Spain: Withdraw Over €3,000 Cash Without Telling the Tax Man? You Risk Massive Fines

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I'm just passing by here to remind you that Europe is "bye bye" and by the time you hear it on TV you'll be 10 years too late.




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https://recou.so/the-great-european-confiscation/
 
Spanish get what they deserve for voting socialist scum...

we used to laugh at North Korea...

actually there are no explicit withdrawal limits for cash in North Korea, but there are in Spain and many EU countries
 
yeah EU is crazy and who's paying are the small ones.

I saw a kid at a bank being treated like a criminal for trying to deposit 2k cash (real savings from youth)... one hour of forms and tons of AML questions... asking for receipts...



and after some minutes, same day, same bank, here comes "the house builder" with a bag containing 100k cash. A few scared looks at first, the teller calls the director, then zero questions asked... as long as he knows the director, no anti money laundering forms, nothing
 
Its not just Spain.

UK if you have 1000 Pounds cash they can seize it.



EU is run by communist.

Barosso was in early days in communist party portugal and later president of EU.

If you think this will only happen to spain watch how germany is taking money from their citizens for the good of the public.
 
is the first step towards the digital euro isn't it?

plenty of national banks already committed to it...



"We are working with the national central banks of the euro area to look into the possible issuance of a digital euro. It would be a central bank digital currency, an electronic equivalent to cash. And it would complement banknotes and coins, giving people an additional choice about how to pay."



they say it will not replace cash but will be complementary...

but then they go like:

"The digital euro, a digital form of central bank money, would offer greater choice to consumers and businesses in situations where physical cash cannot be used"



i mean they are the ones making it harder to use cash, so...







https://www.ecb.europa.eu/euro/digital_euro/html/index.en.html
 
https://nordictimes.com/world/spani...-authorities-ahead-of-major-cash-withdrawals/



Spaniards who want to withdraw €3,000 or more in cash can now only do so if they first notify the country’s tax authorities of their plans.



As usual, the new restrictions are justified by the need to fight organized crime, tax evasion and money laundering at all costs, and anyone wishing to make large cash withdrawals will need to notify the authority on its website, along with some form of electronic ID or digital certificate.

If a receipt from the tax authority cannot be presented, banks also have the right to stop citizens from withdrawing money. Banks are also obliged to report “suspicious transactions” to the tax authorities – including repeated withdrawals below the threshold.

For most people, applying for a cash withdrawal at least 24 hours in advance is sufficient – but those wishing to withdraw €100 000 or more must ask for the tax authorities’ approval at least three days before the withdrawal is to be made.

Anyone who fails to do so, or forgets to tell the authorities that they plan to use cash, will be fined up to 10% of the amount – or at least €600.



-----------
 
https://euroweeklynews.com/2025/04/...h-in-spain-you-could-now-face-a-e150000-fine/



Spain has quietly introduced a new rule: if you plan to withdraw over €3,000 in cash, you now have to notify the tax authorities in advance , 24 hours for amounts over €3K, and 72 hours if it’s over €100K. It’s not a fine for withdrawing , it’s a fine for not reporting it first. The penalty? Between 1% and 10% of the amount, up to €150,000. Even multiple smaller withdrawals can trigger scrutiny.
 
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the EU will soon in 2027 track and control individuals that pay over €3k euros cash… also €10k cash payment limit EU-wide will be implemented
 
Let's be brave here and denounce all Bankers as 'scum-sucking pondlife' - as for politicians, we all know. and have always known that they are all thoroughly corrupt, but most of all, utterly inept, brainless, and about as much use to the society/the people as putting 'Ashtrays on Motorbikes'!

So in this instance, let us ignore Spain, blacklist them from tourism and their consumer goods and see how 'their massive' economy will survive without their few Golden Eggs. The EU already screwed their local economies by restricting Brits to 90 day visits only, so if I were a Brit, try to sell, alternatively, lock up any property in a TRUST (and also physically) for your family in the future when the ''Commies'' are removed from Gov't seats, furthermore do not visit Spain at all, and let them live happily in their utter socialist dystopia and die a slow and painful death.
 
