When you open an account, we’re required by banking regulations to verify your income. These documents help us confirm your financial situation and keep your account secure.
This article explains which income documents issued in Spain you can provide, depending on whether the account holder is:
- A legal entity (company or organization)
- An individual (natural person)
Company income
Company income is money earned by a legal entity. This can include a limited company, association, or other registered organization.
These are the types of accepted documents you can provide as proof of company income.
| Document | Description | Issue date |
|---|---|---|
| Cuentas Anuales (Balance, PyG, Estado de cambios, Estado de flujos, Memoria) | Official annual accounts filed at the Mercantile Registry | The last 2–3 years filed |
| Impuesto de Sociedades (Modelo 200) (if available) | Corporate income tax return (if available) | The last 2–3 filings |
| Declaraciones trimestrales de IVA (Modelo 303) or latest filed annual summary (Modelo 390) | Quarterly VAT returns (Modelo 303) or Annual VAT summary (Modelo 390) |
303: the last 4–8 consecutive quarterly filings 390: the latest filed annual summary |
| Modelo 347 (if available) | Annual declaration of transactions with third parties | The most recent year |
| Company bank statement (if newly created) | Show operational income activity | The last 3–6 months |
Individual income
Individual income is the money you earn from your personal activities. This can include salaried employment, self-employment, pensions, and investments.
These are the types of accepted documents you can provide as proof of individual income.
| Document | Description | Issue date |
|---|---|---|
| Payslips (nóminas) | Salary received from an employer | The last 3 months |
| Pension certificate (if applicable) | Proof of retirement income | The most recent |
| Declaración de la renta (Modelo 100) | Annual personal income tax return | The most recent year |
| Facturas emitidas (self-employed) | Paid invoices showing business income | Within the last 3 months |
| Extractos bancarios | Bank statements showing income deposits | The last 3–6 months |
| Declaraciones trimestrales del IVA (Modelo 303) (self-employed) | Quarterly VAT returns | The last 2–4 quarterly filings |
| Declaraciones trimestrales IRPF (Modelo 130/131) (self-employed) | Quarterly income tax self-assessment | The last 2–4 quarterly filings |
Tips for preparing your documents
You can help speed up the review process by making sure your documents meet these criteria:
- Provide official documents.
- Meet the issue date requirements.
- Make sure the documents clearly show your name, address (if applicable), dates, and the amounts or sources of income.
- Include signatures or stamps if they are part of the official document.
- Make sure documents are well-lit and fully visible, with no shadows, reflections, or cropped edges.
- Include all pages if a document has multiple pages.
- Provide documents in PDF format (JPEG or PNG are also accepted).
Tip
Upload your documents together in a single file when possible. This helps us review them faster.
If you have any questions, submit a request to Swan Support.