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Para tomar decisiones a tiempo, los equipos financieros necesitan saber cuánto se ha gastado, qué compromisos están aprobados y cuánto margen queda disponible antes de autorizar nuevas compras.",{"type":120,"attrs":180,"content":182},{"textAlign":27,"key":181},"p-1",[183],{"text":184,"type":126},"El seguimiento en tiempo real conecta las solicitudes, las aprobaciones, las tarjetas, las facturas y las notas de gastos con las partidas presupuestarias correspondientes. 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Tiene en cuenta el proceso completo cuando alguien necesita realizar un gasto: obtener aprobaciones de compra, proporcionar métodos de pago, presentar y procesar facturas, presentar y reembolsar reclamaciones de gastos, buscar recibos y facturas para la conciliación, y asignar los códigos analíticos, las cuentas de gastos y los tipos de IVA adecuados a todos esos gastos para la contabilidad.",{"type":120,"attrs":2742,"content":2743},{"textAlign":27},[2744],{"text":2745,"type":126},"Las herramientas de gestión de gastos se vuelven necesarias cuando aumenta el número de empleados y la necesidad de procesos claros, mayor visibilidad y control comienza a crecer para los equipos financieros.",{"type":120,"attrs":2747,"content":2748},{"textAlign":27},[2749],{"text":2750,"type":126},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":120,"attrs":2752,"content":2753},{"textAlign":27},[2754],{"text":2755,"type":126},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2757,"title":2758,"component":1198,"description":2759},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":117,"content":2760},[2761,2766,2778,2783,2793,2798,2803,2808],{"type":120,"attrs":2762,"content":2763},{"textAlign":27},[2764],{"text":2765,"type":126},"Spendesk ofrece métodos de pago para empresas modernas y una potente plataforma para que los equipos financieros gestionen los gastos. 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Esta se envía directamente a su superior para su validación y, a continuación, al equipo financiero.",{"type":120,"attrs":2784,"content":2785},{"textAlign":27},[2786,2790,2791],{"text":2787,"type":126,"marks":2788},"Para los equipos financieros",[2789],{"type":240},{"type":192},{"text":2792,"type":126},"Cada empleado tiene su propio perfil de Spendesk y su tarjeta de débito para gastos. Así, a diferencia de lo que ocurre con las tarjetas de crédito de empresa, siempre se sabe quién está gastando el dinero de la empresa.",{"type":120,"attrs":2794,"content":2795},{"textAlign":27},[2796],{"text":2797,"type":126},"La plataforma permite a los controladores crear límites de gasto y aprobaciones previas. Los ejecutivos de nivel C o los gerentes tendrán un nivel de gasto preaprobado diferente al del resto del personal. Si un miembro del equipo necesita superar su presupuesto preaprobado, puede solicitarlo a su gerente a través de la aplicación móvil o la plataforma en línea.",{"type":120,"attrs":2799,"content":2800},{"textAlign":27},[2801],{"text":2802,"type":126},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. 