Card payments are increasingly frequent and Hacienda has news for all those who use them instead of cash payments. It is nothing new that the Tax Agency monitors the money movements of the Spaniards, with the purpose, among other things, to avoid tax fraud, and have put a New objective in card payments, whether credit or debit.
To control the use of these operations from the Government of Spain, work is being done on the development of a new decree to control card payments. With him it is intended that Banks inform the State Agency of the Tax Administration (AEAT) about the operations carried out by its clients.
For what is known to date, an annual statement will be made in which the operations that have been carried out with these payment methods will break as long as they exceed the annual limit of 25,000 euros for each card. But how will this measure affect?
How will affect the new measure that the government wants to approve to control card payments
This measure aims to control payments not only with credit or debit cards but also those made by other electronic media such as virtual cards, purse or prepaid.
To do this, as has been said, Entities will have to make an annual report when the limit of 25,000 euros is exceeded, which will include not only the breakdown of the movements with the amounts and the number of operations carried out, but also the card owner will also be identified.
Despite this new control by the Treasury to these operations Users will not have to do any extra procedure, since the banks will be responsible for submitting these reports in the cases in which it is necessary.
When the vigor will enter the new Royal Decree to control the card payments
This Royal Decree is still in development And he needs to pass through different phases before it is approved by the Council of Ministers so that he can enter into force.
At the moment there is still time for the measure to see the light, but The forecast is that the first statement is made in 2026collecting the data of the operations carried out throughout exercise 2025.