-apps-desde-2026","status":"publish","type":"post","link":"https:\/\/iuritcorp.com\/en\/hacienda-vigilara-mas-tus-bancos-y-apps-desde-2026\/","title":{"rendered":"Hacienda watch more of your banks and apps from 2026"},"content":{"rendered":"<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>New rules force banks and fintech to report monthly to the Treasury on accounts, loans and payments. Discover how it affects you.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2-1024x576.png\" alt=\"Hacienda Vigilara\u0301 Pagos APP Banco - IURIT - Asesor\u00eda Fiscal Online\" class=\"wp-image-3937\" srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-2.png 1366w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>In the past few months has approved a legislation that <strong>completely changes the relationship between banks, fintech, and Finance<\/strong>. From 2026, the financial institutions will no longer report only once a year, but that should do it <strong>each month<\/strong> and with much more detail.<\/p>\n\n\n\n<p>This applies both to traditional banks as <strong>apps payment, issuers of prepaid cards and fintech<\/strong>. What does this mean in practice? That the Treasury will receive information much more precise about:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Bank accounts and electronic:<\/strong> 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.<\/li>\n\n\n\n<li><strong>Loans and movements of cash:<\/strong> extending the control to more entities. Finance will know before who asks for a loan or make a great income in cash.<\/li>\n\n\n\n<li><strong>Card payments and mobile:<\/strong> before only were reported charges in excess of \u20ac 3,000 per year. Now you control <strong>all payments<\/strong>even small, and on a monthly basis.<\/li>\n\n\n\n<li><strong>Prepaid cards and virtual:<\/strong> The treasury can keep track of the movements in this type of cards, until now less controlled.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" data-src=\"http:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1-1024x576.png\" alt=\"Hacienda Vigilara\u0301 Pagos APP Banco - IURIT - Asesor\u00eda Fiscal Online\" class=\"wp-image-3938 lazyload\" data-srcset=\"https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1-1024x576.png 1024w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1-300x169.png 300w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1-768x432.png 768w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1-18x10.png 18w, https:\/\/iuritcorp.com\/wp-content\/uploads\/2025\/10\/Hacienda-Vigilara-Pagos-APP-Banco-1.png 1366w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/576;\" \/><\/figure>\n\n\n\n<p>In our experience, this measure is <strong>more transparency and more control to the Treasury<\/strong>, but also <strong>more red tape for businesses and self-employed<\/strong>. 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<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p><strong>Don't know if this legislation will affect your business or your income online?<\/strong><br>In <strong>IURIT<\/strong> we help you to analyze your case and prepare for these changes before 2026.<\/p>\n\n\n\n<p><a href=\"https:\/\/iuritcorp.com\/en\/?elementor_library=formulario-de-consulta\" target=\"_blank\" rel=\"noopener\" title=\"Consultation with us\">Consultation with us<\/a> and book your first session.<br>It avoids penalties and work around time with our team!<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Nuevas normas obligan a bancos y fintech a informar mensualmente a Hacienda sobre cuentas, pr\u00e9stamos y pagos. Descubre c\u00f3mo te [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3937,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"categories":[140],"tags":[144,143,150,159,153,142],"class_list":["post-3913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualidad-fiscal-reformas-legales","tag-autonomos","tag-declaracion-renta","tag-fiscalidad-internacional","tag-hacienda","tag-impuestos-espana","tag-iva"],"_links":{"self":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3913","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/comments?post=3913"}],"version-history":[{"count":3,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3913\/revisions"}],"predecessor-version":[{"id":3939,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/posts\/3913\/revisions\/3939"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media\/3937"}],"wp:attachment":[{"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/media?parent=3913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/categories?post=3913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/iuritcorp.com\/en\/wp-json\/wp\/v2\/tags?post=3913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}