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Qué es MCP, cómo transforma el trabajo de los equipos financieros y si tu stack está preparado para dar el salto.",[],[2890],{"_uid":2891,"items":2892,"heading":2933,"component":1260},"b8e20771-518d-4ea7-84b3-fc8cc3770269",[2893,2903,2913,2923],{"_uid":2894,"title":2895,"component":1198,"description":2896},"051638a5-b123-4ece-a8eb-aa627f7232c4","¿Qué es MCP y cómo funciona para finanzas?",{"type":117,"content":2897},[2898],{"type":120,"attrs":2899,"content":2900},{"textAlign":27},[2901],{"text":2902,"type":126},"El Protocolo de Contexto de Modelo es un estándar abierto que permite a los asistentes de IA conectarse de forma estandarizada a herramientas externas y fuentes de datos. Para controllers, analistas de FP&A y directores financieros, significa que un asistente como Claude, ChatGPT o Dust puede consultar datos de gasto y responder en lenguaje natural, sin tener que exportar información para cada consulta. Para los usuarios de Spendesk, una vez activada la conexión y según el rol y los permisos disponibles, es posible consultar datos de cuentas a pagar, proveedores, pedidos de compra, liquidaciones y dimensiones de gasto. La conexión funciona en modo de solo lectura por diseño, así que no permite crear ni modificar registros en Spendesk. Entre los ejemplos de consulta se incluyen el saldo y los fondos disponibles, las facturas vencidas, el gasto por departamento, el estado de pagos, el seguimiento de facturas, las comparaciones presupuestarias y el análisis de proveedores, todo desde una interfaz conversacional conectada a los datos disponibles de Spendesk.",{"_uid":2904,"title":2905,"component":1198,"description":2906},"a00f035d-de36-44c6-94b3-e40d99fd1f7d","¿Qué herramientas financieras son compatibles con la integración MCP?",{"type":117,"content":2907},[2908],{"type":120,"attrs":2909,"content":2910},{"textAlign":27},[2911],{"text":2912,"type":126},"La adopción todavía está en sus primeras etapas y la disponibilidad varía según el proveedor y el producto. Stripe, Digits y Microsoft Dynamics 365 Finance and Operations cuentan con servidores MCP o compatibilidad con MCP. La mayoría de los proveedores de software contable todavía están desarrollando sus propuestas en este ámbito.",{"_uid":2914,"title":2915,"component":1198,"description":2916},"1e0fe315-2c81-4d31-b142-d6fe4ba1093e","¿En qué se diferencia la IA agéntica de la automatización tradicional en finanzas?",{"type":117,"content":2917},[2918],{"type":120,"attrs":2919,"content":2920},{"textAlign":27},[2921],{"text":2922,"type":126},"La automatización tradicional sigue guiones fijos que pueden romperse cuando aparece una excepción. La IA agéntica razona sobre el contexto y puede, según el modelo, los datos y la configuración, reconocer que dos proveedores con nombres distintos son el mismo o detectar patrones que merecen una revisión. La diferencia clave no está únicamente en la velocidad o la escala. También está en la capacidad potencial de gestionar casos grises que los sistemas basados en reglas no pueden manejar. Gartner predice que el 33 % del software empresarial incluirá IA agéntica en 2028, frente a menos del 1 % en 2024, lo que da una idea de la velocidad a la que avanza este cambio. El grado de control depende de las herramientas y los permisos configurados. En Spendesk MCP, el acceso es de solo lectura: el agente muestra la información y tú tomas la decisión.",{"_uid":2924,"title":2925,"component":1198,"description":2926},"4d2a4c3c-a962-4306-a73b-fe3971bef936","¿Qué herramientas de gestión del gasto son compatibles con agentes de IA y MCP?",{"type":117,"content":2927},[2928],{"type":120,"attrs":2929,"content":2930},{"textAlign":27},[2931],{"text":2932,"type":126},"Las plataformas que centralizan todo el gasto en un único lugar, como facturas, gastos, tarjetas corporativas y pedidos de compra, suelen estar mejor posicionadas para integrarse con MCP. El MCP de Spendesk se conecta con Claude, ChatGPT y Dust, y da al equipo acceso conversacional a datos de gasto, cuentas a pagar, proveedores y pedidos de compra sin tener que exportar datos para