{"id":8096,"date":"2026-09-20T21:00:18","date_gmt":"2026-09-20T19:00:18","guid":{"rendered":"https:\/\/www.invantapps.com\/?p=8096"},"modified":"2026-09-29T00:48:36","modified_gmt":"2026-09-28T22:48:36","slug":"declaracion-de-la-renta-2025","status":"publish","type":"post","link":"https:\/\/www.invantapps.com\/en\/academia\/declaracion-de-la-renta-2025\/","title":{"rendered":"2025 Income Tax Return"},"content":{"rendered":"<div class=\"invant-post-content\" style=\"line-height: 1.7; color: #2d3748; font-size: 17px;\">\n\n<p style=\"font-size: 19px; font-weight: 600; color: #1e293b; margin-bottom: 24px;\">Crowdfunding and CrowdLending Taxation 2025<\/p>\n\n<h2>1 \u2013 When is the income tax return made in 2025?<\/h2>\n\n<p>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.<\/p>\n\n<h3>Deadline for filing the Income Tax return<\/h3>\n\n<!-- Calendario \/ Cronograma visual -->\n<div style=\"margin: 24px 0; display: flex; flex-direction: column; gap: 10px;\">\n  <div style=\"padding: 14px 18px; background: #f8fafc; border-left: 4px solid #0284c7; border-radius: 6px;\">\n    <strong style=\"color: #0369a1;\">April 2, 2025:<\/strong> Start of the submission of declarations online through the Renta WEB service.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #f8fafc; border-left: 4px solid #0284c7; border-radius: 6px;\">\n    <strong style=\"color: #0369a1;\">April 29, 2025:<\/strong> Pre-appointment for the telephone presentation is enabled.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #f8fafc; border-left: 4px solid #0284c7; border-radius: 6px;\">\n    <strong style=\"color: #0369a1;\">May 6, 2025:<\/strong> Telephone service begins through the program \u00abWe Call You\u00bb.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #f8fafc; border-left: 4px solid #0284c7; border-radius: 6px;\">\n    <strong style=\"color: #0369a1;\">May 29, 2025:<\/strong> Opening of the pre-appointment service for in-person care at offices.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #f8fafc; border-left: 4px solid #0284c7; border-radius: 6px;\">\n    <strong style=\"color: #0369a1;\">June 2, 2025:<\/strong> Start of face-to-face service at Tax Agency offices.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #fef2f2; border-left: 4px solid #ef4444; border-radius: 6px;\">\n    <strong style=\"color: #b91c1c;\">June 25, 2025:<\/strong> Deadline for submitting statements with results to be entered by bank deposit.\n  <\/div>\n  <div style=\"padding: 14px 18px; background: #fef2f2; border-left: 4px solid #ef4444; border-radius: 6px;\">\n    <strong style=\"color: #b91c1c;\">June 30, 2025:<\/strong> End of the deadline for submitting the declaration.\n  <\/div>\n<\/div>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>Source: <a href=\"https:\/\/www.larazon.es\/economia\/inicio-campana-renta-2025-directo-hoy-borrador-como-tramitarla_2025040267ecd71dfd547000010e53da.html\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">La Raz\u00f3n<\/a><\/em><\/p>\n\n<h2>2 \u2013 Should investments in crowdfunding and crowdlending be declared in Spain in 2025?<\/h2>\n\n<p>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.<\/p>\n\n<p>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.<\/p>\n\n<p>Let\u2019s go from the most general to the most specific; are you ready? Let\u2019s get started!<\/p>\n\n<h2>3 \u2013 In what cases should you file the income tax return in 2025?<\/h2>\n\n<p>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.<\/p>\n\n<div style=\"margin: 20px 0; padding: 20px 24px; background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 8px;\">\n  <strong style=\"color: #1e40af; font-size: 16px; display: block; margin-bottom: 8px;\">Limit with two payers: 15,000 euros<\/strong>\n  <p style=\"margin: 0 0 10px 0; color: #1e3a8a;\">The exempt limit set is 15,000 euros for not making the Renta application to be applied if two situations occur:<\/p>\n  <ul style=\"margin: 0; padding-left: 20px; color: #1e3a8a; line-height: 1.7;\">\n    <li>You have entered money from two or more companies.<\/li>\n    <li>You have received more than 1,500 euros from the second and subsequent company.<\/li>\n  <\/ul>\n<\/div>\n\n<p>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.<\/p>\n\n<p>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:<\/p>\n\n<div style=\"margin: 20px 0; padding: 20px 24px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px;\">\n  <ul style=\"margin: 0; padding-left: 20px; line-height: 1.8; color: #334155;\">\n    <li>When your income exceeds 22,000 euros with a single payer.<\/li>\n    <li>When you have earned more than 1,600 euros in capital gains from movable assets or capital gains (money from investments).<\/li>\n    <li>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.<\/li>\n    <li>When you incur patrimonial losses exceeding 500 euros.<\/li>\n    <li>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.<\/li>\n    <li>People who receive the Minimum Vital Income (IMV).<\/li>\n    <li>When you receive income from work subject to a fixed withholding rate.<\/li>\n    <li>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.<\/li>\n  <\/ul>\n<\/div>\n\n<h2>4 \u2013 Is there a minimum exemption to avoid paying taxes on real estate or capital gains?