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

Payment account fees and basic payment accounts (CTP 1 to CTP 3, FID)

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

Information on payment accounts: average fees for transfers and direct debits (CTP 1), basic payment accounts opened or refused (CTP 2), the payment account switching service (CTP 3), and each provider's Fee Information Document for its payment accounts (rule 9) (the Bank's sending procedure). Source

Official title: Información al Banco de España (Circular 2/2019, normas 9, 12 y 13): cuentas de pago

The facts

Who files
Credit institutions and branches in Spain of foreign credit institutions that offer payment accounts (CTP 1), basic payment accounts (CTP 2) or account switching (CTP 3); payment service providers that offer payment accounts for the Fee Information Document (sending procedure). Source
How often
Quarterly for CTP 1; annual for CTP 2 and CTP 3 (sending procedure). The procedure says the last CTP 2 data are those of December 2022. Source
Deadline
CTP 1 by day 20 of the month after the data; CTP 2 and CTP 3 by 30 June of the following year (sending procedure). Source
Format
XBRL-XML, PDF. CTP statements in XBRL (taxonomy 'ctp') through SIF 'official sending of statements'; the Fee Information Document as a PDF generated from the Bank's form, one per type of payment account, through SIF 'official sending of documentation' as document type 58. 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 (4)

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

  • Quarterly average fees and expenses for transfers and direct debits (business in Spain) (CTP 1)
  • Annual information on basic payment accounts (business in Spain) (CTP 2)
  • Annual information on the payment account switching service (business in Spain) (CTP 3)
  • Fee Information Document for payment accounts (FID)

Where the list was read: Source

Validation rules

9 rules, as counted from the BdE's published material. They are written for people to read; software cannot run them as published. Source

How they are written: PDF report of cross-checks ('Informe de cuadres y relaciones' or 'Correlaciones y cuadres') giving each rule code, its number of evaluations, tolerance and formula.

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

Distinct rule codes listed in 'CTP_Cuentas_Pago_Cuadres.pdf' (file dated 2021-07-07 by the server), each shown with its number of evaluations and its formula; 8 rule codes whose validity period ended before 11 November 2026 were left out (17 listed in all).

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

Public data

No published data from this return was found. No data from this return published by the Banco de España was found on the pages checked. 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.