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Cuando tu empresa paga a un",{"text":213,"type":125,"marks":214}," proveedor extranjero",[215],{"type":216,"attrs":217},"link",{"href":218,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.spendesk.com/es/blog/cuentas-por-pagar/","_blank",{"text":221,"type":125}," por un servicio vinculado a España, ese pago puede constituir una renta sujeta al IRNR. En estos casos, la ley atribuye la obligación de retener a quien paga, no a quien cobra.",{"type":119,"attrs":223,"content":225},{"textAlign":25,"key":224},"p-2",[226,228,234,236,242],{"text":227,"type":125},"El",{"text":229,"type":125,"marks":230}," artículo 31 de la Ley del Impuesto sobre la Renta de no Residentes",[231],{"type":216,"attrs":232},{"href":233,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-2004-4527",{"text":235,"type":125}," (Real Decreto Legislativo 5/2004), desarrollado por el reglamento aprobado mediante el Real Decreto 1776/2004, obliga a retener a las entidades residentes en España y a las personas físicas residentes que desarrollen actividades económicas.",{"text":237,"type":125,"marks":238}," Según la AEAT",[239],{"type":216,"attrs":240},{"href":241,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/manual-tributacion-no-residentes/capitulo-04-retenciones-sobre-rentas-permanente/obligados-retener.html",{"text":243,"type":125},", esto convierte a tu empresa en retenedora: debe calcular la retención, restarla del pago e ingresarla en Hacienda.",{"type":119,"attrs":245,"content":247},{"textAlign":25,"key":246},"p-3",[248,250,256],{"text":249,"type":125},"Existe una excepción que la",{"text":251,"type":125,"marks":252}," propia AEAT recoge",[253],{"type":216,"attrs":254},{"href":255,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/guia-practica-cumplimentacion-modelo-censal-036/capitulo-09-retenciones-ingresos-cuenta/consideraciones-previas/obligados-retener-ingresar-cuenta.html",{"text":257,"type":125},": la simple mediación de pago, es decir, abonar un importe por cuenta y orden de un tercero, no se considera satisfacción de la renta y no genera obligación de retener.",{"type":119,"attrs":259,"content":261},{"textAlign":25,"key":260},"p-4",[262],{"text":263,"type":125},"Pensemos en un caso frecuente. Tu equipo va a pagar a un desarrollador freelance establecido en Lisboa y, al revisar la factura, descubre que ese pago activa una obligación de retención en España que nadie había previsto en el presupuesto del proyecto.",{"type":200,"attrs":265,"content":266},{"level":202,"textAlign":25},[267],{"text":268,"type":125},"El Modelo 210 para no residentes frente a los Modelos 216 y 296",{"type":119,"attrs":270,"content":272},{"textAlign":25,"key":271},"p-5",[273,275,281],{"text":274,"type":125},"El error más común es pensar que tu empresa debe presentar el Modelo 210. No es así. El",{"text":276,"type":125,"marks":277}," Modelo 210",[278],{"type":216,"attrs":279},{"href":280,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/GF00.shtml",{"text":282,"type":125}," es la autoliquidación del propio no residente, o de su representante, mediante la que declara la renta obtenida en España. Cuando se habla del Modelo 210 para no residentes, se hace referencia a la declaración que corresponde al proveedor, no a tu empresa.",{"type":119,"attrs":284,"content":286},{"textAlign":25,"key":285},"p-6",[287,289,295],{"text":288,"type":125},"Para el pagador, el formulario es otro. El",{"text":290,"type":125,"marks":291}," Modelo 216",[292],{"type":216,"attrs":293},{"href":294,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/retenciones-irnr-sin-establecimiento-permanente/modelo-216.html",{"text":296,"type":125}," es la declaración periódica mediante la que la empresa ingresa en la AEAT las retenciones practicadas. El Modelo 296 es el resumen anual informativo en el que se relacionan todos los perceptores y las cantidades retenidas durante el ejercicio.",{"type":119,"attrs":298,"content":300},{"textAlign":25,"key":299},"p-7",[301],{"text":302,"type":125},"Estos formularios se confunden a menudo en búsquedas como «IRNR Modelo 210» o «Modelo 210 IRNR», pero cumplen funciones distintas: el Modelo 216 y el Modelo 296 corresponden al pagador, mientras que el Modelo 210 corresponde al perceptor. Cuando la empresa retiene correctamente, el no residente, por lo general, no tiene que presentar el Modelo 210 por esa renta, porque el impuesto ya se ha ingresado mediante la retención.",{"type":119,"attrs":304,"content":306},{"textAlign":25,"key":305},"p-8",[307],{"text":308,"type":125},"Para tu empresa como pagadora, el Modelo 210 solo entra en juego para solicitar una devolución. Si has retenido de más, por ejemplo, al aplicar el tipo interno antes de que el proveedor aportara su certificado de residencia, ese exceso se recupera a través del Modelo 210.",{"type":119,"attrs":310,"content":312},{"textAlign":25,"key":311},"p-9",[313],{"text":314,"type":125},"Es el caso de una contable que está a punto de presentar un Modelo 210 a nombre de su empresa por los honorarios de una agencia extranjera, hasta que confirma que el formulario para ingresar la retención es el Modelo 216.",{"type":200,"attrs":316,"content":317},{"level":202,"textAlign":25},[318],{"text":319,"type":125},"Pagos a proveedores no residentes sujetos a retención",{"type":119,"attrs":321,"content":322},{"textAlign":25,"key":121},[323],{"text":324,"type":125},"No todos los pagos a un proveedor extranjero están sujetos a retención. La clave está en el criterio de territorialidad: la renta debe considerarse obtenida en España. Estos son los pagos que con más frecuencia entran en el perímetro de retención de una