<\/h2>\n\n<div style=\"margin: 24px 0; padding: 20px 24px; background: #fffbeb; border-left: 5px solid #f59e0b; border-radius: 6px;\">\n  <strong style=\"color: #92400e; font-size: 16px;\">Taxation from the first euro:<\/strong>\n  <p style=\"margin: 8px 0 0 0; color: #78350f; line-height: 1.7;\">\n    A few years ago there was a tax exemption for the first 1,500 euros in the \u00abFamous\u00bb category, but today there is no minimum or tax-free amount, so it is necessary to pay tax on the first euro of profit.\n  <\/p>\n  <p style=\"margin: 10px 0 0 0; color: #78350f; line-height: 1.7;\">\n    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.\n  <\/p>\n<\/div>\n\n<h2>5 \u2013 Tax cuts for the 2025 savings tax base \ud83d\udcb0<\/h2>\n\n<p>It varies practically every year; especially the last stretches; this is updated to the latest version in 2025, corresponding to the 2024 fiscal year:<\/p>\n\n<!-- Tabla de Tramos IRPF -->\n<div style=\"overflow-x: auto; margin: 25px 0;\">\n  <table style=\"width: 100%; border-collapse: collapse; text-align: center; font-size: 15px; border: 1px solid #e2e8f0; border-radius: 8px; overflow: hidden;\">\n    <thead>\n      <tr style=\"background: #0f172a; color: #ffffff;\">\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; text-align: left;\">PERFORMANCE<\/th>\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; background: #1e3a5f;\">RETENTION<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">Up to \u20ac6,000<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">19 %<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">From 6,000 \u20ac to 50,000 \u20ac<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">21 %<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">From 50,000 \u20ac to 200,000 \u20ac<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">23 %<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">From \u20ac200,000 to \u20ac300,000<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">27 %<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">More than \u20ac300,000<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">30 (% previously 28%)<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p>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.<\/p>\n\n<h3>Common mistake<\/h3>\n\n<div style=\"margin: 25px 0; padding: 22px 24px; background: #0f172a; color: #ffffff; border-radius: 8px;\">\n  <p style=\"margin: 0 0 12px 0; line-height: 1.7; color: #f8fafc;\">\n    Pepito has a yield of 7,000 euros in 2025; he goes to the previous graph and multiplies 7000 * 21% because he puts \u00abFrom 6,000 \u20ac to 50,000 \u20ac\u00bb and 7,000 euros is within that range; consequently, he thinks he should pay 1,470 euros.\n  <\/p>\n  <strong style=\"color: #38bdf8; font-size: 16px; display: block; margin-bottom: 8px;\">Did Pepito do a good job?<\/strong>\n  <p style=\"margin: 0 0 12px 0; line-height: 1.7; color: #f8fafc;\">\n    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:\n  <\/p>\n  <div style=\"padding: 14px 18px; background: #1e293b; border-left: 4px solid #38bdf8; border-radius: 4px; font-style: italic; color: #e2e8f0; margin-bottom: 12px;\">\n    \u00abSince Pepito was paid in installments, the first 6,000 euros went to the 19%th, which totaled 1,140 euros, and subsequently that difference until your 7,000 euros\u2014that is, those remaining 1,000 euros\u2014already count as 21%, which would mean 210 euros. If you add up 1,140 and 210 euros, that would be 1,350 euros, and not the 1,470 euros you calculated\u2014in other words, you actually have to pay less\u00bb\n  <\/div>\n  <p style=\"margin: 0; line-height: 1.7; color: #94a3b8; font-size: 14px;\">\n    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.\n  <\/p>\n<\/div>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>Source: <a href=\"https:\/\/www.raisin.es\/tributacion\/declaracion-de-la-renta\/tramos-irpf\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Raisin<\/a><\/em><\/p>\n\n<h2>6 \u2013 Real Estate Capital Returns \ud83c\udfe0\ud83c\udfe8<\/h2>\n\n<p>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.<\/p>\n\n<p>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.<\/p>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>More information source: <a href=\"https:\/\/tarinas.com\/irpf-sobre-rendimiento-de-capital-inmobiliario\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Tales<\/a><\/em><\/p>\n\n<h2>7 \u2013 Return on Capital Assets \ud83d\udcb6\ud83e\ude99<\/h2>\n\n<p>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.<\/p>\n\n<p>However, there is a difference between these two types of movable assets. The desk does not generate economic benefits, but the stock portfolio does.<\/p>\n\n<p>Therefore, the latter generates an income from movable capital and is consequently subject to tax payment.<\/p>\n\n<div style=\"margin: 20px 0; padding: 20px 24px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px;\">\n  <ul style=\"margin: 0; padding-left: 20px; line-height: 1.8; color: #334155;\">\n    <li>Fixed-income securities.<\/li>\n    <li>Dividends received by the shares.<\/li>\n    <li>Bank accounts.<\/li>\n    <li>Bonds and debentures.<\/li>\n    <li>Amounts obtained from life or disability insurance, provided that they are taxed as income from work.