Finance & Taxes

A Spanish S.L. costs a little over 106 euros in official fees and the share capital can be one euro. Steps, deadlines, running costs and the honest autonomo comparison.

A euro payment from a UK bank can carry no fee at all and still cost you a percentage in the exchange rate. Fees, margins, arrival times and Spanish reporting limits for UK and US senders, with sources.

Andalusia charges 45% from €60,000, while the UK stays at 40% until £125,140. But Spain taxes your first euro of dividends, and the UK gives you a £12,570 allowance. Here is the line-by-line comparison for 2026.

The Andalusia inheritance tax allowance decides whether your inherited house in the south stays tax-free or turns costly – here’s which deadlines and forms actually matter, wherever you’re filing from.

What a Spanish will actually costs at the notary, which documents you need, and how your heirs find it after your death — the complete breakdown for non-EU expats in Andalusia.

Modelo 720 Spain: penalties and deadline explained – we break down the thresholds, filing dates, and what fines are actually still on the table since the EU Court ruling.

Dinner in Málaga is over, the waiter brings one bill for the whole table, and your new Spanish friends simply say they will send you…

Electricity, water, fibre, butane and community fees: the average apartment utility costs in Spain as a monthly amount per bill, sourced from Eurostat, Spain’s statistics office and the official gazette. Plus who pays community fees and IBI when you rent, and what to do if your bank account is in the UK.

Spanish income tax is notoriously complex, and for non-EU residents, the stakes of getting your residency status wrong are financially painful. This guide cuts through the ‘Gestoría’ jargon to explain exactly how the IRPF brackets work, when you officially become a tax resident, and why the 183-day rule is your most critical deadline. We don’t just show you the rates; we give you the tactical roadmap to avoid double taxation.

Spain’s minimum wage is €1,221 gross a month, paid 14 times a year. Here is what you take home after social security, why there is no general hourly rate, how to convert a 12-payment offer, and what a non-EU passport changes.

As an autónomo you pay €88.64 a month to Spanish Social Security in your first year, then €205.88 to €607.35 depending on your net income. Add 20% income tax prepayments, quarterly VAT returns and a gestor. Here are all 15 brackets, a worked example and the residence rules for UK and US citizens.

Taxing a foreign pension in Spain is a must for residents living here over 183 days. Discover how Double Taxation Agreements work, the risks of ignoring Modelo 720, and how to file your taxes safely.