empresa:",{"type":326,"content":327},"bullet_list",[328,336,343,350],{"type":329,"content":330},"list_item",[331],{"type":119,"attrs":332,"content":333},{"textAlign":25,"key":208},[334],{"text":335,"type":125},"Servicios profesionales y técnicos vinculados a actividades desarrolladas en España.",{"type":329,"content":337},[338],{"type":119,"attrs":339,"content":340},{"textAlign":25,"key":224},[341],{"text":342,"type":125},"Cánones por licencias de software, propiedad intelectual o industrial y know-how.",{"type":329,"content":344},[345],{"type":119,"attrs":346,"content":347},{"textAlign":25,"key":246},[348],{"text":349,"type":125},"Intereses de préstamos y otros rendimientos del capital.",{"type":329,"content":351},[352],{"type":119,"attrs":353,"content":354},{"textAlign":25,"key":260},[355],{"text":356,"type":125},"Dividendos distribuidos a un socio no residente.",{"type":119,"attrs":358,"content":359},{"textAlign":25,"key":271},[360,362,368],{"text":361,"type":125},"La distinción no siempre es evidente. Una factura puntual de consultoría estratégica encargada para un proyecto en España es un servicio profesional. En cambio, la cuota recurrente de una licencia SaaS puede calificarse como canon y estar sujeta a reglas propias. La calificación determina el tipo aplicable y las posibles exenciones, por lo que conviene resolverla antes de pagar, dentro de tu",{"text":363,"type":125,"marks":364}," proceso de tramitación de facturas de proveedores",[365],{"type":216,"attrs":366},{"href":367,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.spendesk.com/es/blog/facturas-proveedores/",{"text":369,"type":125},".",{"type":119,"attrs":371,"content":372},{"textAlign":25,"key":285},[373],{"text":374,"type":125},"La regla general es sencilla: si la renta se obtiene en España y no existe ninguna exención aplicable, hay que practicar la retención.",{"type":200,"attrs":376,"content":377},{"level":202,"textAlign":25},[378],{"text":379,"type":125},"Tipos de retención y convenios de doble imposición",{"type":119,"attrs":381,"content":382},{"textAlign":25,"key":299},[383,385,391],{"text":384,"type":125},"El tipo de retención depende del tipo de renta y del país de residencia del proveedor. Antes de aplicar cualquier convenio, estos son los",{"text":386,"type":125,"marks":387}," tipos internos vigentes según la AEAT",[388],{"type":216,"attrs":389},{"href":390,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/tipos-gravamen-irnr-sin-establecimiento-permanente.html",{"text":392,"type":125},", actualizados en junio de 2025:",{"type":394,"content":395},"table",[396,433,463,490,517,544],{"type":397,"content":398},"tableRow",[399,412,422],{"type":400,"attrs":401,"content":403},"tableHeader",{"colspan":402,"rowspan":402,"colwidth":25},1,[404],{"type":119,"attrs":405,"content":406},{"textAlign":25,"key":305},[407],{"text":408,"type":125,"marks":409},"Tipo de renta",[410],{"type":411},"bold",{"type":400,"attrs":413,"content":414},{"colspan":402,"rowspan":402,"colwidth":25},[415],{"type":119,"attrs":416,"content":417},{"textAlign":25,"key":311},[418],{"text":419,"type":125,"marks":420},"Residentes en la UE, Islandia o Noruega",[421],{"type":411},{"type":400,"attrs":423,"content":424},{"colspan":402,"rowspan":402,"colwidth":25},[425],{"type":119,"attrs":426,"content":428},{"textAlign":25,"key":427},"p-10",[429],{"text":430,"type":125,"marks":431},"Resto de contribuyentes, incluido Liechtenstein",[432],{"type":411},{"type":397,"content":434},[435,445,454],{"type":436,"attrs":437,"content":438},"tableCell",{"colspan":402,"rowspan":402,"colwidth":25},[439],{"type":119,"attrs":440,"content":442},{"textAlign":25,"key":441},"p-11",[443],{"text":444,"type":125},"Tipo general",{"type":436,"attrs":446,"content":447},{"colspan":402,"rowspan":402,"colwidth":25},[448],{"type":119,"attrs":449,"content":451},{"textAlign":25,"key":450},"p-12",[452],{"text":453,"type":125},"19 %",{"type":436,"attrs":455,"content":456},{"colspan":402,"rowspan":402,"colwidth":25},[457],{"type":119,"attrs":458,"content":460},{"textAlign":25,"key":459},"p-13",[461],{"text":462,"type":125},"24 %",{"type":397,"content":464},[465,474,482],{"type":436,"attrs":466,"content":467},{"colspan":402,"rowspan":402,"colwidth":25},[468],{"type":119,"attrs":469,"content":471},{"textAlign":25,"key":470},"p-14",[472],{"text":473,"type":125},"Servicios profesionales, tipo general",{"type":436,"attrs":475,"content":476},{"colspan":402,"rowspan":402,"colwidth":25},[477],{"type":119,"attrs":478,"content":480},{"textAlign":25,"key":479},"p-15",[481],{"text":453,"type":125},{"type":436,"attrs":483,"content":484},{"colspan":402,"rowspan":402,"colwidth":25},[485],{"type":119,"attrs":486,"content":488},{"textAlign":25,"key":487},"p-16",[489],{"text":462,"type":125},{"type":397,"content":491},[492,501,509],{"type":436,"attrs":493,"content":494},{"colspan":402,"rowspan":402,"colwidth":25},[495],{"type":119,"attrs":496,"content":498},{"textAlign":25,"key":497},"p-17",[499],{"text":500,"type":125},"Cánones",{"type":436,"attrs":502,"content":503},{"colspan":402,"rowspan":402,"colwidth":25},[504],{"type":119,"attrs":505,"content":507},{"textAlign":25,"key":506},"p-18",[508],{"text":453,"type":125},{"type":436,"attrs":510,"content":511},{"colspan":402,"rowspan":402,"colwidth":25},[512],{"type":119,"attrs":513,"content":515},{"textAlign":25,"key":514},"p-19",[516],{"text":462,"type":125},{"type":397,"content":518},[519,528,536],{"type":436,"attrs":520,"content":521},{"colspan":402,"rowspan":402,"colwidth":25},[522],{"type":119,"attrs":523,"content":525},{"textAlign":25,"key":524},"p-20",[526],{"text":527,"type":125},"Dividendos",{"type":436,"attrs":529,"content":530},{"colspan":402,"rowspan":402,"colwidth":25},[531],{"type":119,"attrs":532,"content":534},{"textAlign":25,"key":533},"p-21",[535],{"text":453,"type":125},{"type":436,"attrs":537,"content":538},{"colspan":402,"rowspan":402,"colwidth":25},[539],{"type":119,"attrs":540,"content":542},{"textAlign":25,"key":541},"p-22",[543],{"text":453,"type":125},{"type":397,"content":545},[546,555,563],{"type":436,"attrs":547,"content":548},{"colspan":402,"rowspan":402,"colwidth":25},[549],{"type":119,"attrs":550,"content":552},{"textAlign":25,"key":551},"p-23",[553],{"text":554,"type":125},"Intereses",{"type":436,"attrs":556,"content":557},{"colspan":402,"rowspan":402,"colwidth":25},[558],{"type":119,"attrs":559,"content":561},{"textAlign":25,"key":560},"p-24",[562],{"text":453,"type":125},{"type":436,"attrs":564,"content":565},{"colspan":402,"rowspan":402,"colwidth":25},[566],{"type":119,"attrs":567,"content":569},{"textAlign":25,"key":568},"p-25",[570],{"text":453,"type":125},{"type":119,"attrs":572,"content":574},{"textAlign":25,"key":573},"p-26",[575],{"text":576,"type":125},"A