<\/li>\n    <li>All those products that are referred to as structured products.<\/li>\n    <li><a href=\"https:\/\/www.invantapps.com\/en\/plataformas\/\" style=\"color: #0284c7; text-decoration: underline;\" target=\"_blank\" rel=\"noopener\">Crowdfunding platforms<\/a><\/li>\n    <li>Crowdlending platforms<\/li>\n  <\/ul>\n<\/div>\n\n<p>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).<\/p>\n\n<p>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.<\/p>\n\n<h3>Visual Appearance in the Income Declaration \ud83d\udd0e<\/h3>\n\n<p>Located in the Tax Return online service after the \u00abEarnings of Labor\u00bb:<\/p>\n\n<h2>Bonus 1\ufe0f\u20e3 \u2013 Do crowdfunding platforms apply tax withholdings? \ud83e\udd2c<\/h2>\n\n<p>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.<\/p>\n\n<p>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.<\/p>\n\n<p>For example, platforms located in Latvia and Lithuania do tend to retain taxes at source.<\/p>\n\n<h2>Bonus 2\ufe0f\u20e3 \u2013 Main Spanish Platforms \ud83d\udc83<\/h2>\n\n<!-- Tabla Plataformas Espa\u00f1olas -->\n<div style=\"overflow-x: auto; margin: 25px 0;\">\n  <table style=\"width: 100%; border-collapse: collapse; text-align: center; font-size: 15px; border: 1px solid #e2e8f0; border-radius: 8px; overflow: hidden;\">\n    <thead>\n      <tr style=\"background: #0f172a; color: #ffffff;\">\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; text-align: left;\">Crowdfunding platforms<\/th>\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; background: #1e3a5f;\">Holdback on Payments<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/urbanitae.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Urbanitae<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">Civislend<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">WeCity<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">Hausera<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">Equito App<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: 500;\">Domoblock<\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">19%<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>Main Spanish Platforms in Invant APPs<\/em><\/p>\n\n<h2>Bonus 3\ufe0f\u20e3 \u2013 Main Regulated Platforms in Invant APPs \ud83d\udd12<\/h2>\n\n<!-- Tabla Plataformas Reguladas -->\n<div style=\"overflow-x: auto; margin: 25px 0;\">\n  <table style=\"width: 100%; border-collapse: collapse; text-align: center; font-size: 15px; border: 1px solid #e2e8f0; border-radius: 8px; overflow: hidden;\">\n    <thead>\n      <tr style=\"background: #0f172a; color: #ffffff;\">\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; text-align: left;\">Crowdfunding platforms<\/th>\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; background: #1e3a5f;\">Holdback on Payments<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/mintos\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Mintos<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/debitum\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Debitum Network<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/twino\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Twino<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/viainvest\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">VIAInvest<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/nectaro\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Nectaro<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/indemo\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">INDEMO<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">5% EU and 20% Rest<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>Main Regulated Platforms in Invant APPs<\/em><\/p>\n\n<h2>Bonus 4\ufe0f\u20e3 \u2013 Top European Crowdfunding Platforms \ud83e\udd47<\/h2>\n\n<!-- Tabla Plataformas Europeas -->\n<div style=\"overflow-x: auto; margin: 25px 0;\">\n  <table style=\"width: 100%; border-collapse: collapse; text-align: center; font-size: 15px; border: 1px solid #e2e8f0; border-radius: 8px; overflow: hidden;\">\n    <thead>\n      <tr style=\"background: #0f172a; color: #ffffff;\">\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; text-align: left;\">Crowdfunding platforms<\/th>\n        <th style=\"padding: 14px 16px; border: 1px solid #1e293b; background: #1e3a5f;\">Holdback on Payments<\/th>\n      <\/tr>\n    <\/thead>\n    <tbody>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/esketit\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Esketit<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/monefit\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Monefit SmarSaver<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/robocash\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Robocash<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/peerberry\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">PeerBerry<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/crowdpear\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Crowdpear<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #0284c7;\">15% EU<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/lendermarket\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Lendermarket<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/bondora\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Bondora<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/loanch\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Loanch<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/hive5\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Hive5<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/income\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Income