Alonzo said:






the EU will soon in 2027 track and control individuals that pay over €3k euros cash… also €10k cash payment limit EU-wide will be implemented

Click to expand...

Can somebody tell me when the revolutions will occur all over Europe and indeed also the UK - all politicians should be ARRESTED and locked up (with the innocents who are in prison for using hurty words in social media) ... ooh wouldn't they exact their revenge on these corrupt bar stewards
 
I’d like to know if anyone has been arrested or received that insane €150,000 fine in Spain for withdrawing more than €3,000 without declaring it?
 
It's becoming a real nuisance with the EU and all their financial transparency regulations.



Why do they need to monitor how much cash we want to withdraw from an ATM?
 
are you guys really suprised?



Several EU countries have introduced limits on how much cash you can withdraw or use without reporting:

  • Spain requires reporting for cash withdrawals over €3,000 as thread title!
  • Portugal limits cash payments to €3,000 for residents and €10,000 for non-residents. Tax payments in cash are capped at €500.
  • Italy allows cash payments up to €5,000 as of 2023.
  • Greece has a strict limit of €500 for cash payments, with plans to lower it further.
  • Malta bans cash payments over €10,000 for high-value items like real estate and vehicles, with fines of at least 40% for violations.
  • Poland limits business-to-business cash payments to 15,000 PLN (about €3,300), but there’s no limit for private individuals.
  • Netherlands doesn’t have a strict limit yet, but payments over €10,000 require ID, and suspicious payments over €2,000 must be reported. A €3,000 cap is being considered.
  • EU-wide, from 2027 a general cash limit of €10,000 is planned, and payments over €3,000 may require ID.
These measures aim to combat money laundering and tax evasion.



EU is going crazy with their insane laws.
 
Meanwhile in Japan you can do anything you want with cash and I don't hear Japan being the capital of money laundering or tax evasion. It's not about battling the bad guys, it's about controlling the crowds.
 
Jorozey said:






https://euroweeklynews.com/2025/04/...h-in-spain-you-could-now-face-a-e150000-fine/



https://www.theolivepress.es/spain-...e-fined-e150k-for-a-cash-withdrawal-in-spain/

Click to expand...

Hey friend, have you tried to read the second article that you linked to? It says no notification is required.



I have seen it a few days ago, nobody ever could post a link to a law, a lawyer commentaries on the law or at least larger news outlet. It certainly looks like fake. No forms to notify a withdrawal to be found on the Internet. Well, just think about this: why oblige a person to make a report when other highly regulated part of the transaction already reports it?
 
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JohnLocke said:






I’d like to know if anyone has been arrested or received that insane €150,000 fine in Spain for withdrawing more than €3,000 without declaring it?

Click to expand...

They will, money has a lot of attractiveness.

They kicked out entrepreneurs and will do the same thing with individuals.
 
I hate cash anyway; I never withdraw money. Everything only by credit card. Collect points, cashback, air miles....

Cash is annoying because it's difficult to use. Shops refuse 100 EUR, 200 EUR notes, etc. Coins are also annoying, heavy and not hygienic.
 
Cash itself can be inconvenient, sure, but the freedom it gives you to buy things without anyone else knowing is becoming increasingly rare.



When you pay for everything with a card or other digital methods, you leave a trail everywhere, and you're basically giving permission for all kinds of institutions to use your data in ways you might not even be aware of.



Personally, I’m just tired of all the surveillance.



btw. crypto is the way of freedom as long as freedom last.
 
nobel said:






I hate cash anyway; I never withdraw money. Everything only by credit card. Collect points, cashback, air miles....

Cash is annoying because it's difficult to use. Shops refuse 100 EUR, 200 EUR notes, etc. Coins are also annoying, heavy and not hygienic.