los residentes en la UE, Islandia y Noruega se les aplica el 19 %. Al resto de contribuyentes, incluido Liechtenstein desde el 11 de julio de 2021, se les aplica el 24 %. Los servicios profesionales no tienen un tipo específico, sino que siguen el tipo general.",{"type":119,"attrs":578,"content":580},{"textAlign":25,"key":579},"p-27",[581,583,589],{"text":582,"type":125},"Un Convenio de Doble Imposición (CDI) puede reducir estos tipos, y algunas directivas europeas permiten aplicar una",{"text":584,"type":125,"marks":585}," exención",[586],{"type":216,"attrs":587},{"href":588,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/rentas-exentas-irnr-sin-establecimiento-permanente.html",{"text":590,"type":125},". Los cánones entre empresas asociadas de la UE pueden quedar exentos, con un tipo del 0 %, conforme al artículo 14.1.m de la LIRNR y a la Directiva 2003/49/CE. Los dividendos de una filial española a su matriz en la UE o el EEE también pueden quedar exentos, de acuerdo con el artículo 14.1.h de la LIRNR y la Directiva 2011/96/UE. Lo mismo sucede con los intereses satisfechos a residentes en la UE o el EEE, conforme al artículo 14.1.c de la LIRNR. Todas las exenciones están condicionadas, por lo que debes verificarlas caso por caso.",{"type":119,"attrs":592,"content":594},{"textAlign":25,"key":593},"p-28",[595],{"text":596,"type":125},"En la práctica, esto significa aplicar el 24 % a los honorarios de una agencia con sede en Estados Unidos y el 19 % a los de una agencia alemana por el mismo servicio.",{"type":119,"attrs":598,"content":600},{"textAlign":25,"key":599},"p-29",[601,603,609],{"text":602,"type":125},"Cuidado con los pactos en neto. Si acuerdas un importe neto con el proveedor, el",{"text":604,"type":125,"marks":605}," artículo 31.2 de la Ley del Impuesto sobre la Renta de no Residentes",[606],{"type":216,"attrs":607},{"href":608,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/manual-tributacion-no-residentes/capitulo-04-retenciones-sobre-rentas-permanente/importe-retencion.html",{"text":610,"type":125}," exige que la retención equivalga a la deuda tributaria completa. Por eso, la base debe ser el importe íntegro, no el neto. Como consecuencia aritmética de esta regla, un honorario neto de 10.000 € al 24 % eleva la base hasta 13.157,89 €, con una retención de 3.157,89 €. Este resultado no procede de una fórmula específica de la normativa, sino del cálculo aritmético de elevar el importe neto a su base íntegra.",{"type":200,"attrs":612,"content":613},{"level":202,"textAlign":25},[614],{"text":615,"type":125},"Documentos que necesita la empresa para retener e ingresar el IRNR",{"type":200,"attrs":617,"content":619},{"level":618,"textAlign":25},3,[620],{"text":621,"type":125},"Documentación previa al pago",{"type":119,"attrs":623,"content":625},{"textAlign":25,"key":624},"p-30",[626],{"text":627,"type":125},"Retener correctamente exige contar con un expediente por cada pago. Sin la documentación adecuada no puedes aplicar un tipo reducido y, si lo aplicas sin justificarlo y posteriormente se rechaza, la responsabilidad recae sobre ti. Reúne estos documentos antes de pagar:",{"type":326,"content":629},[630,638,646,660],{"type":329,"content":631},[632],{"type":119,"attrs":633,"content":635},{"textAlign":25,"key":634},"p-31",[636],{"text":637,"type":125},"Contrato o pedido que respalde la operación.",{"type":329,"content":639},[640],{"type":119,"attrs":641,"content":643},{"textAlign":25,"key":642},"p-32",[644],{"text":645,"type":125},"Factura del proveedor no residente.",{"type":329,"content":647},[648],{"type":119,"attrs":649,"content":651},{"textAlign":25,"key":650},"p-33",[652,658],{"text":653,"type":125,"marks":654},"Certificado de residencia fiscal",[655],{"type":216,"attrs":656},{"href":657,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/ayuda/manuales-videos-folletos/manuales-practicos/manual-tributacion-no-residentes/capitulo-04-retenciones-sobre-rentas-permanente/documentacion.html",{"text":659,"type":125}," emitido por la autoridad del país del proveedor, en el que conste la residencia «en el sentido del Convenio».",{"type":329,"content":661},[662],{"type":119,"attrs":663,"content":665},{"textAlign":25,"key":664},"p-34",[666],{"text":667,"type":125},"Documentación del CDI aplicable.",{"type":119,"attrs":669,"content":671},{"textAlign":25,"key":670},"p-35",[672],{"text":673,"type":125},"El certificado de residencia fiscal es la pieza clave. Tiene una validez de un año desde su expedición y es indefinido cuando lo emiten Estados extranjeros para sus propios entes públicos. Sin un certificado válido, se aplica el tipo interno. Si vas a aplicar el 19 % en lugar del 24 %, obtén el certificado antes de practicar la retención, no después.",{"type":119,"attrs":675,"content":677},{"textAlign":25,"key":676},"p-36",[678,680,686],{"text":679,"type":125},"Aquí es donde centralizar las",{"text":681,"type":125,"marks":682}," facturas