Money and Admin in Spain
Handle the Spanish tax return, bank fees, direct debits, Bizum and the monthly budget.
Every spring Spanish residents check the borrador that Hacienda prepares and file the declaración de la renta online, logging in with a digital certificate or Cl@ve; the result either sale a devolver or a pagar. Day to day, bills are direct-debited from your account, salaries arrive with a nómina, and friends pay each other by Bizum. The cards follow a couple in Málaga sorting out taxes, a bank account and their budget.
- 1
Este año tengo que hacer la declaración de la renta.
I have to file my tax return this year.
- 2
¿Hasta cuándo hay de plazo?
When's the deadline?
- 3
¿Te sale a devolver o a pagar?
Are you getting a refund or do you have to pay?
- 4
He revisado el borrador y parece que está bien.
I've checked the draft and it seems fine.
- 5
Necesitas el certificado digital o Cl@ve.
You need a digital certificate or Cl@ve.
- 6
¿Puedo domiciliar los recibos?
Can I set up direct debits for the bills?
- 7
El banco me ha cobrado una comisión.
The bank has charged me a fee.
- 8
Quiero una cuenta sin comisiones.
I want an account with no fees.
- 9
Te lo paso por Bizum.
I'll send it to you by Bizum.
- 10
¿Lo puedo pagar a plazos?
Can I pay it in instalments?
- 11
Cobro a final de mes.
I get paid at the end of the month.
- 12
¿Dónde encuentro la nómina?
Where do I find my payslip?
- 13
Este mes me he pasado de presupuesto.
I've gone over budget this month.
- 14
Intento ahorrar algo cada mes.
I try to save a bit every month.
- 15
El alquiler me lo cargan el día uno.
They take the rent out on the first.
- 16
No sé cuánto me queda en la cuenta.
I don't know how much I've got left in my account.
- 17
Mejor se lo pregunto a un gestor.
I'd better ask a gestor.
- 18
Me lío con tanto papeleo.
I get muddled with all this paperwork.
- 19
¿Nos conviene hacerla conjunta?
Is it better for us to file jointly?
- 20
Ya me ha llegado el dinero a la cuenta.
The money's already come into my account.