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In forcePayment service providers: card fees, ATM fees and payment accounts (national)Last checked 11 November 2026

Interchange fees and merchant service charges received (TID 1, TID 2)

A regulatory return listed by the Banco de España (BdE), Spain.

Interchange fees and merchant service charges received by payment service providers on card payments at points of sale in Spain, by type of card holder, type of card and activity of the payee (the Bank's page on the published data). Source

Official title: Información sobre tasas de descuento y de intercambio percibidas (Circular 1/2015, modificada por la Circular 1/2016)

The facts

Who files
Payment service providers: credit institutions, specialised lending institutions, payment institutions, e-money institutions and branches in Spain of these foreign institutions (the Bank's page on the published data). Providers first notify the Bank whether they carry out reportable operations (notice form under rule 3.3 of Circular 1/2015). Source
How often
Quarterly: both statements cover fees received in the quarter (the Bank's data file). Source
Deadline
Not stated on the Banco de España page or in the files read. Source
Format
XBRL-XML. XBRL-XML file built on the Bank's own taxonomy, sent through the SIF system (web upload or signed and encrypted email to correo@procesos.bde.es) with a Banco de España electronic certificate; the file names the reporting module and lists the statements sent in a preamble (I.E. 2008.02). Taxonomy 'es-be-tid' (interchange fees and merchant service charges received). Source
How it is filed
Filing routes recorded for the BdE: SIF (Sistema de Intercambio de Información Financiera); Banco de España Virtual Office (Sede Electrónica): 'Envío de documentación financiera' (procedure ES_BDE_C164_P90); Editran and ITW file transfer (Central Credit Register and its complementary statements); CRGWWW; EXB: register of branch offices of supervised entities. See how firms file with the BdE.
Status
In force
Group
Payment service providers: card fees, ATM fees and payment accounts (national)

Templates (2)

The tables and forms inside the return. Plain name first, the BdE's code in brackets.

  • Interchange fees received in the quarter (TID 1)
  • Merchant service charges received in the quarter (TID 2)

The Bank gives the statements numbers [1001] and [1002]. Source

Validation rules

The BdE publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

How they are written: PDF of cross-checks ('Correlaciones').

Under I.E. 2008.02, statements that fail the validations are, as a general rule, rejected automatically and treated as not filed; part of the checks are also published in XBRL in the Bank's taxonomies.

The rules, on bde.es

How they were counted

Not counted: '20160200_cuadres_relaciones_estados_TID.pdf' is a PDF in an older layout whose rules could not be counted reliably from its text.

Counts are in the BdE's own unit, so they are not comparable with other regulators' counts.

Public data

Published firm by firm. Under Law 18/2014 the Bank publishes, for each payment service provider, average interchange fees and merchant service charges each quarter (and maximum fees on transactions with individuals), plus aggregate data and time series. Source

Where it is published (Web pages and Excel time series)

  • Interchange fees and merchant service charges

    Firm by firm · Web pages and Excel time series

    For each payment service provider, average interchange fees and merchant service charges received on card payments at points of sale in Spain each quarter (and maximum fees for transactions with individuals), plus aggregate figures and time series; published under Law 18/2014 and updated quarterly. Source

Official documents (8)

The BdE's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BdE's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Banco de España (https://www.bde.es). Documents copied here are unchanged and are available free of charge on the Banco de España website. The plain-English summaries are Line4's own; the Banco de España does not endorse this library.

Last checked 11 November 2026.