Geld & Recht
Steuern, Banken & Anwälte
Finanzen und Recht in Spanien: Bankkonto eröffnen, Steuererklärung machen, Doppelbesteuerung verstehen und den richtigen Steuerberater oder Anwalt finden. Alles was du als deutscher Resident wissen musst.
Artikel
15
Ø Lesezeit
12 Min.
Aktualisiert
März 2026
Finanzen und Recht für Deutsche auf Mallorca
Geld und Recht gehören zu den komplexesten Themen für deutsche Auswanderer auf Mallorca. Vom spanischen Bankkonto über die Steuererklärung bis zum Doppelbesteuerungsabkommen - die finanziellen und rechtlichen Regelungen in Spanien weichen erheblich von denen in Deutschland ab. Als Resident bist du in Spanien steuerpflichtig und musst dich mit dem Modelo 720, der Vermögenssteuer und der jährlichen Renta auseinandersetzen.
In unseren Ratgebern erklären wir dir die wichtigsten Finanz- und Rechtsthemen verständlich und auf Deutsch. Du erfährst, wie du ein spanisches Bankkonto eröffnest, welche Steuerberater auf Mallorca auf deutsche Kunden spezialisiert sind und worauf du bei der Steuererklärung achten musst. Außerdem zeigen wir dir, wie du den richtigen Anwalt findest, welche Rechtsformen es für Immobilienbesitz gibt und wie das Doppelbesteuerungsabkommen zwischen Deutschland und Spanien funktioniert. So behältst du bei Finanzen und Recht auf Mallorca den Durchblick.
Die wichtigsten Guides
Finding a Lawyer in Mallorca - What You Should Look Out For
How to find a German-speaking lawyer in Mallorca, when you need one, and what Spanish legal practice means for you as a German national.
10 Min.Opening a Bank Account in Spain - Step-by-Step Guide
How to open a bank account in Spain: an overview of Spanish banks, online banks and the steps involved, with the exact requirements you need to meet.
8 Min.ETV Licence on Mallorca: How the Balearic Islands Are Tackling Illegal Holiday Rentals
How the Consell de Mallorca uses AI-powered tools to detect illegal holiday rentals, what fines you face, and how to rent your finca or apartment to tourists legally.
13 Min.Exit Taxes and Asset Reporting Before Moving to Mallorca
Before you become a Spanish tax resident, your home country may want its share of unrealised capital gains. This guide covers exit tax rules for the UK, Canada, Australia, the US, and Ireland, plus pre-move planning steps to avoid expensive surprises.
14 Min.Transferring Money - Wise, Revolut and More Compared
Comparison of the best services for international money transfers: exchange rates, fees and speed for Wise, Revolut, N26 and traditional banks.
7 Min.Getting Married on Mallorca as an Expat - The Complete Guide
Getting married on Mallorca involves two very different paths - a legally binding civil ceremony or a symbolic ceremony at a venue - and mountains of paperwork if you are a foreign national. This guide walks you through documents, timelines, ayuntamiento procedures, and what you need to register the marriage back home.
16 Min.Inheritance Planning on Mallorca - What Every Expat Needs to Know
International expats living on Mallorca can elect their home-country law to govern their succession under EU Regulation 650/2012 - but the rules, taxes, and practicalities are more layered than most people expect. This guide explains forced heirship, Balearic civil law, Spanish wills, and the inheritance tax breaks that make Mallorca surprisingly favourable for families.
18 Min.Getting a Loan in Spain - What You Need to Know as a German
Everything about loans in Spain: the types available, the requirements you need to meet as a foreigner, and how to find the best deal.
10 Min.Cost of Living on Mallorca - What Does Life Actually Cost?
What does life on Mallorca really cost? An honest overview of rent, food, transport, health, leisure and utility costs for German expats and residents.
12 Min.Retiring on Mallorca - A Practical Guide for Expats
Thinking about retiring on Mallorca? This guide covers visa routes by nationality, how your home-country state pension is paid and taxed in Spain, healthcare options, realistic cost-of-living ranges, and the best areas of the island for retirees.
15 Min.Spanish Criminal Record Certificate on Mallorca - How and Where to Get It
The Certificado de Antecedentes Penales is a document you will need for certain Spanish visas, some employment roles, and professional licences. This guide explains when you need it, how to get it online or in person in Palma, what it costs, and how it differs from the home-country clean record certificate you also need for initial residency applications.
12 Min.Tax Return in Spain (Renta) - IRPF Explained
Everything about Spanish income tax: the IRPF tax return, deadlines, the 183-day rule, allowances, and deductions for employees and the self-employed.
10 Min.When Are You Tax-Liable in Spain? - All Criteria Explained
From when are you tax-liable in Spain? The 183-day rule, centre of life, economic focus, the Beckham Law, and Modelo 720 - all explained clearly.
12 Min.Tax Residency and Double Taxation on Mallorca - A Guide for Expats
Understand when you become a Spanish tax resident, what the 183-day and centre-of-vital-interests rules mean, how double taxation treaties with the US, UK, Ireland, Canada, Australia, New Zealand, and South Africa work, and when you must file Modelo 720 and Modelo 721.
16 Min.Wealth Tax in Spain - What Really Counts on the Balearic Islands
How the Impuesto sobre el Patrimonio works in Spain, what allowances the Balearic Islands offer, and what the solidarity levy ISGF means for large fortunes.
8 Min.