An fassara wannan shafi da na'ura daga Ingilishi kuma ba a duba shi ta wani mai fassara ba. Waɗannan kalmomi na doka da dokoki za su iya zama marasa daidaito. Fassarar Ingilishi ce mafi inganci. Ka karanta wannan shafi cikin Ingilishi
Spain ita ce daya daga cikin manyan kasuwannin banki na yankin euro, gida ne ga wasu kungiyoyi masu bankuna masu mahimmanci a duniya, tare da tattalin arzikin biyan kuɗi mai girma da kuma fannin fintech a Madrid da Barcelona. Bankunan, cibiyoyin biyan kudi da e-dalar ana ba su izinin ta hanyar Banco de España (da ECB don bankunan), yayin da CNMV ke kula da kamfanonin zuba jari da masu ba da sabis na crypto-asset.
Alamar RiskiStandard
FATFBa a lissafa ba
EU AML high-risk listBa a lissafa ba
EU tax listBa a lissafa ba
License regimes6
Kudin kudiDakata
S&P ratingA+
Zaben gabada aka biya cikin 2027
Spain ba a kan FATF grey ko black lists (plenary of 19 June 2026); kamar yadda wani EU Member State shi ne a waje na EU high-risk third-country list (Delegated Reg. 2016/1675, consolidated 29 January 2026) da EU tax list (Annex I, updated 17 February 2026). Checked 7 October 2026.
Gwamnati da siyasa
Gwamnati
Parliamentary constitutional monarchy
King
Felipe VI · tun Yuni 2014
Shugaban Majalisar Dattawa
Pedro Sánchez (Partido Socialista Obrero Español (PSOE))
Jam'iyyun siyasa
Spanish Socialist Workers Party (PSOE), Sumar
Zabe na ƙarshe
General (parliamentary), 23 Yuli 2023
Zaben gaba
General (parliamentary), due by 2027. Sánchez ya ce za a gudanar da zaben ne a shekarar 2027; ranar karshe ta doka ita ce lokacin bazara na shekarar 2027
Legislature
Cortes Generales: Majalisar wakilai (350) da majalisar dattawa (265, 208 aka zaba kai tsaye)
Sistema Legal
Civil law system with regional variations
Ƙasa da kudi
Jami'a
49.4m (2025)
GDP
USD 1.9tn (2025)
GDP per person
USD 38,290 (2025)
Kudin kudi
Euro (EUR)
Bankin Cibiyar
Bankin Spain
Credit rating
S&P A+ (stable) · Moody's A3 (stable) · Fitch A (stable) (as of March 2026)
Ita ce kasa ta huɗu mafi girma a nahiyar Turai da kuma daya daga cikin masu bunkasuwa da sauri, tana dogaro da yawon shakatawa, ayyuka, samar da motoci da noma, tare da manyan bankuna masu aiki na duniya kamar su Santander da BBVA.
Banki
Authorisation of a bank (entidad de crédito)
Minimum capitalUSD 20.1m
Layin lokaciMataki a cikin watanni 6 na karɓar ko kammala fayil din kuma a kowane hali a cikin watanni 12; rashin magana yana nufin rashin amincewa (RD 84/2015 art. 3(2))
AuthorityECB a kan shawara daga Banco de España
EUR 18 miliyan farko share kasuwar, da aka biya gaba daya a cikin kudi da kuma a cikin share rajista (RD 84/2015 art. 4(b)), sosai sama da EU kasa na EUR 5 miliyan
Dokar
Ley 10/2014 on credit institutions; Real Decreto 84/2015, arts. 3 (authorisation) and 4(b) (capital); Regulation (EU) No 1024/2013 art. 14
Passporting
Na'am: EU passport under CRD (Arts. 33 to 39) for branches and cross-border services
Buƙatun Maɓalli
Deposit na kudi tare da Banco de España (ko bashi na jama'a wanda aka amince da shi) daidai da 20% na mafi ƙarancin hannun jari lokacin shigarwa
Ma'aikatan da suka dace da kuma masu saka hannun jari masu muhimmanci
Business plan, governance and internal control arrangements
Mai ba da sabis na crypto-asset (CASP) amincewa a karkashin MiCA
Minimum capitalUSD 56k
Layin lokaciMiCA Art. 63: 25 kwanakin aiki don bincika cikakkun bayanai, sa'an nan kuma 40 kwanakin aiki don yanke shawara kan cikakken aikace-aikace (za a iya dakatar da agogon don neman bayani)
AuthorityCNMV (Banco de España ya kula da masu fitarwa na e- kudi tokens da asusun-referenced tokens)
MiCA Art. 67 da Annex IV: EUR 50,000 (class 1: umarni aiwatarwa, sanyawa, canja wurin sabis, karɓar da isar da, shawara, gudanarwa ta asusun ajiya), EUR 125,000 (class 2: ƙara tsare da kulawa, da musayar kudi ko wasu crypto-assets), EUR 150,000 (class 3: ƙara aiki wani dandali na ciniki); ko kuma rabin shekara ta gabata daidai overheads idan mafi girma
Dokar
Regulation (EU) 2023/1114 (MiCA), arts. 59 to 63; Ley 6/2023 designating the CNMV
Passporting
Na'am: MiCA izinin zai iya zama fasfo a duk EU/EEA ta hanyar sanarwar (MiCA Art. 65)