de proveedores y su documentación de soporte",[683],{"type":216,"attrs":684},{"href":685,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.spendesk.com/es/blog/gestion-de-facturas/",{"text":687,"type":125}," marca la diferencia. Con la gestión de facturas y cuentas por pagar de Spendesk, tu equipo adjunta el certificado y el contrato a cada pago e identifica qué facturas están dentro del perímetro del IRNR, en lugar de reconstruir el histórico de pagos al cierre del trimestre.",{"type":200,"attrs":689,"content":690},{"level":618,"textAlign":25},[691],{"text":692,"type":125},"Documentación para el ingreso y la conservación",{"type":119,"attrs":694,"content":696},{"textAlign":25,"key":695},"p-37",[697],{"text":698,"type":125},"Después de practicar la retención, completa el expediente con la documentación que respalda el ingreso ante la AEAT:",{"type":326,"content":700},[701,709],{"type":329,"content":702},[703],{"type":119,"attrs":704,"content":706},{"textAlign":25,"key":705},"p-38",[707],{"text":708,"type":125},"Cálculo de la base y de la retención practicada.",{"type":329,"content":710},[711],{"type":119,"attrs":712,"content":714},{"textAlign":25,"key":713},"p-39",[715],{"text":716,"type":125},"Justificante del ingreso en la AEAT.",{"type":119,"attrs":718,"content":720},{"textAlign":25,"key":719},"p-40",[721,723,729,731,737],{"text":722,"type":125},"En cuanto a la conservación, guarda el expediente durante cuatro años por el",{"text":724,"type":125,"marks":725}," plazo fiscal",[726],{"type":216,"attrs":727},{"href":728,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-2003-23186",{"text":730,"type":125}," y durante seis años por el",{"text":732,"type":125,"marks":733}," Código de Comercio",[734],{"type":216,"attrs":735},{"href":736,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-1885-6627",{"text":369,"type":125},{"type":200,"attrs":739,"content":740},{"level":202,"textAlign":25},[741],{"text":742,"type":125},"Presentación del Modelo 216 y del resumen anual, Modelo 296",{"type":119,"attrs":744,"content":746},{"textAlign":25,"key":745},"p-41",[747],{"text":748,"type":125},"Una vez calculada la retención, la declaración sigue una secuencia clara y completamente electrónica:",{"type":750,"content":751},"ordered_list",[752,760,768,776,792],{"type":329,"content":753},[754],{"type":119,"attrs":755,"content":757},{"textAlign":25,"key":756},"p-42",[758],{"text":759,"type":125},"Identifica las facturas del período que están sujetas a retención.",{"type":329,"content":761},[762],{"type":119,"attrs":763,"content":765},{"textAlign":25,"key":764},"p-43",[766],{"text":767,"type":125},"Determina el tipo aplicable o la exención con la documentación en la mano.",{"type":329,"content":769},[770],{"type":119,"attrs":771,"content":773},{"textAlign":25,"key":772},"p-44",[774],{"text":775,"type":125},"Calcula la base íntegra y la retención correspondiente a cada pago.",{"type":329,"content":777},[778],{"type":119,"attrs":779,"content":781},{"textAlign":25,"key":780},"p-45",[782,784,790],{"text":783,"type":125},"Presenta el",{"text":785,"type":125,"marks":786}," Modelo 216 por vía electrónica",[787],{"type":216,"attrs":788},{"href":789,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/retenciones-irnr-sin-establecimiento-permanente/modelos-declaraciones-retenciones.html",{"text":791,"type":125}," dentro de los primeros 20 días naturales de abril, julio, octubre y enero.",{"type":329,"content":793},[794],{"type":119,"attrs":795,"content":797},{"textAlign":25,"key":796},"p-46",[798],{"text":799,"type":125},"Presenta el Modelo 296 entre el 1 y el 31 de enero, referido al año natural anterior.",{"type":119,"attrs":801,"content":803},{"textAlign":25,"key":802},"p-47",[804,806,812],{"text":805,"type":125},"El Modelo 216 se presenta por trimestres. Las grandes empresas lo declaran mensualmente, dentro de los primeros 20 días del mes siguiente. Hay un detalle que a menudo se pasa por alto: aunque un CDI deje la retención en cero, sigues obligado a presentar un Modelo 216 negativo y a incluir al perceptor en el Modelo 296. Todo encaja mejor si estos plazos ya figuran en tu",{"text":807,"type":125,"marks":808}," calendario del año fiscal",[809],{"type":216,"attrs":810},{"href":811,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.spendesk.com/es/blog/ano-fiscal/",{"text":813,"type":125},". Los importes se declaran en euros y, para realizar la conversión, conviene seguir las indicaciones oficiales de la AEAT.",{"type":119,"attrs":815,"content":817},{"textAlign":25,"key":816},"p-48",[818,820,826],{"text":819,"type":125},"Toda esta secuencia depende de saber, antes de cada período, qué pagos transfronterizos han entrado en el perímetro. Cuando los pagos internacionales a proveedores están centralizados y Spendesk los cursa a través de Wise Platform en más de 30 divisas, tu equipo puede identificar con antelación qué facturas están sujetas a retención. Es justo lo que necesita un responsable de administración que prepara el Modelo 216 del primer trimestre durante los primeros días de abril. Así evita sorpresas de última hora durante el",{"text":821,"type":125,"marks":822}," cierre de mes",[823],{"type":216,"attrs":824},{"href":825,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.spendesk.com/es/blog/cierre-de-mes/",{"text":369,"type":125},{"type":200,"attrs":828,"content":829},{"level":202,"textAlign":25},[830],{"text":831,"type":125},"Errores frecuentes y sanciones al retener el IRNR",{"type":119,"attrs":833,"content":835},{"textAlign":25,"key":834},"p-49",[836],{"text":837,"type":125},"Los fallos más costosos al practicar retenciones del IRNR se pueden evitar. Estos son los que la AEAT detecta con más