Click to expand...



Cash is the only lawful money. There is another medium called "reserves" ( ofc nothing has been "reserved" but anyway..) which should not concern you brcause they never circulate among us non-banks.



So, what you find hygienic is actually **not money by any law**, but a promise from a **private** entity.



The end goal of that private entity is actually to cut your ba..ls and replace it with a synthetic p...y.
 
The decree targets banks and fintechs, not ordinary account‑holders.

undefinedWhat Royal Decree 253/2025 actually does:​#-what-royal-decree-253-2025-actually-does
  • Requires banks, e‑money institutions and card issuers to file:
    Monthly reports of cash deposits, withdrawals, loans and account balances over €3,000.
    Monthly reports of merchant card payments (the old €3,000 annual threshold disappears).
    Annual reports on all card activity,charges, reloads and ATM cash, unless the card moves less than €25,000 a year.
  • Monthly reports of cash deposits, withdrawals, loans and account balances over €3,000.
  • Monthly reports of merchant card payments (the old €3,000 annual threshold disappears).
  • Annual reports on all card activity,charges, reloads and ATM cash, unless the card moves less than €25,000 a year.
  • Extends the duty to foreign fintechs serving Spanish residents.
  • Shifts most of the workload from yearly to monthly filings, tightening AEAT’s risk‑analysis window from 12 months to roughly 30 days.
The headline €150,000 figure is the maximum administrative penalty the AEAT can impose on entities that systematically fail to file or falsify the new reports.

Private customers are not in scope.

(now they will catch you quicker if you go over those thresholds as it will be reported monthly...)



https://cryptoslate.com/spain-demands-tighter-bank-oversight-fuels-bitcoin-appeal/

https://www.thelocal.es/20250513/fact-check-no-spain-does-not-fine-you-for-withdrawing-e3000
 
cuno said:






Cash itself can be inconvenient, sure, but the freedom it gives you to buy things without anyone else knowing is becoming increasingly rare.



When you pay for everything with a card or other digital methods, you leave a trail everywhere, and you're basically giving permission for all kinds of institutions to use your data in ways you might not even be aware of.



Personally, I’m just tired of all the surveillance.



btw. crypto is the way of freedom as long as freedom last.

Click to expand...

The tighter the regs, the more crypto and shadow banking (e.g. hawala) become.
 
Unfortunately, I believe that crypto will also eventually be subject to regulation, making it increasingly difficult to use coins that aren’t fully transparent. Right now, authorities across Europe are waging an open war on cash, and crypto will be next.
 
marioIT said:






The headline €150,000 figure is the maximum administrative penalty the AEAT can impose on entities that systematically fail to file or falsify the new reports.

Private customers are not in scope.

Click to expand...

I figured as much, the rest was probably just a headline meant to grab attention and drive clicks.
 
I'm spaniard and a lot of people here when being asked by the banker why they are withdrawing so much money they are saying literally "It's for c0caine and pr*stitutes lmao".

Bankers are like 'ewww we cannot write that" and these people reply them "no way, you should write exactly that f*ing way"
 
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Take a look at these so-called “freedom and democracy” countries in Europe. What a joke.



If your money is in your hand as cash, congratulations. It’s actually yours. You can spend it however you want. Imagine that.



But the second it hits a bank, it’s no longer just yours. Now it belongs to you, the bank, and the almighty government. And of course, they say it’s to fight money laundering. Right. What they’re really doing is using that excuse to take control of your money.



This is exactly why crypto was born. So you don’t have to ask anyone for permission to use what already belongs to you.



European leaders should be ashamed of themselves. Instead, they keep pretending to save the world while acting like total control freaks.



Tear up those European passports. They’re not worth the paper they’re printed on.
 
Reytonne said:






It’s actually yours. You can spend it however you want. Imagine that.

Click to expand...

