Learn about legal requirements if you are a Spanish creator
If You Are Not Registered as Self-Employed (Autónomo)
If you live in Spain and are not registered as self-employed, receiving payments into your personal bank account may raise questions from the Spanish tax authority (Hacienda). Your bank could be asked to report the origin of these funds, and you may be required to declare them.
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If your annual income is under €2,000, it’s unlikely to trigger tax issues.
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However, if payments become frequent or exceed €2,000, it’s strongly advised to seek professional guidance.
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In such cases, registering with the tax agency may be necessary (for example, through "alta en el IAE" using Modelo 036).
Withholding Tax (IRPF)
A standard 15% IRPF withholding applies to payments made to individuals who are not registered as self-employed in Spain. This percentage may vary if the individual is properly registered and can provide the required tax documentation.
Payment Example
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Gross amount paid: €10
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IRPF withheld (15%): €1.50
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Net amount received: €8.50
This is the amount you will receive in your bank account after tax is deducted.
Need Help?
If you need help understanding your tax obligations or the registration process, it’s recommended to contact a professional tax advisor—especially if your income from collaborations is growing or becoming regular.