frecuencia.",{"type":119,"attrs":839,"content":841},{"textAlign":25,"key":840},"p-50",[842,846],{"text":843,"type":125,"marks":844},"Pagar el importe íntegro sin retener.",[845],{"type":411},{"text":847,"type":125}," Si abonas el importe bruto y no ingresas la retención, sigues siendo responsable de esa cantidad, que tendrás que asumir mediante el cálculo sobre el importe íntegro.",{"type":119,"attrs":849,"content":851},{"textAlign":25,"key":850},"p-51",[852,856,858,864],{"text":853,"type":125,"marks":854},"Aplicar un tipo reducido sin un certificado válido.",[855],{"type":411},{"text":857,"type":125}," Si aplicas el 19 % amparándote en un convenio y no puedes acreditar la residencia del proveedor, la AEAT puede regularizar la operación. El",{"text":859,"type":125,"marks":860}," retenedor responde de forma directa",[861],{"type":216,"attrs":862},{"href":863,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/no-residentes/irnr-sin-establecimiento-permanente/representacion-responsabilidad-solidaria-irnr/retenedores-responsabilidad-solidaria.html",{"text":865,"type":125}," como obligado a retener, no como responsable solidario.",{"type":119,"attrs":867,"content":869},{"textAlign":25,"key":868},"p-52",[870,874],{"text":871,"type":125,"marks":872},"Otro error frecuente es confundir el tipo aplicable a residentes en la UE con el de los residentes fuera de la UE, u olvidar la declaración negativa o el Modelo 296.",[873],{"type":411},{"text":875,"type":125}," Estos fallos formales también pueden activar el régimen sancionador.",{"type":119,"attrs":877,"content":879},{"textAlign":25,"key":878},"p-53",[880,882,888],{"text":881,"type":125},"El escenario típico llega meses después: la AEAT revisa una exención por convenio, la rechaza por falta de documentación y reclama a la empresa las cantidades no retenidas, además de los intereses y la sanción correspondiente. 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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":119,"attrs":2502,"content":2503},{"textAlign":25},[2504],{"text":2505,"type":125},"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":119,"attrs":2507,"content":2508},{"textAlign":25},[2509],{"text":2510,"type":125},"Los empleados necesitan herramientas flexibles y fáciles de usar para poder gastar fácilmente y estar capacitados para hacer su trabajo.",{"type":119,"attrs":2512,"content":2513},{"textAlign":25},[2514],{"text":2515,"type":125},"Ahí es donde Spendesk puede ser una buena opción.",{"_uid":2517,"title":2518,"component":949,"description":2519},"f20ef905-76e9-4b90-a0db-1e8c1c5ae03f","¿Cómo funciona Spendesk?",{"type":116,"content":2520},[2521,2526,2538,2543,2553,2558,2563,2568],{"type":119,"attrs":2522,"content":2523},{"textAlign":25},[2524],{"text":2525,"type":125},"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":119,"attrs":2544,"content":2545},{"textAlign":25},[2546,2550,2551],{"text":2547,"type":125,"marks":2548},"Para los equipos financieros",[2549],{"type":411},{"type":2378},{"text":2552,"type":125},"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":119,"attrs":2554,"content":2555},{"textAlign":25},[2556],{"text":2557,"type":125},"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":119,"attrs":2559,"content":2560},{"textAlign":25},[2561],{"text":2562,"type":125},"Cuando se realiza un gasto con una tarjeta Spendesk, el empleado simplemente toma una foto del recibo en el momento de la compra. Esto significa que ya no se pierden los recibos.",{"type":119,"attrs":2564,"content":2565},{"textAlign":25},[2566],{"text":2567,"type":125},"Los equipos financieros pueden ver los gastos de la empresa en tiempo real y hacer un seguimiento de los recibos o facturas que faltan enviando recordatorios a los empleados a través de la plataforma.",{"type":119,"attrs":2569,"content":2570},{"textAlign":25},[2571],{"text":2572,"type":125},"La revisión de los gastos también es más fácil, ya que los equipos financieros pueden agruparlos y asignarles los tipos de IVA y las cuentas de gastos adecuados antes de exportarlos fácilmente a sus herramientas de contabilidad.",[2574],{"cta":2575,"_uid":2576,"title":2577,"eyebrow":2584,"subtitle":2587,"component":200,"textAlign":99,"sectionSettings":2593,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3a4e21f5-9dd8-421d-b801-700d2fd12756",{"type":116,"content":2578},[2579],{"type":200,"attrs":2580,"content":2581},{"level":202},[2582],{"text":2583,"type":125},"Empezar con Spendesk",{"type":116,"content":2585},[2586],{"type":119},{"type":116,"content":2588},[2589],{"type":119,"content":2590},[2591],{"text":2592,"type":125},"Descubre por qué más de 3500 directores financieros, interventores, contables y administradores financieros confían en Spendesk.",[],[],"Otros artículos","Enlaces rápidos",[2598,2736,2915,3055],{"name":2599,"created_at":2600,"published_at":2601,"updated_at":2602,"id":2603,"uuid":2604,"content":2605,"slug":2724,"full_slug":2725,"sort_by_date":25,"position":2726,"tag_list":2727,"is_startpage":28,"parent_id":1025,"meta_data":25,"group_id":2728,"first_published_at":2729,"release_id":25,"lang":32,"path":25,"alternates":2730,"default_full_slug":2731,"translated_slugs":2732},"Pagos SEPA en España: qué debes de cambiar en tus sistemas antes del 15 de noviembre de 2026 para evitar que tus transferencias sean