Spain Crypto & Forex Tax 2026: Savings Scale 19-30%, Modelo 721
Spain taxes crypto, forex and stocks in the savings base at 19% to 30%, with a new 30% band above EUR 300,000. Modelo 721 on foreign crypto is due 31 March 2026.
The Savings Scale: 19% to a New 30% Band
Savings income is taxed in bands: 19% up to EUR 6,000, 21% from EUR 6,000 to 50,000, 23% from EUR 50,000 to 200,000, 27% from EUR 200,000 to 300,000, and a new 30% above EUR 300,000.
- 19% to EUR 6k, 21% to EUR 50k, 23% to EUR 200k.
- 27% to EUR 300k, new 30% above EUR 300k.
- Crypto, forex and stocks all sit in the savings base.
Modelo 721 and DAC8
Modelo 721 declares foreign-held crypto and is due 31 March 2026. DAC8 reporting also applies to crypto service providers.
What Changed in 2026
- New 30% savings band above EUR 300,000.
- Modelo 721 due 31 March 2026.
- DAC8 applies, filing window 11 April to 30 June 2026.
Wealth Tax, Solidarity Tax and Filing
Wealth tax and the solidarity tax apply on net wealth over EUR 3 million. The income filing window runs 11 April to 30 June 2026.
FAQ
What is the savings tax scale in Spain in 2026?
19% to EUR 6k, 21% from 6k to 50k, 23% from 50k to 200k, 27% from 200k to 300k, and a new 30% above EUR 300k.
Are crypto, forex and stocks in the savings base?
Yes. All three are taxed in the savings base.
What is Modelo 721?
The declaration of foreign crypto assets, due 31 March 2026.
Do wealth taxes apply?
Wealth tax and the solidarity tax apply on net wealth over EUR 3 million.
When is the Spanish filing window?
11 April to 30 June 2026.
Estimate Your 2026 Tax
Run your numbers for crypto, forex and stocks.