That's the problem - you can't. Days when you could bring a duffle bag of cash to a notary and buy a flat are over. Hell, you can't even buy a new car from a dealer with cash. There are limits of how much you can pay with cash in stores with some exceptions made for tourists.

I'm talking here about Spain.

Cash will probably not die in the next 20 years, but it will be diminished for small purchases only and heavily monitored.
 
Reytonne said:






This is exactly why crypto was born. So you don’t have to ask anyone for permission to use what already belongs to you.

Click to expand...

Again, with an exception of few countries you can't do much with crypto directly - it must first be converted to fiat and then you might do a transaction. There are barely any merchants who accept crypto directly, only small percentage actually have crypto processing, you will get flagged by your payment processor if crypto payments make a significant amount of your turnover etc etc etc. I get bitcoin, it's a store of value, digital gold bla bla bla. But the rest is just some pseudo financial dandruff.
 
I still scratch my head when people post about wanting to move or buy property in Spain .



P.S And as always - get out of the EU while you still can .
 
I totally understand everything you're saying about the EU, the tax system, and Spain's aggressive tax policies.



But could it be that, if someone truly enjoys the country, its climate, the sea, etc. and has found a place they love to live, and most importantly, doesn't really care about the taxes as long as they can stay exactly where they want, it might not be that bad after all?
 
The problem must be that if you run into issues with the Spanish tax authorities, regardless of whether you follow all the rules and pay the taxes you should or not, it makes things very difficult if you want to live there in peace. And if you don't speak Spanish, I can only wish you good luck discussing things with such people.
 
"Spain is warm and relaxing and you are really free there!

Hacienda is friendly and the socialist government is really helping my business."




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nobel said:






I hate cash anyway; I never withdraw money. Everything only by credit card. Collect points, cashback, air miles....

Cash is annoying because it's difficult to use. Shops refuse 100 EUR, 200 EUR notes, etc. Coins are also annoying, heavy and not hygienic.

Click to expand...



In that case, you're done.

You probably have portraits of Klaus Schwab, Christine Lagarde and Ursula von der Leyen at home, as your biggest idols.





Are you sure you want what they're offering you?



















It's to track and record your every move.
 
Are you guys serious and think this is true and will be defacto standard in Europe?
 
Meta said:






Hey friend, have you tried to read the second article that you linked to? It says no notification is required.



I have seen it a few days ago, nobody ever could post a link to a law, a lawyer commentaries on the law or at least larger news outlet. It certainly looks like fake. No forms to notify a withdrawal to be found on the Internet. Well, just think about this: why oblige a person to make a report when other highly regulated part of the transaction already reports it?

Click to expand...

If you like the big brother, that's your business, don't bother me with your personal fetishes.



https://kpmg.com/kpmg-us/content/dam/kpmg/taxnewsflash/pdf/2025/04/tnf-spain1-apr14-2025.pdf



https://sede.agenciatributaria.gob....aciones-materia-obligaciones-informacion.html
 
turmpy said:






Are you guys serious and think this is true and will be defacto standard in Europe?

Click to expand...

Oh you have no idea how much worse it will get. Ping me in 2 years so we can compare how much more Europe is under Je*s dystopian(1984) communism on steroids has become.
 
I would like to kow what the point is to force this action! Less cash in circulation? Well, there may already be billions stashed and circulating.
 
mytoofood said:






I would like to kow what the point is to force this action! Less cash in circulation? Well, there may already be billions stashed and circulating.

Click to expand...