rechazadas","2026-07-01T14:07:18.239Z","2026-11-03T12:15:29.570Z","2026-11-03T12:15:29.594Z",193434575881456,"40937653-1b83-4dc7-a7da-62fb499fd3c1",{"_uid":2606,"title":2599,"topics":2607,"noIndex":28,"category":2616,"language":2625,"component":914,"heroMedia":2626,"metaTitle":2627,"publishedAt":2628,"readingTime":931,"redirectUrl":99,"listingImage":2629,"metaDescription":2636,"bottomArticleCta":2637,"componentsAfterTheArticle":2638},"ac59f39e-27ac-481c-aa50-2ed851463d8e",[2608],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2609,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2610,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2611,"default_full_slug":163,"translated_slugs":2612,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2613,2614,2615],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":902,"created_at":903,"published_at":16,"updated_at":904,"id":905,"uuid":906,"content":2617,"slug":914,"full_slug":915,"sort_by_date":25,"position":52,"tag_list":2619,"is_startpage":28,"parent_id":917,"meta_data":25,"group_id":918,"first_published_at":919,"release_id":25,"lang":32,"path":25,"alternates":2620,"default_full_slug":921,"translated_slugs":2621,"_stopResolving":41},{"_uid":908,"icon":2618,"name":902,"component":913},{"id":910,"alt":911,"name":99,"focus":99,"title":99,"filename":912,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2622,2623,2624],{"path":921,"name":25,"lang":37,"published":25},{"path":921,"name":25,"lang":39,"published":25},{"path":921,"name":25,"lang":32,"published":25},[32],[],"Pagos SEPA en España: qué debes de cambiar en tus sistemas a","2026-07-15 00:00",[2630],{"_uid":2631,"asset":2632,"caption":99,"component":939},"64779803-99b9-4e6d-b637-dbde94fb0ee4",{"id":2633,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2634,"copyright":99,"fieldtype":104,"meta_data":2635,"is_external_url":28},198319305373653,"https://a.storyblok.com/f/146026/2752x1536/bdeb93bf48/spendesk_blog_cover_sepa_pagos.jpg",{},"Desde octubre de 2025, cada transferencia SEPA que sale de tu empresa pasa por un control automático: la verificación del beneficiario. Si el nombre del titular",[],[2639],{"_uid":2640,"items":2641,"heading":2702,"component":1020},"75c5a05e-4484-45f6-9bf9-a69f45f1d5c1",[2642,2652,2662,2672,2682,2692],{"_uid":2643,"title":2644,"component":949,"description":2645},"d263ab81-b64f-4c90-ae91-3f3d9612b305","¿Qué pasa si el nombre del beneficiario y el IBAN no coinciden en una transferencia SEPA?",{"type":116,"content":2646},[2647],{"type":119,"attrs":2648,"content":2649},{"textAlign":25},[2650],{"text":2651,"type":125},"El banco emisor muestra una alerta antes de ejecutar la transferencia. Puedes optar por continuar, pero si la operación resulta fraudulenta, asumes la responsabilidad y el banco puede negarse a reembolsarte.",{"_uid":2653,"title":2654,"component":949,"description":2655},"b6d609e9-1da2-4506-bd50-547fc401967f","¿Es obligatoria la verificación del beneficiario en España?",{"type":116,"content":2656},[2657],{"type":119,"attrs":2658,"content":2659},{"textAlign":25},[2660],{"text":2661,"type":125},"Sí. Desde el 9 de octubre de 2025, la verificación del beneficiario es obligatoria y gratuita para todas las transferencias SEPA, incluidas las instantáneas, en todos los países de la zona SEPA.",{"_uid":2663,"title":2664,"component":949,"description":2665},"cba4d840-cf4c-4e85-a4c2-911cc5ade8a0","¿Cuál es el importe máximo de una transferencia SEPA instantánea?",{"type":116,"content":2666},[2667],{"type":119,"attrs":2668,"content":2669},{"textAlign":25},[2670],{"text":2671,"type":125},"El Reglamento (UE) 2024/886 eliminó el límite anterior de 100.000 € para la transferencia SEPA instantánea. Actualmente no existe un tope regulatorio general, aunque cada entidad bancaria puede aplicar sus propios límites operativos.",{"_uid":2673,"title":2674,"component":949,"description":2675},"4f907efc-2d62-4c69-9f56-b07faba5aef3","¿Quién es responsable si el banco no verifica correctamente y la transferencia es fraudulenta?",{"type":116,"content":2676},[2677],{"type":119,"attrs":2678,"content":2679},{"textAlign":25},[2680],{"text":2681,"type":125},"La entidad financiera. El Reglamento (UE) 2024/886 establece que, si el banco no ejecuta la verificación del beneficiario de forma correcta y se produce un pago fraudulento, debe reembolsar al ordenante.",{"_uid":2683,"title":2684,"component":949,"description":2685},"cbe9f351-d383-40ad-85df-6ebebcfe3de3","¿Qué es la dirección estructurada en un fichero SEPA?",{"type":116,"content":2686},[2687],{"type":119,"attrs":2688,"content":2689},{"textAlign":25},[2690],{"text":2691,"type":125},"Es el formato que sustituye las líneas de dirección en texto libre por campos independientes: calle, número, código postal, ciudad y país. Es obligatorio en los ficheros pain.001 a partir del 15 de noviembre de 2026.",{"_uid":2693,"title":2694,"component":949,"description":2695},"dac66926-a14a-4b79-951a-ef082e8a90f9","¿Cómo preparo los datos de mis proveedores para la Verification of Payee y el plazo de dirección estructurada de noviembre de 2026?",{"type":116,"content":2696},[2697],{"type":119,"attrs":2698,"content":2699},{"textAlign":25},[2700],{"text":2701,"type":125},"Audita la razón social de cada proveedor para que coincida con los registros bancarios (la VoP detectará discrepancias), valida estructuralmente todos los IBAN activos y convierte las direcciones a formato estructurado (calle, número, código postal, ciudad, país) antes de noviembre de 2026. En la sección sobre la limpieza de datos de proveedores encontrarás la lista de comprobación completa.",[2703],{"cta":2704,"_uid":2705,"title":2706,"eyebrow":2712,"subtitle":2717,"component":200,"textAlign":99,"flexibleSection":2722,"sectionSettings":2723,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"3f10135e-b925-4839-b87b-e8e2f6f9d749",{"type":116,"content":2707},[2708],{"type":200,"attrs":2709,"content":2710},{"level":202,"textAlign":25},[2711],{"text":1007,"type":125},{"type":116,"content":2713},[2714],{"type":119,"attrs":2715,"content":2716},{"textAlign":25},[],{"type":116,"content":2718},[2719],{"type":119,"attrs":2720,"content":2721},{"textAlign":25},[],[],[],"pagos-sepa-espana-2026","es/blog/pagos-sepa-espana-2026",-2130,[],"fd090ef2-11a1-4568-a687-4cc655d4afa9","2026-07-01T14:07:18.315Z",[],"blog/pagos-sepa-espana-2026",[2733,2734,2735],{"path":2731,"name":25,"lang":37,"published":25},{"path":2731,"name":25,"lang":39,"published":25},{"path":2731,"name":25,"lang":32,"published":25},{"name":2737,"created_at":2738,"published_at":2739,"updated_at":2740,"id":2741,"uuid":2742,"content":2743,"slug":2903,"full_slug":2904,"sort_by_date":25,"position":2905,"tag_list":2906,"is_startpage":28,"parent_id":1025,"meta_data":25,"group_id":2907,"first_published_at":2908,"release_id":25,"lang":32,"path":25,"alternates":2909,"default_full_slug":2910,"translated_slugs":2911},"Modelo 