cada consulta. Spendesk también se integra con Xero, Sage, QuickBooks y NetSuite, lo que puede ampliar el contexto disponible para el análisis financiero conectado.",[2934],{"cta":2935,"_uid":2936,"title":2937,"eyebrow":2944,"subtitle":2949,"component":208,"textAlign":24,"flexibleSection":2954,"sectionSettings":2955,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"1b63089f-6f1f-46e1-8c39-18615710e2b0",{"type":117,"content":2938},[2939],{"type":208,"attrs":2940,"content":2941},{"level":210,"textAlign":27},[2942],{"text":2943,"type":126},"Preguntas 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Cuando varias personas gastan con tarjeta y llegan facturas cada semana, úsala como plan y haz el seguimiento con una herramienta conectada a los pagos.",{"_uid":3039,"hide":30,"title":3040,"component":1198,"description":3041},"23bb4593-0fbf-4a60-a723-37056dc5bd89","¿Cómo comparar el gasto real con el presupuesto previsto?",{"type":117,"attrs":3042,"content":3043},{"backgroundColor":27},[3044],{"type":120,"attrs":3045,"content":3046},{"textAlign":27},[3047],{"text":3048,"type":126},"Asigna cada pago a una partida con sus cuatro etiquetas y revisa la diferencia una vez por semana. Así detectas las desviaciones cuando aún puedes mover dinero entre partidas.",{"_uid":3050,"hide":30,"title":3051,"component":1198,"description":3052},"992cb062-7826-4016-bbf9-c281e4273f65","¿Cómo controlar las suscripciones de software de marketing?",{"type":117,"attrs":3053,"content":3054},{"backgroundColor":27},[3055],{"type":120,"attrs":3056,"content":3057},{"textAlign":27},[3058],{"text":3059,"type":126},"Paga cada herramienta con su propia tarjeta virtual y un responsable asignado. Revisa cada mes las renovaciones de los 30 días siguientes y cancela las licencias de quien ya no las usa.",{"_uid":3061,"hide":30,"title":3062,"component":1198,"description":3063},"3bcecb71-7f98-4fb9-ae2a-676a44cae61e","¿Qué debe buscar en un software de presupuesto de marketing?",{"type":117,"attrs":3064,"content":3065},{"backgroundColor":27},[3066],{"type":120,"attrs":3067,"content":3068},{"textAlign":27},[3069],{"text":3070,"type":126},"Que conecte cada pago con su partida en tiempo real y muestre el saldo disponible dentro del flujo de aprobación. Debe cubrir los tres tipos de gasto, tarjetas, facturas y suscripciones, guardar el historial de aprobaciones y exportar a tu contabilidad sin trabajo manual.",[3072],{"cta":3073,"_uid":3074,"title":3075,"layout":24,"eyebrow":3082,"subtitle":3085,"component":208,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3088,"sectionSettings":3089,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"0abdfc20-6dc4-4dde-a291-5cecd361ac8d",{"type":117,"attrs":3076,"content":3077},{"backgroundColor":27},[3078],{"type":208,"attrs":3079,"content":3080},{"level":210,"textAlign":27},[3081],{"text":1251,"type":126},{"type":117,"content":3083},[3084],{"type":120},{"type":117,"content":3086},[3087],{"type":120},[],[],[],"herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting","es/blog/herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting",-4050,[],"d0aac8dd-e1d8-4734-b4d2-48b6d00ac24f","2026-10-30T15:51:30.988Z",[],"blog/herramientas-para-gestionar-el-presupuesto-de-marketing-planificacion-gasto-y-reporting",[3100,3101,3102],{"path":3098,"name":27,"lang":39,"published":27},{"path":3098,"name":27,"lang":41,"published":27},{"path":3098,"name":27,"lang":34,"published":27},{"name":3104,"created_at":3105,"published_at":3106,"updated_at":3107,"id":3108,"uuid":3109,"content":3110,"slug":3227,"full_slug":3228,"sort_by_date":27,"position":3229,"tag_list":3230,"is_startpage":30,"parent_id":1266,"meta_data":27,"group_id":3231,"first_published_at":3232,"release_id":27,"lang":34,"path":27,"alternates":3233,"default_full_slug":3234,"translated_slugs":3235},"Automatización