Canada    FinTech Guide    Chapter 10    Spain

10. Accounting
AAA  Spain

For a long time both the social and political climate towards modern accounting is very favourable, but this change is especially disruptive among the SMEs.

Legal Affairs

Currently, there are no special legal licenses required to provide online accounting services. The only limitation is that accountants must be members of a professional association that endorses their formation before the Spanish Tax Agency. Being a member of an association will allow the accountant to obtain the certificate to operate on behalf of third parties.

Economic Conditions

The accounting market is one of the most developed Fintech markets in Spain, especially within the large companies.


A FinTech to consider is Iasesoria.

Contributing Authors

Ventura Garcés & López-Ibor

Claudi Garcés
Barcelona, Spain

Alfonso López-Ibor
Madrid, Spain

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Chapter Index:

1. Payment Services / Mobile Payment

2. Asset and Portfolio Management

3. Consulting and Broking Services / Robo-advisory / Auto-trading

4. Trading Platforms / Social Trading Platforms / Signal Following

5. Crowdfunding / Crowdinvesting / Crowdlending

6. Virtual Currency - Bitcoin

7. Loan Services / Factoring / Loan Broking / Finetrading

8. Online Banking Services

9. Analytics and Research / Data Management / Risk Management

10. Accounting

11. Identification

12. Online-pawning

13. InsurTech

14. RegTech

15. Initial Coin Offerings (ICOs)

The information in this guide provides a general overview at the time of publication and is not intended to be a comprehensive review of all legal developments nor should it be taken as opinion or legal advice on the matters covered. It is for general information purposes only and readers should take legal advice from a Multilaw member firm.

Publication Date: 1 May 2018