111 del IRPF: guía de retenciones para el equipo de finanzas","2026-08-10T14:39:53.927Z","2026-08-27T10:48:13.300Z","2026-08-27T10:48:13.315Z",207598362381603,"9dc6f5ea-ec93-4dd3-85d0-3c0a0f4c53e5",{"_uid":2744,"title":2737,"topics":2745,"noIndex":28,"category":2762,"language":2771,"component":914,"heroMedia":2772,"metaTitle":2773,"publishedAt":2774,"readingTime":2775,"redirectUrl":99,"listingImage":2776,"metaDescription":2784,"bottomArticleCta":2785,"componentsAfterTheArticle":2786},"0d225812-4d55-44c2-b89f-006658f0f075",[2746,2754],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":2747,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":2748,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2749,"default_full_slug":163,"translated_slugs":2750,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[2751,2752,2753],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":169,"created_at":170,"published_at":171,"updated_at":172,"id":173,"uuid":174,"content":2755,"slug":182,"full_slug":183,"sort_by_date":25,"position":157,"tag_list":2756,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":185,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":2757,"default_full_slug":187,"translated_slugs":2758,"_stopResolving":41},{"_uid":154,"name":169,"component":22},[],[],[2759,2760,2761],{"path":187,"name":25,"lang":37,"published":25},{"path":187,"name":25,"lang":39,"published":25},{"path":187,"name":25,"lang":32,"published":25},{"name":902,"created_at":903,"published_at":16,"updated_at":904,"id":905,"uuid":906,"content":2763,"slug":914,"full_slug":915,"sort_by_date":25,"position":52,"tag_list":2765,"is_startpage":28,"parent_id":917,"meta_data":25,"group_id":918,"first_published_at":919,"release_id":25,"lang":32,"path":25,"alternates":2766,"default_full_slug":921,"translated_slugs":2767,"_stopResolving":41},{"_uid":908,"icon":2764,"name":902,"component":913},{"id":910,"alt":911,"name":99,"focus":99,"title":99,"filename":912,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[2768,2769,2770],{"path":921,"name":25,"lang":37,"published":25},{"path":921,"name":25,"lang":39,"published":25},{"path":921,"name":25,"lang":32,"published":25},[32],[],"Modelo 111 del IRPF: guía de retenciones para el equipo de f","2026-08-03 00:00","11",[2777],{"_uid":2778,"asset":2779,"caption":99,"component":939},"8d7934aa-bd72-45e4-bf37-d78357884d0b",{"id":2780,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2781,"copyright":99,"fieldtype":104,"meta_data":2782,"is_external_url":28},213557579976256,"https://a.storyblok.com/f/146026/1536x1024/07d9ae630e/modelo-111-irpf-retenciones.png",{"size":2783},"1536x1024","Guía del Modelo 111: qué declara la empresa, cómo se rellena casilla a casilla y los plazos del 3T ante la AEAT. Cuadra el 190 y evita recargos.",[],[2787],{"_uid":2788,"items":2789,"heading":2881,"component":1020},"3a0a0e64-8720-4af2-91c3-673414935f4a",[2790,2823,2841,2851,2861,2871],{"_uid":2791,"title":2792,"component":949,"description":2793},"36103d57-5f5a-4af1-b116-c29162526b19","¿Qué diferencia hay entre el Modelo 111 y el Modelo 190?",{"type":116,"content":2794},[2795],{"type":119,"attrs":2796,"content":2797},{"textAlign":25},[2798,2800,2806,2808,2814,2816,2822],{"text":2799,"type":125},"El Modelo 111 es la autoliquidación trimestral de las retenciones del IRPF sobre rendimientos del trabajo y actividades económicas, mientras que el",{"text":2801,"type":125,"marks":2802}," Modelo 190 es su resumen anual informativo",[2803],{"type":216,"attrs":2804},{"href":2805,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/irpf/retenciones-ingresos-cuenta-pagos-fraccionados/retenciones-ingresos-cuenta/gestiones-retenciones-irpf.html",{"text":2807,"type":125},". Las retenciones de alquileres se declaran mediante el",{"text":2809,"type":125,"marks":2810}," Modelo 115",[2811],{"type":216,"attrs":2812},{"href":2813,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/procedimientos/GH02.shtml",{"text":2815,"type":125}," y el pago fraccionado del IRPF de los autónomos, mediante el",{"text":2817,"type":125,"marks":2818}," Modelo 130",[2819],{"type":216,"attrs":2820},{"href":2821,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://sede.agenciatributaria.gob.es/Sede/procedimientoini/G601.shtml",{"text":369,"type":125},{"_uid":2824,"title":2825,"component":949,"description":2826},"9abeccc9-21dd-4c0a-825b-d1de2694bb12","¿Qué diferencia hay entre una retención y un ingreso a cuenta?",{"type":116,"content":2827},[2828],{"type":119,"attrs":2829,"content":2830},{"textAlign":25},[2831,2833,2839],{"text":2832,"type":125},"La retención se practica sobre las rentas dinerarias, como las nóminas y las facturas pagadas en dinero. La empresa detrae una parte de ese importe y la ingresa ante la AEAT. El ingreso a cuenta es el equivalente para las retribuciones en especie. Como no hay dinero del que detraerlo, el pagador ingresa a cuenta el importe correspondiente sobre el valor de la retribución. Ambos son pagos anticipados del IRPF del perceptor y se declaran conjuntamente en el",{"text":2834,"type":125,"marks":2835}," Modelo 111, en casillas