del onboarding de proveedores: cómo reducir costes y errores","2026-10-29T14:44:09.452Z","2026-10-30T10:38:55.972Z","2026-10-30T10:38:56.003Z",235910960987428,"23b679b6-5593-4cec-83fe-129c1b9c9ad8",{"_uid":3111,"title":3104,"topics":3112,"noIndex":30,"category":3131,"language":3140,"readTime":24,"component":1160,"heroMedia":3141,"publishedAt":1175,"redirectUrl":24,"leadwallForm":3142,"listingImage":3143,"leadwallTitle":24,"metaDescription":3151,"bottomArticleCta":3152,"leadwallSubtitle":24,"isLeadwallEnabled":30,"componentsAfterTheArticle":3153,"leadwallVisibleParagraphs":24},"1ed68d25-7530-42ee-ab1c-b0db8eb14ec7",[3113],{"name":3114,"created_at":3115,"published_at":3116,"updated_at":3117,"id":3118,"uuid":3119,"content":3120,"slug":3121,"full_slug":3122,"sort_by_date":27,"position":2989,"tag_list":3123,"is_startpage":30,"parent_id":162,"meta_data":27,"group_id":3124,"first_published_at":2992,"release_id":27,"lang":34,"path":27,"alternates":3125,"default_full_slug":3126,"translated_slugs":3127,"_stopResolving":43},"Equipos financieros","2023-04-12T07:17:50.759Z","2026-09-29T09:14:28.236Z","2026-09-29T09:14:28.249Z",290528746,"0d21d83f-545d-4f60-acc8-ab3b9c5b94e6",{"_uid":2986,"name":3114,"component":23},"equipos-financieros","es/blog/topic/equipos-financieros",[],"37251365-a886-4869-8f3b-1976331cbcf4",[],"blog/topic/equipos-financieros",[3128,3129,3130],{"path":3126,"name":27,"lang":39,"published":27},{"path":3126,"name":27,"lang":41,"published":27},{"path":3126,"name":27,"lang":34,"published":27},{"name":1148,"created_at":1149,"published_at":16,"updated_at":1150,"id":1151,"uuid":1152,"content":3132,"slug":1160,"full_slug":1161,"sort_by_date":27,"position":54,"tag_list":3134,"is_startpage":30,"parent_id":1163,"meta_data":27,"group_id":1164,"first_published_at":1165,"release_id":27,"lang":34,"path":27,"alternates":3135,"default_full_slug":1167,"translated_slugs":3136,"_stopResolving":43},{"_uid":1154,"icon":3133,"name":1148,"component":1159},{"id":1156,"alt":1157,"name":24,"focus":24,"title":24,"filename":1158,"copyright":24,"fieldtype":105,"is_external_url":30},[],[],[3137,3138,3139],{"path":1167,"name":27,"lang":39,"published":27},{"path":1167,"name":27,"lang":41,"published":27},{"path":1167,"name":27,"lang":34,"published":27},[34],[],[],[3144],{"_uid":3145,"link":3146,"asset":3147,"caption":24,"component":1187},"a679ea6f-3187-4525-ba34-6194297b7415",{"id":24,"url":24,"linktype":1181,"fieldtype":109,"cached_url":1182,"prep":43},{"id":3148,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3149,"copyright":24,"fieldtype":105,"meta_data":3150,"is_external_url":30},235911367140652,"https://a.storyblok.com/f/146026/1248x832/421c7748b1/supplier-onboarding-flow.png",{},"Automatiza el onboarding de proveedores para reducir costes y errores. Descubre qué tareas automatizar, qué controles aplicar y cómo medir el ahorro.\n",[],[3154],{"cta":3155,"_uid":3156,"items":3157,"heading":3207,"reverse":30,"component":1260,"sectionSettings":3226},[],"cfcc9fa2-a4a9-4364-8c53-dceac04b34b0",[3158,3169,3180,3191],{"_uid":3159,"hide":30,"title":3160,"component":1198,"description":3161},"4eb0026d-6af1-48a8-b617-971039f56d31","¿Hay que pedir el certificado de estar al corriente a todos los proveedores?",{"type":117,"attrs":3162,"content":3163},{"backgroundColor":27},[3164],{"type":120,"attrs":3165,"content":3166},{"textAlign":27},[3167],{"text":3168,"type":126},"No es un requisito general para todos