Crowdfunding and CrowdLending Taxation 2025
1 – When is the income tax return made in 2025?
It begins on April 2, 2025, while the deadline for submission is June 30, 2025. The deadlines may undergo some changes depending on the submission format we choose.
Deadline for filing the Income Tax return
Source: La Razón
2 – Should investments in crowdfunding and crowdlending be declared in Spain in 2025?
In recent years, the number of investors who have opted for these Alternative Investments instead of traditional ones has increased enormously, which is why it is important that we know very well how to declare these gains in our income tax return to avoid any possible shock.
In this article I will try to help you understand how to declare these investments, the taxes that have to be paid, and a little about the functioning of Crowdfunding taxation in Spain.
Let’s go from the most general to the most specific; are you ready? Let’s get started!
3 – In what cases should you file the income tax return in 2025?
The Spanish tax return is an annual process that affects most taxpayers. However, there are exceptions and conditions that determine who must complete this process.
The exempt limit set is 15,000 euros for not making the Renta application to be applied if two situations occur:
- You have entered money from two or more companies.
- You have received more than 1,500 euros from the second and subsequent company.
For example, a person who has entered 20,000 euros per year, but 19,000 euros come from one company and 1,000 from another, will not be required to file the IRPF. The reason is that they have not received more than 1,500 euros from the second payer.
For the Renta 2024 campaign that begins in 2025, it is important to know that, according to the regulations, in addition to the limit of 15,000 euros with two payers, there are other figures and income that will mean you have to file the IRPF:
- When your income exceeds 22,000 euros with a single payer.
- When you have earned more than 1,600 euros in capital gains from movable assets or capital gains (money from investments).
- When you exceed the 1,000 euros of imputed real estate income (houses that are not your primary residence and are not rented out), from the income from Treasury Bills.
- When you incur patrimonial losses exceeding 500 euros.
- When you add up more than 1,000 euros in income from economic activities subject to or not subject to withholding tax. That is, when you are self-employed and have earned more than 1,000 euros from the activity.
- People who receive the Minimum Vital Income (IMV).
- When you receive income from work subject to a fixed withholding rate.
- People who receive compensatory pensions from their spouse or annual alimony, unless they come from the parents and are the result of a judicial decision.
4 – Is there a minimum exemption to avoid paying taxes on real estate or capital gains?
A few years ago there was a tax exemption for the first 1,500 euros in the «Famous» category, but today there is no minimum or tax-free amount, so it is necessary to pay tax on the first euro of profit.
The tax reform has eliminated the exemption from taxation in the IPRF for the first 1,500 euros earned in the form of dividends. That is, starting with the entry into force of the tax reform, taxpayers who receive dividends will have to pay tax in the IRPF on 100% of the amounts they earn from that source.
5 – Tax cuts for the 2025 savings tax base 💰
It varies practically every year; especially the last stretches; this is updated to the latest version in 2025, corresponding to the 2024 fiscal year:
Keep in mind that these amounts refer to the total accumulated profits obtained, not only from all crowdfunding and crowdlending investment platforms, but also from all returns on equity, such as interest on bank accounts, investment funds, etc.
Common mistake
Pepito has a yield of 7,000 euros in 2025; he goes to the previous graph and multiplies 7000 * 21% because he puts «From 6,000 € to 50,000 €» and 7,000 euros is within that range; consequently, he thinks he should pay 1,470 euros.
Did Pepito do a good job?Pepito is wise and searches for information in Invant APPs; there Antonio tells him that this calculation is not correct and that it is a very common mistake at the beginning because it is by increments; Antonio tells him the following:
Pepito, being wise, joined his YouTube channel, saved the Invant Apps website as a favorite, and joined the Telegram Channel because Antonio does these exercises constantly in Telegram as well.
Source: Raisin
6 – Real Estate Capital Returns 🏠🏨
Real estate capital yield is the income obtained by the owner of a property as a result of its rental or its transfer to third parties. In the case of rental, the yield is obtained by the difference between the total amount of the income received and the expenses necessary to obtain it.
The term real estate refers to all the belongings that are somehow associated with the land. In other words, those assets that cannot be moved from one place to another, such as an office, a plot of land, a house, etc.
More information source: Tales
7 – Return on Capital Assets 💶🪙
On the other hand, movable goods are those that can be moved from one place to another. These are the ones that interest us. Within this category, there is a wide variety, since a table is a movable item, but so is a portfolio of stocks.
However, there is a difference between these two types of movable assets. The desk does not generate economic benefits, but the stock portfolio does.
Therefore, the latter generates an income from movable capital and is consequently subject to tax payment.
- Fixed-income securities.
- Dividends received by the shares.
- Bank accounts.
- Bonds and debentures.
- Amounts obtained from life or disability insurance, provided that they are taxed as income from work.
- All those products that are referred to as structured products.
- Crowdfunding platforms
- Crowdlending platforms
The interest obtained through crowdlending is considered as Real Estate Capital Income and is subject to Article 25 of the Personal Income Tax Act (IRPF).
In Spain, the taxation of crowdlending does not apply to individual investments, but to the total profits obtained from investments, which are generally taxed as capital gains. This means that all capital gains are accumulated and deducted from the capital losses incurred during the same fiscal period.
Visual Appearance in the Income Declaration 🔎
Located in the Tax Return online service after the «Earnings of Labor»:
Bonus 1️⃣ – Do crowdfunding platforms apply tax withholdings? 🤬
Most crowdfunding and lending platforms in Spain DO retain taxes at source to remit them directly to the Tax Agency, and this will be reflected in our Income Tax Declaration.
However, this does not happen with foreign crowdfunding platforms. The vast majority of these platforms do not practice withholding taxes at source, although some do. In these cases, such withholding will not be shown on the Spanish tax return.
For example, platforms located in Latvia and Lithuania do tend to retain taxes at source.
Bonus 2️⃣ – Main Spanish Platforms 💃
Main Spanish Platforms in Invant APPs
Bonus 3️⃣ – Main Regulated Platforms in Invant APPs 🔒
Main Regulated Platforms in Invant APPs
Bonus 4️⃣ – Top European Crowdfunding Platforms 🥇
Main European Crowdfunding and Crowdlending Platforms in Invant APPs
Esketit
I want to EARN REAL CASH NOW🏖️!Mintos
Within the Fiscal Report for the year 202X, you will be able to see the following breakdown:
I want to EARN REAL CASH NOW🏖️!Monefit SmarSaver
I want to EARN REAL CASH NOW🏖️!Debitum Network
I want to EARN REAL CASH NOW🏖️!Robocash
I want to EARN REAL CASH NOW🏖️!PeerBerry
I want to EARN REAL CASH NOW🏖️!Crowdpear
I want to EARN REAL CASH NOW🏖️!Lendermarket
I want to EARN REAL CASH NOW🏖️!Urbanitae
Urbanitae is a Spanish platform. When investing in this platform, the operator of the operation will apply withholding tax at source on the profit obtained, which is 19%.
These amounts will be automatically reflected in the draft of the tax return, specifically in the section of the taxable base for savings as income from movable capital.
