Since June 2025, the Spanish Tax Agency (Hacienda) has activated a new fiscal measure: temporary suspension of access to bank accounts and cards for taxpayers considered high-risk for non-payment. This is not a widespread measure but targets individuals and companies under close tax scrutiny.
📌 Who is affected?
Individuals or companies with tax debts of €600,000 or more.
Those who repeatedly violate their fiscal obligations, even with smaller debts.
📌 What happens?
All bank accounts and cards are blocked: you cannot withdraw money, make payments, or send transfers.
This is not a seizure — the funds remain in the account but cannot be used until the debt is settled.
📌 How to lift the block?
Fully pay the outstanding debt.
Request a payment plan or deferral.
File an appeal if you believe the block was made in error.
📌 How to check if you're on the "blacklist"?
Hacienda publishes an annual list of major debtors — it's available on the Tax Agency’s website.
Notifications are also sent through electronic or postal channels.
Note: even if you're not considered high-risk, banks may block accounts if money laundering is suspected or for uncontrolled large transactions. Transfers of €1,000 to €3,000 can already trigger automatic review.