los proveedores. La necesidad de solicitarlo depende del tipo de contrata o subcontrata, de si corresponde a la actividad económica principal y de las obligaciones previstas en la normativa. En los supuestos aplicables, el certificado específico de la AEAT puede evitar la responsabilidad subsidiaria si se cumplen todas las condiciones legales y se ha emitido dentro de los 12 meses anteriores al pago de la factura. Valida el caso concreto con asesoramiento jurídico.",{"_uid":3170,"hide":30,"title":3171,"component":1198,"description":3172},"4776b4c4-219f-42cf-a323-30db1b235f55","¿Qué hacer con las compras urgentes que se saltan el circuito?",{"type":117,"attrs":3173,"content":3174},{"backgroundColor":27},[3175],{"type":120,"attrs":3176,"content":3177},{"textAlign":27},[3178],{"text":3179,"type":126},"Dales un itinerario ligero, como un umbral de 300 € pagado con tarjeta de empresa y justificado después. Si el proveedor se repite más de dos veces, debe pasar por el alta completa.",{"_uid":3181,"hide":30,"title":3182,"component":1198,"description":3183},"482ead76-ce6d-48fb-85d8-66b354ab5fbb","¿Cuánto tarda el onboarding de proveedores?",{"type":117,"attrs":3184,"content":3185},{"backgroundColor":27},[3186],{"type":120,"attrs":3187,"content":3188},{"textAlign":27},[3189],{"text":3190,"type":126},"No existe una cifra de referencia verificada, así que mide tu propio tiempo medio por nivel de riesgo. En proveedores críticos, cuenta con que, según la Resolución 2/2004, la AEAT emite o deniega el certificado de estar al corriente en tres días.",{"_uid":3192,"hide":30,"title":3193,"component":1198,"description":3194},"e86a04a4-bbaa-4041-b936-9d53e0276ac8","¿Qué documentos se piden a un nuevo proveedor?",{"type":117,"attrs":3195,"content":3196},{"backgroundColor":27},[3197,3202],{"type":120,"attrs":3198,"content":3199},{"textAlign":27},[3200],{"text":3201,"type":126},"Como base, puedes solicitar el NIF, el IBAN y el contacto de facturación. Si el proveedor opera en la Unión Europea, comprueba si necesitas validar su número de IVA en VIES según la operación y el procedimiento de tu empresa.",{"type":120,"attrs":3203,"content":3204},{"textAlign":27},[3205],{"text":3206,"type":126},"Para contratas y subcontratas, la documentación adicional depende de la actividad, del contrato y de las obligaciones legales aplicables. Puede incluir certificados de la TGSS o de la AEAT, documentación preventiva, seguros y otros documentos. Confirma qué certificado corresponde, quién debe solicitarlo y durante cuánto tiempo es válido antes de convertirlo en un requisito del proceso.",[3208],{"cta":3209,"_uid":3210,"title":3211,"layout":24,"eyebrow":3218,"subtitle":3221,"component":208,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3224,"sectionSettings":3225,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"1045b02a-07c4-40a8-98b9-f7281777a200",{"type":117,"attrs":3212,"content":3213},{"backgroundColor":27},[3214],{"type":208,"attrs":3215,"content":3216},{"level":210,"textAlign":27},[3217],{"text":1251,"type":126},{"type":117,"content":3219},[3220],{"type":120},{"type":117,"content":3222},[3223],{"type":120},[],[],[],"automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores","es/blog/automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores",-4010,[],"0c5dfbfc-5add-437b-b160-7bb180f3bedd","2026-10-29T14:51:13.649Z",[],"blog/automatizacion-del-onboarding-de-proveedores-como-reducir-costes-y-errores",[3236,3237,3238],{"path":3234,"name":27,"lang":39,"published":27},{"path":3234,"name":27,"lang":41,"published":27},{"path":3234,"name":27,"lang":34,"published":27},{"name":3240,"created_at":3241,"published_at":3242,"updated_at":3243,"id":3244,"uuid":3245,"content":3246,"slug":3395,"full_slug":3396,"sort_by_date":27,"position":3397,"tag_list":3398,"is_startpage":30,"parent_id":1266,"meta_data":27,"group_id":3399,"first_published_at":3400,"release_id":27,"lang":34,"path":27,"alternates":3401,"default_full_slug":3402,"translated_slugs":3403}," Cómo