Buƙatun Maɓalli
Aikace-aikacen da aka yi rajista a cikin Tarayyar Turai inda ake bayar da wani bangare na ayyuka, wurin gudanarwa mai tasiri a cikin EU da kuma kowanne manajan da yake zaune a cikin EU (MiCA Sashe na 59(2)
Ya dace da daidaitacce management body da m kwarewa shareholders
Tsare-tsaren tsaro da tsare-tsaren crypto-assets da kuɗaɗe, kulawa da korafe-korafe, rikice-rikice na doka
AML/CFT tsari da kuma bi da ka'idar canja wurin kuɗaɗe (EU) 2023/1113
Investment firm authorisation (empresa de servicios de inversion)
Minimum capitalUSD 84k
Layin lokaciMataki a cikin watanni 6 na karɓar ko kammala fayil; za'a iya daukar rashin magana da yaƙin ciki a matsayin ƙi (Dokar 6/2023 art. 131(1))
AuthorityCNMV
IFD Art. 9: EUR 75,000 (aiki da karɓa da isar da sako, gudanarwa, kula da asusun ajiya, shawarwari, sanyawa ba tare da ƙuduri ba, ba tare da kuɗin mai amfani ko takardun shaidar da aka riƙe ba); EUR 150,000 (wani kamfani); EUR 750,000
Dokar
Ley 6/2023 de los Mercados de Valores y de los Servicios de Inversión, arts. 131 and 134; Regulation (EU) 2019/2033 (IFR)
Passporting
Yes: MiFID II passport (Arts. 34 and 35) for services and branches
Buƙatun Maɓalli
Tare da kasuwanci, kudi, mulki da kuma bukatun kungiyar cikin gida da aka sanya ta dokar
Membership of the investment guarantee fund (fondo de garantía de inversiones)
Lasisi na gabaɗaya (licencia general) da lasisi guda ɗaya don wasa a kan layi a matakin jiha
Minimum capitalBa a wallafa ba
Layin lokaciBa a wallafa ba
AuthorityDGOJ (ta gudanar da ayyukan da doka ta tanada ga Comisión Nacional del Juego)
Dokar
Ley 13/2011 de regulación del juego, arts. 10 (general licences), 11 (singular licences), 13 (operators) and 49 (fees)
Farashin
Kudin aikace-aikace na EUR 10,000 ga kowane lasisin; EUR 2,500 don shiga cikin Register General of Gaming Licences; kuɗin dokar shekara ta 0.75 a kowace dubu na kudaden shiga na wasan kwaikwayo (Dokar 13/2011 art. 49(5)); adadi za'a iya canzawa ta hanyar Dokar Kasafin Kudi na shekara
Passporting
Ba: lasisin caca na Spanish ne na kasa
Buƙatun Maɓalli
Lasisi na gabaɗaya ana ba da su ne kawai ta hanyar kira na jama'a (convocatoria); za a iya neman kiran sabon watanni 18 bayan wanda ya gabata ga irin wasa guda
Wanda ya shigar da aikace-aikacen dole ne ya kasance wata sociedad anonima tare da wasan caca a matsayin manufarta ta kamfani, daga Spain ko EEA, tare da wani wakili mai zaman kansa a cikin Spain
Technical, economic and financial solvability; no relevant criminal convictions, insolvency or serious sanctions
An bukaci lasisin daya ga kowanne nau'i na wasa a karkashin lasisin gabaɗaya; lasisin gabaɗaya yana da tsawon shekaru 10, ana iya sake shi har zuwa 10
Banco de España (BdE) · websiteBanks, E-money institutions, Payment service providers
Comisión Nacional del Mercado de Valores (CNMV) · websiteInvestment firms, Virtual asset service providers (VASPs)
Bankin Tsakiya na Turai (Mechanism) (ECB) · websiteBanks
Dirección General de Ordenación del Juego (DGOJ) · websiteOnline gaming
MiCA: Spain ta yi amfani da cikakkiyar lokacin canji na watanni 18; CNMV ta bayyana cewa ta ƙare a ranar 1 ga Yuli, 2026. Kasuwar hannun jari ta banki ta Spain ta miliyan 18 na Euro ita ce mafi girma fiye da mafi ƙarancin EU. Kasuwar farko ta kamfanin zuba jari an sanya ta ta hanyar doka (Real Decreto ta aiwatar da Ley 6/2023); adadin da aka nuna sune mafi ƙasƙanci na EU IFD kuma ba'a buɗe dokar kasa ba. Wasannin kan layi a matakin jiha ana bada lasisi ta DGOJ. Ba'a tabbatar da ranar kiran lasisi mai zurfi na DGOJ ba.
Bayanai na Gabaɗaya
About Spain
Iyakokin ƙasa na halitta. Maɓallin maɓalli ne kawai.
UTC+01:00 (UTC+02:00 a lokacin hunturu); Canary Islands UTC+00:00
Main exports
motoci
farfajiya mai kwalliya
Dakata
sassa na motar da kayan haɗi
Kayan ado
yawon shakatawa
Main export partners
France
Jamus
Portuguese
Italy
United Kingdom
Sources for the country information(7)
Bayanin ƙasar da aka bincika 9 Oktoba 2026. Bayanan lasisi an sabunta su 7 Oktoba 2026. Bayani kawai, ba shawara ta doka ba; bukatun sun canja. Labari na dokoki.
