Money & tax
Tax residency, the Beckham law, banking, autónomo and cost of living.
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German Pension in Spain: Tax Under the Treaty (2026)
As a Spanish tax resident, you are taxed here on worldwide income, subject to the treaty. A pension paid by a German public body for public service is normally taxable only in Germany. A social-insurance pension is taxed in Spain; if first paid from 2015 to 2029, Germany may also take up to 5 per cent.
All guides
- Spain Tax Return Deadline: Key IRPF Dates for ResidentsSpain's Renta return dates, the filing limits, the second instalment, quarterly returns, foreign-asset and non-resident forms, and late-filing surcharges.Checked
- Beckham Law in Spain: Who Qualifies and How to ApplyWho qualifies for Spain's Beckham law (article 93 of the IRPF law), what it changes in your tax and how to opt in with Modelo 149 within six months.Checked
- Cost of Living in Valencia: Official Figures (2026)What Valencia costs, from official data: INE household spending and inflation, plus dated EMT fares, property tax and water tariffs. No Numbeo figures.Checked
- Modelo 720 for Expats: Who Files, Thresholds and PenaltiesModelo 720 for Spanish tax residents: three blocks, €50,000 per block, the 31 March deadline and penalties after the 2022 reform.Checked
- Open a Bank Account in Spain (Valencia): Rights and FeesWho has a legal right to a Spanish bank account, which ID the bank checks, the fee cap of 3 euros a month and what to do if a bank refuses.Checked
- Register as Autónomo in Spain: Steps, Costs, Tax ReturnsHow to register as autónomo in Spain: who may work on their own account, Modelo 036 then Social Security, the 2026 contribution table and quarterly returns.Checked
- Retire to Spain: How Your Pension Is Taxed (Valencia 2026)How Spain taxes a foreign or state pension for a resident in Valencia: residency tests, treaties, the 2026 state and Valencian scales and who files.Checked
- Spain Tax Residency: The 183-Day Rule and Two Other TestsThe tests in article 9.1 of Spain's IRPF law: the 183-day rule, economic interests and family, plus how days count and treaty tie-breakers.Checked
Offices
- Agencia Tributaria - Delegación de ValenciaPlaca de l'Ajuntament 9, 46002 Valencia, SpainOpen in Google Maps ↗ (opens in a new tab)