MSP/MSB Compliance and Licensing in Spain
ABM Global Compliance provides complete MSP/MSB compliance services for money services businesses in Spain. From payment licence applications with Banco de España and AML/CFT frameworks under Law 10/2010 to ongoing regulatory support, we keep your business licensed, compliant, and growing.
Meeting Banco de España Expectations for Money Services
Operating a money services business in Spain means satisfying the Banco de España at every stage. Licensing under PSD2, AML/CFT compliance under Law 10/2010, transaction monitoring, and regulatory reporting all carry detailed national expectations. Firms that treat these obligations casually face delayed authorisations, supervisory findings, and in serious cases enforcement action that damages their reputation with banks and partners.
That is where ABM Global Compliance comes in. We combine former regulators and senior compliance professionals who understand both Spanish requirements and the wider EU framework. From your first conversation with Banco de España to ongoing supervision, we prepare applications, frameworks, and reports that regulators accept, so your team can focus on running and growing the business.
Our MSB Services Across Spain
Every money services business in Spain faces its own regulatory challenges, so our MSB compliance services cover the complete journey. From your first Banco de España application through to ongoing supervision, our specialists deliver practical, regulator-ready support at every stage of your growth.
Licence Applications & Regulatory Authorisations
Complete preparation and management of MSB and payment licence applications with Banco de España.
Ongoing Compliance Support
Continuous regulatory oversight, compliance monitoring, and expert practical guidance as your Spanish obligations evolve.
Regulatory Reporting
Accurate, timely regulatory reporting frameworks that satisfy Banco de España and European supervisory standards.
Policy & Procedure Updates
Compliance policies and procedures kept current with Law 10/2010 and changing Spanish regulatory requirements.
AML/CFT Training & Awareness
Role-specific AML/CFT training that satisfies regulatory expectations and genuinely changes daily staff behaviour.
Financial Crime Compliance
KYC, transaction monitoring, and sanctions screening frameworks that detect and prevent financial crime.
Ready to Strengthen Your Compliance?
Why MSBs in Spain Choose ABM
Regulator Knowledge
Real authorisation experience with Banco de España and payment licence applications across EU markets.
One Partner Everywhere
One compliance partner in Spain and every other EU member state as you grow.
Honest Advice
Regulator-ready policies, reports, and frameworks built for daily operations, not just paperwork.
Sectors We Serve in Spain
Our MSB compliance services support money remitters, currency exchange providers, payment service providers, and fintech platforms across Spain. Whether you are preparing your first Banco de España application or managing multi-country obligations, our specialists scale support to your business.
Compliance advisory, regulatory reporting, and financial crime frameworks for banks and credit institutions.
MiFID II, market abuse, and transaction reporting support for capital markets participants.
Authorisation, governance, and ongoing compliance support built around your investment firm obligations.
Practical compliance frameworks for asset managers, AIFMs, and UCITS management companies alike.
Licensing, safeguarding, and operational compliance support for payment institutions across EU markets.
EMI authorisation, safeguarding arrangements, and ongoing regulatory reporting support across the EU.
Regulatory guidance that keeps innovative business models compliant from launch through scale.
MiCA, DORA, and digital asset compliance for Europe’s next generation of finance.
Trusted and Loved by Our Clients Across the Europe
Businesses across Europe trust ABM to guide their licensing, strengthen their frameworks, and keep their compliance on track. Here is what founders, compliance officers, and executives say about working with our team.
Years Of Expertise
Trusted Expert Guidance, Just One Message Away
Tell us about your business and regulatory needs. One of our compliance specialists will respond within one working day with clear, practical next steps.
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Book Your Consultation
A confidential conversation about your licensing plans, compliance challenges, or regulatory questions, with no obligation attached.
Spanish MSB Compliance FAQs
Do MSBs need a licence in Spain?
Yes. Most money services activities in Spain require authorisation or registration with Banco de España under PSD2, plus AML/CFT compliance under Law 10/2010. We identify exactly what your model needs.
How long does Spanish MSB licensing take?
Timelines with Banco de España vary by licence type, typically between three and twelve months. Well-prepared applications that anticipate regulator questions consistently move faster through the process.
What AML rules apply in Spain?
Law 10/2010 implements the EU AML directives, requiring customer due diligence, transaction monitoring, suspicious activity reporting, an appointed compliance officer, and regular staff training for money services businesses.
Can a Spanish licence be passported?
Yes. A payment institution authorised in Spain can passport its services across the EU. We advise on structuring and manage the passporting notifications with Banco de España.
Do you support businesses after licensing?
Absolutely. Most Spanish clients stay with us for ongoing compliance support, regulatory reporting, policy updates, AML audits, and staff training long after their licence is granted.