MarketPlace<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #ffffff;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/swaper\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">Swaper<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n      <tr style=\"background: #f8fafc;\">\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; text-align: left; font-weight: bold;\"><a href=\"https:\/\/invant.link\/maclear\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"color: #0284c7; text-decoration: underline;\">MaClear<\/a><\/td>\n        <td style=\"padding: 12px 16px; border: 1px solid #e2e8f0; font-weight: bold; color: #16a34a;\">Exempt (0%)<\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"font-size: 14px; color: #64748b;\"><em>Main European Crowdfunding and Crowdlending Platforms in Invant APPs<\/em><\/p>\n\n<!-- Fichas y Enlaces de Plataformas -->\n<div style=\"display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 14px; margin: 24px 0;\">\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Esketit<\/h3>\n    <a href=\"https:\/\/invant.link\/esketit\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Mintos<\/h3>\n    <p style=\"margin: 0 0 10px 0; font-size: 13px; color: #64748b;\">Within the Fiscal Report for the year 202X, you will be able to see the following breakdown:<\/p>\n    <a href=\"https:\/\/invant.link\/mintos\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Monefit SmarSaver<\/h3>\n    <a href=\"https:\/\/invant.link\/monefit\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Debitum Network<\/h3>\n    <a href=\"https:\/\/invant.link\/debitum\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Robocash<\/h3>\n    <a href=\"https:\/\/invant.link\/robocash\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">PeerBerry<\/h3>\n    <a href=\"https:\/\/invant.link\/peerberry\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Twino<\/h3>\n    <a href=\"https:\/\/invant.link\/twino\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Crowdpear<\/h3>\n    <a href=\"https:\/\/invant.link\/crowdpear\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">Lendermarket<\/h3>\n    <a href=\"https:\/\/invant.link\/lendermarket\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 8px; text-align: left;\">\n    <h3 style=\"margin: 0 0 8px 0; font-size: 16px; color: #1e40af;\">Urbanitae<\/h3>\n    <p style=\"margin: 0 0 6px 0; font-size: 14px; color: #1e3a8a; line-height: 1.6;\">\n      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%.\n    <\/p>\n    <p style=\"margin: 0; font-size: 13px; color: #475569; line-height: 1.6;\">\n      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.\n    <\/p>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">VIAInvest<\/h3>\n    <a href=\"https:\/\/invant.link\/viainvest\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">LOANCH<\/h3>\n    <a href=\"https:\/\/invant.link\/loanch\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">HIVE5<\/h3>\n    <a href=\"https:\/\/invant.link\/hive5\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">SWAPER<\/h3>\n    <a href=\"https:\/\/invant.link\/swaper\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">NECTARO<\/h3>\n    <a href=\"https:\/\/invant.link\/nectaro\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n  <div style=\"padding: 16px; background: #f8fafc; border: 1px solid #e2e8f0; border-radius: 8px; text-align: center;\">\n    <h3 style=\"margin: 0 0 10px 0; font-size: 16px; color: #0f172a;\">MACLEAR<\/h3>\n    <a href=\"https:\/\/invant.link\/maclear\" target=\"_blank\" rel=\"noopener noreferrer\" style=\"display: inline-block; padding: 8px 16px; background: #0284c7; color: #ffffff; text-decoration: none; border-radius: 6px; font-weight: 600; font-size: 14px;\">\n      I want to EARN REAL CASH NOW\ud83c\udfd6\ufe0f!\n    <\/a>\n  <\/div>\n<\/div>\n\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>2025 Income Tax Return: deadlines, who must file a return, income tax brackets for savings and withholding tax by platform.<\/p>","protected":false},"author":7,"featured_media":9567,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fiscalidad"],"_links":{"self":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/posts\/8096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/comments?post=8096"}],"version-history":[{"count":0,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/posts\/8096\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/media\/9567"}],"wp:attachment":[{"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/media?parent=8096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/categories?post=8096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.invantapps.com\/en\/wp-json\/wp\/v2\/tags?post=8096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}