The points;

  • one world government
  • end of nations
  • one world army
  • one world police force
  • end of family unit
  • one world central bank
  • one world cashless currency
  • end of all private property
  • world depopulation and fertility control
  • end of home and car ownership
  • mandatory multiple vaccines yearly
  • universal austerity income
  • social media digital id
  • microchipped for health, shopping and travel
  • implementation of chinese social credit system
  • government-raised children
  • all businesses run by state
  • end of non-essential air travel
  • humans concentrated into 15-minute zones
  • end of private farms and vegetable gardens
  • end of animal ownership
  • ban on all natural medicine
  • AI courts, laws and end of individual rights
  • limited access to wild spaces
  • end of fossil fuels and modern conveniences
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Since the 2016 article has been deleted from the WEF website, you will find it here as evidence of their goals of controlling and manipulating the masses and the direction in which the world is moving is controlled by a small group of elites.



https://web.archive.org/web/2020032...hopping-i-can-t-really-remember-what-that-is/
 
Jorozey said:






If you like the big brother, that's your business, don't bother me with your personal fetishes.



https://kpmg.com/kpmg-us/content/dam/kpmg/taxnewsflash/pdf/2025/04/tnf-spain1-apr14-2025.pdf



https://sede.agenciatributaria.gob....aciones-materia-obligaciones-informacion.html

Click to expand...

Try to read first six words of the first link you posted. I believe you can do that if you try hard. If not I can help: "New reporting obligations for financial institutions".



It's for financial institutions. If you withdraw cash you don't need to report anything. Financial institutions, like banks, report. You don't report. You don't notify tax authorities in advance. There are no fines for you not notifying. What you posted in the first message is completely false. Fake. Drama. I just don't know how to explain it more clear.
 
JustAnotherNomad said:






This is fake news. You guys really need to learn to check sources.

Click to expand...

Maybe about needing to report to Spanish tax authorities as an individual.



It certainly isn’t fake news that many nations around the world is trying to clamp down on cash transactions.
 
Jorozey said:






Since the 2016 article has been deleted from the WEF website, you will find it here as evidence of their goals of controlling and manipulating the masses and the direction in which the world is moving is controlled by a small group of elites.



https://web.archive.org/web/2020032...hopping-i-can-t-really-remember-what-that-is/

Click to expand...

Did you read the Author's note on the webpage?

I will cite and highlight some words here:










Author's note: Some people have read this blog as my utopia or dream of the future. It is not. It is a scenario showing where we could be heading - for better and for worse. I wrote this piece to start a discussion about some of the pros and cons of the current technological development. When we are dealing with the future, it is not enough to work with reports. We should start discussions in many new ways. This is the intention with this piece.

Click to expand...

The truth value of the article is just as high as if I were to claim in the forum here that at least 50% of the population are reptiloids and say that I want to start a discussion about it.
 
AtlasShrugged said:






Maybe about needing to report to Spanish tax authorities as an individual.

Click to expand...



"Maybe the content of this thread was fake news."











AtlasShrugged said:






It certainly isn’t fake news that many nations around the world is trying to clamp down on cash transactions.

Click to expand...



"But it could have been possible!"

Cope much? Embarrassed that you fell for it?

Three pages for fake news.



Maybe I will become a forum sponsor and start selling anti-taxman talismans and "audit-risk fortune telling services".

"Our Liberty Shamans(TM) can tell you the risk of your tax-avoidance scheme being discovered"

The more I think about it, the more I like this business idea...



"CRS-Blocking Amulets"

"Bank Account Onboarding Oil"

"KYC Incense"



So many awesome products one could launch...
 
Marie Manila said:






Did you read the Author's note on the webpage?

I will cite and highlight some words here:



The truth value of the article is just as high as if I were to claim in the forum here that at least 50% of the population are reptiloids and say that I want to start a discussion about it.

Click to expand...



Madam, please get out of the kitchen and look around at what the world around you has become. And if you still really can't see what the world is becoming, don't forget to take off your rose-colored glasses.



Cashless society with Digital ID is right around the corner. If the masses accept it, there is no going back. The masses are quite stupid and naive and will accept it without thinking much, even by judging the examples of some of the commenters here. And then the real digital panopticon and utopian scenario begins.



Did you watch the video I posted above?



Let me break it down for you even more.

https://rumble.com/v6t0t49-agenda-2030-sdgs.html



p.s.

personal advice: plant a garden and don't trust the government
 
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