licencemap
Informational only, not legal advice. Verify with qualified counsel before acting. Full disclaimer

🇪🇸 Spain

Bank-led CASP adoption (BBVA, CaixaBank, Openbank) under CNMV, with a sharply disputed headline CASP count and an approaching 1 July 2026 hard deadline.

Crypto (CASP) E-Money (EMI)
Last verified 2026-07-03 Next review 2026-07-17

Data verified: oldest cell 1 day ago (verified 2026-07-02). Individual cells show their own verification date below.

Licence type

Entidad de Dinero Electronico (EDE), authorised under Ley 21/2011, de 26 de julio, de dinero electronico, and Real Decreto 778/2012 (as amended by Real Decreto 736/2019). Spain recognises 'entidades de dinero electronico hibridas' (hybrid EMIs) and an exemption/light regime under art. 14 of Real Decreto-ley 19/2018 for small-scale e-money issuers below activity thresholds, analogous to a 'small EMI' tier.

Verified 2026-07-02 Source: BOE Ley 21/2011: https://www.boe.es/buscar/doc.php?id=BOE-A-2011-12909 ; BOE Real Decreto 778/2012: https://www.boe.es/diario_boe/txt.php?id=BOE-A-2012-5993

Regulator

Banco de Espana (Bank of Spain)

Verified 2026-07-02 Source: Banco de Espana: https://sedeelectronica.bde.es/sede/es/tramites/autorizacion-entidades-dinero-electronico-p221.html

Capital requirement 🔒

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Timeline to authorisation 🔒

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Local substance 🔒

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Application cost 🔒

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Ongoing cost 🔒

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Passporting 🔒

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EMIs authorised 🔒

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Key restrictions 🔒

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Safeguarding 🔒

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Recent changes

PSD3/PSR final texts published 23 April 2026, undergoing legal-linguistic review, OJ publication expected June/July 2026 (risk of slipping to September). Analysis flags that Spain's separate payment-institution and e-money statutes (despite an integrated supervisor) will likely require a more structural legislative overhaul than in peer states to merge into PSD3/PSR's single rulebook.

Verified 2026-07-03 Source: Herbert Smith Freehills Kramer: https://www.hsfkramer.com/notes/fsrandcorpcrime/2026-posts/the-new-eu-payments-rulebook-psd3-psr

Difficulty rating 🔒

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The decision numbers for Spain are one step away

Capital, timeline, costs, substance, passporting, restrictions and difficulty, with sources and verification dates. Deciding now? The one-off Founder Pass (£349) unlocks everything for 30 days. The free showcase jurisdiction shows you the exact format and quality first.

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Informational only, not legal advice. Entries marked as placeholder or awaiting verification must not be relied on. Confirm all requirements with Spain's regulator and qualified local counsel before acting.