evitar pérdidas por cambio de divisa en los gastos de empleados en el extranjero","2026-10-28T11:45:15.093Z","2026-10-30T10:39:11.320Z","2026-10-30T10:39:11.349Z",235513098662119,"3395447c-6f70-4fbf-9e39-20a361ff22f2",{"_uid":3247,"title":3248,"topics":3249,"noIndex":30,"category":3268,"language":3277,"readTime":24,"component":1160,"heroMedia":3278,"publishedAt":3279,"redirectUrl":24,"leadwallForm":3280,"listingImage":3281,"leadwallTitle":24,"metaDescription":3289,"bottomArticleCta":3290,"leadwallSubtitle":24,"isLeadwallEnabled":30,"componentsAfterTheArticle":3291,"leadwallVisibleParagraphs":24},"86f91919-577e-44b2-b7e4-86534a2b3e04","Cómo evitar pérdidas por cambio de divisa en los gastos de empleados en el extranjero",[3250],{"name":3251,"created_at":3252,"published_at":3253,"updated_at":3254,"id":3255,"uuid":3256,"content":3257,"slug":3258,"full_slug":3259,"sort_by_date":27,"position":2989,"tag_list":3260,"is_startpage":30,"parent_id":162,"meta_data":27,"group_id":3261,"first_published_at":2992,"release_id":27,"lang":34,"path":27,"alternates":3262,"default_full_slug":3263,"translated_slugs":3264,"_stopResolving":43},"Gastos de 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00:00",[],[3282],{"_uid":3283,"link":3284,"asset":3285,"caption":24,"component":1187},"4c670ac3-3d3e-4b40-884e-e2028c3d4aab",{"id":24,"url":24,"linktype":1181,"fieldtype":109,"cached_url":1182,"prep":43},{"id":3286,"alt":24,"name":24,"focus":24,"title":24,"source":24,"filename":3287,"copyright":24,"fieldtype":105,"meta_data":3288,"is_external_url":30},235554715685392,"https://a.storyblok.com/f/146026/1536x1024/f5fdc7aa31/foreign-exchange-expenses-turquoise.png",{},"Descubre cómo controlar los gastos en divisa de tus empleados, evitar pérdidas por tipo de cambio y gestionar reembolsos, DCC e IVA extranjero.",[],[3292],{"cta":3293,"_uid":3294,"items":3295,"heading":3373,"reverse":30,"component":1260,"sectionSettings":3394},[],"c14f5db0-c20f-41df-8d8a-2182e4457234",[3296,3307,3318,3329,3340,3351,3362],{"_uid":3297,"hide":30,"title":3298,"component":1198,"description":3299},"ef46538a-2959-4c20-abcb-cce3753e3738","¿Cómo medir el coste real de cambio?",{"type":117,"attrs":3300,"content":3301},{"backgroundColor":27},[3302],{"type":120,"attrs":3303,"content":3304},{"textAlign":27},[3305],{"text":3306,"type":126},"Compara el cargo en euros con el importe convertido al tipo del BCE de la fecha de la transacción, por ejemplo 176,40 € frente a 166,67 €. Suma las comisiones explícitas y el saldo de las cuentas 668 y 768. Reporta el total cada mes por divisa, equipo y viaje.",{"_uid":3308,"hide":30,"title":3309,"component":1198,"description":3310},"7640b785-8028-4917-8a81-a83ab5f102e8","¿Qué es la conversión dinámica de divisa?",{"type":117,"attrs":3311,"content":3312},{"backgroundColor":27},[3313],{"type":120,"attrs":3314,"content":3315},{"textAlign":27},[3316],{"text":3317,"type":126},"La DCC es la conversión a euros que hace el propio terminal, cajero o web, con un tipo y un recargo que fija el comercio. En una cena de 180 USD, aceptarla supuso casi 10 € más que al tipo del BCE, así que la regla es «paga siempre en moneda local».",{"_uid":3319,"hide":30,"title":3320,"component":1198,"description":3321},"c0b11e4b-e1d0-4352-9ca9-d3850b7e77b6","¿Las dietas en el extranjero tributan en IRPF?",{"type":117,"attrs":3322,"content":3323},{"backgroundColor":27},[3324],{"type":120,"attrs":3325,"content":3326},{"textAlign":27},[3327],{"text":3328,"type":126},"Según el artículo 9 del Reglamento del IRPF, están exentas hasta 91,35 € al día con pernocta y 48,08 € sin pernocta. Por encima de esos límites, el exceso deja de estar exento.",{"_uid":3330,"hide":30,"title":3331,"component":1198,"description":3332},"04ca7a44-d2c1-4c8d-aae0-bfee99addafd","¿Cuánto tiempo hay que conservar los justificantes de gastos en el extranjero?",{"type":117,"attrs":3333,"content":3334},{"backgroundColor":27},[3335],{"type":120,"attrs":3336,"content":3337},{"textAlign":27},[3338],{"text":3339,"type":126},"El plazo fiscal es de cuatro años y el Código de Comercio exige seis, así que la referencia práctica son seis años.",{"_uid":3341,"hide":30,"title":3342,"component":1198,"description":3343},"c6f7008c-e582-4aad-b923-47955007f304","¿Puedo usar un tipo de cambio medio mensual?",{"type":117,"attrs":3344,"content":3345},{"backgroundColor":27},[3346],{"type":120,"attrs":3347,"content":3348},{"textAlign":27},[3349],{"text":3350,"type":126},"Sí, la NRV 11ª del PGC admite un tipo medio para varias operaciones en la misma divisa si el periodo no supera un mes. La excepción es que el tipo haya sufrido variaciones significativas. Un tipo medio trimestral no cumple el límite del mes.",{"_uid":3352,"hide":30,"title":3353,"component":1198,"description":3354},"49ee6266-e8f9-44e5-9703-db8ae230247c","¿Quién asume la diferencia de cambio en un reembolso de gastos?",{"type":117,"attrs":3355,"content":3356},{"backgroundColor":27},[3357],{"type":120,"attrs":3358,"content":3359},{"textAlign":27},[3360],{"text":3361,"type":126},"Lo más defendible es que la asuma la empresa y lo diga la política. Se contabiliza en la cuenta 668 si es negativa o en la 768 si es positiva.",{"_uid":3363,"hide":30,"title":3364,"component":1198,"description":3365},"9a1e8a8b-1c51-4614-92db-86e22347a53d","¿Cuál es el plazo para recuperar el IVA pagado en otro país de la UE?",{"type":117,"attrs":3366,"content":3367},{"backgroundColor":27},[3368],{"type":120,"attrs":3369,"content":3370},{"textAlign":27},[3371],{"text":3372,"type":126},"El Modelo 360 se presenta ante la AEAT hasta el 30 de septiembre del año siguiente al gasto. El IVA soportado en 2026 se puede solicitar hasta el 30 de septiembre de 2027.",[3374],{"cta":3375,"_uid":3376,"title":3377,"layout":24,"eyebrow":3384,"subtitle":3389,"component":208,"textAlign":24,"eyebrowPill":30,"checkmarkList":30,"flexibleSection":3392,"sectionSettings":3393,"displaySeparator":30,"breakLineOnMobile":30,"subtitleLeftBorder":30,"customTitleFontSize":24},[],"19cfa6f2-c385-4b59-ad18-788251327092",{"type":117,"attrs":3378,"content":3379},{"backgroundColor":27},[3380],{"type":208,"attrs":3381,"content":3382},{"level":210,"textAlign":27},[3383],{"text":1251,"type":126},{"type":117,"attrs":3385,"content":3386},{"backgroundColor":27},[3387],{"type":120,"attrs":3388},{"textAlign":27},{"type":117,"content":3390},[3391],{"type":120},[],[],[],"como-evitar-perdidas-por-cambio-de-divisa-en-los-gastos-de-empleados-en-el-extranjero","es/blog/como-evitar-perdidas-por-cambio-de-divisa-en-los-gastos-de-empleados-en-el-extranjero",-3990,[],"68c63bc7-a689-4084-9a6d-11aa7bf7bd94","2026-10-28T15:39:41.551Z",[],"blog/como-evitar-perdidas-por-cambio-de-divisa-en-los-gastos-de-empleados-en-el-extranjero",[3404,3405,3406],{"path":3402,"name":27,"lang":39,"published":27},{"path":3402,"name":27,"lang":41,"published":27},{"path":3402,"name":27,"lang":34,"published":27},1793980971955]