separadas",[2836],{"type":216,"attrs":2837},{"href":2838,"uuid":25,"anchor":25,"target":219,"linktype":107},"https://www.boe.es/buscar/act.php?id=BOE-A-2011-4948",{"text":2840,"type":125},". Los rendimientos dinerarios van en las casillas 01 a 03 de los rendimientos del trabajo y en las casillas 07 a 09 de las actividades económicas. Los rendimientos en especie se declaran en las casillas 04 a 06.",{"_uid":2842,"title":2843,"component":949,"description":2844},"4c266973-9d31-48f8-8102-ab45080ccaca","¿Cuándo se presenta el Modelo 111 del tercer trimestre?",{"type":116,"content":2845},[2846],{"type":119,"attrs":2847,"content":2848},{"textAlign":25},[2849],{"text":2850,"type":125},"El tercer trimestre se presenta del 1 al 20 de octubre. Si se domicilia el pago, el plazo se adelanta al 15 de octubre.",{"_uid":2852,"title":2853,"component":949,"description":2854},"0d57caab-2cb2-4026-89b4-edfbb27fa3c7","¿Puedo presentar el Modelo 111 y el Modelo 190 de forma electrónica y qué certificado necesito?",{"type":116,"content":2855},[2856],{"type":119,"attrs":2857,"content":2858},{"textAlign":25},[2859],{"text":2860,"type":125},"Sí, ambos se presentan en la sede electrónica de la AEAT. Necesitas un certificado digital o Cl@ve para identificarte y firmar la presentación.",{"_uid":2862,"title":2863,"component":949,"description":2864},"d9f9d762-93d7-452c-8c0b-21eeffac2ca3","¿Hay que presentar el Modelo 111 si no ha habido retenciones?",{"type":116,"content":2865},[2866],{"type":119,"attrs":2867,"content":2868},{"textAlign":25},[2869],{"text":2870,"type":125},"Debes presentar una autoliquidación negativa cuando se hayan pagado rentas sujetas a retención pero, por su cuantía, no procediera practicar retención. Si durante el trimestre no se ha satisfecho ninguna renta sujeta a retención, no hay que presentar el modelo.",{"_uid":2872,"title":2873,"component":949,"description":2874},"e67e103f-48a9-4fed-9ab7-b6857c94b931","¿Qué facturas de autónomos se declaran en el Modelo 111?",{"type":116,"content":2875},[2876],{"type":119,"attrs":2877,"content":2878},{"textAlign":25},[2879],{"text":2880,"type":125},"Se declaran las facturas de profesionales que aplican una retención del IRPF, con carácter general del 15 %, o del 7 % si el profesional se acoge al tipo reducido por inicio de actividad.",[2882],{"cta":2883,"_uid":2884,"title":2885,"eyebrow":2891,"subtitle":2896,"component":200,"textAlign":99,"flexibleSection":2901,"sectionSettings":2902,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"9c99409a-2f14-488a-bd3a-7d91d9042dc1",{"type":116,"content":2886},[2887],{"type":200,"attrs":2888,"content":2889},{"level":202,"textAlign":25},[2890],{"text":1007,"type":125},{"type":116,"content":2892},[2893],{"type":119,"attrs":2894,"content":2895},{"textAlign":25},[],{"type":116,"content":2897},[2898],{"type":119,"attrs":2899,"content":2900},{"textAlign":25},[],[],[],"modelo-111-irpf-retenciones","es/blog/modelo-111-irpf-retenciones",-2400,[],"38bc7afb-d5d6-4178-bd0d-3c89bb143ec7","2026-08-10T14:39:54.001Z",[],"blog/modelo-111-irpf-retenciones",[2912,2913,2914],{"path":2910,"name":25,"lang":37,"published":25},{"path":2910,"name":25,"lang":39,"published":25},{"path":2910,"name":25,"lang":32,"published":25},{"name":2916,"created_at":2917,"published_at":2918,"updated_at":2919,"id":2920,"uuid":2921,"content":2922,"slug":3043,"full_slug":3044,"sort_by_date":25,"position":3045,"tag_list":3046,"is_startpage":28,"parent_id":1025,"meta_data":25,"group_id":3047,"first_published_at":3048,"release_id":25,"lang":32,"path":25,"alternates":3049,"default_full_slug":3050,"translated_slugs":3051},"Conciliación 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de facturas: cómo evitar errores y agilizar las","2026-09-11 00:00","15",[2948],{"_uid":2949,"link":2950,"asset":2951,"caption":99,"component":939},"7e312a70-4f3a-4e88-b050-cd857b48328a",{"id":99,"url":99,"linktype":1064,"fieldtype":108,"cached_url":2084,"prep":41},{"id":2952,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":2953,"copyright":99,"fieldtype":104,"meta_data":2954,"is_external_url":28},222450767110397,"https://a.storyblok.com/f/146026/1672x941/aaeed3460e/conciliacion-de-facturas.png",{},"Descubre qué es la conciliación de facturas, por qué se producen los descuadres y cómo la integración con el ERP y los flujos de aprobación agilizan tus pagos.",[],[2958],{"_uid":2959,"items":2960,"heading":3021,"component":1020},"05d3fd1f-9939-4b87-b169-e126811177e6",[2961,2971,2981,2991,3001,3011],{"_uid":2962,"title":2963,"component":949,"description":2964},"3797035d-947e-4241-a972-750ae5ade4b6","¿Qué causa los descuadres en las facturas?",{"type":116,"content":2965},[2966],{"type":119,"attrs":2967,"content":2968},{"textAlign":25},[2969],{"text":2970,"type":125},"Suelen producirse cuando el precio, la cantidad, el concepto o las condiciones de la factura no coinciden con el pedido o con la recepción. También pueden deberse a entregas parciales, cargos adicionales, facturas duplicadas o ausencia de una referencia de compra.",{"_uid":2972,"title":2973,"component":949,"description":2974},"f2ea5888-1a9c-4809-93af-11f1b6c973ee","¿Qué ocurre cuando una factura no coincide con el pedido?",{"type":116,"content":2975},[2976],{"type":119,"attrs":2977,"content":2978},{"textAlign":25},[2979],{"text":2980,"type":125},"La factura debe pasar a revisión antes de continuar al pago, según la política de la empresa. El responsable puede confirmar si existe una entrega pendiente, corregir el pedido, solicitar una factura rectificativa o aprobar la diferencia cuando esté justificada.",{"_uid":2982,"title":2983,"component":949,"description":2984},"218ef5e9-c908-40c4-85d5-b84fdf1922ca","¿Cuáles son los errores de codificación más frecuentes?",{"type":116,"content":2985},[2986],{"type":119,"attrs":2987,"content":2988},{"textAlign":25},[2989],{"text":2990,"type":125},"Los más habituales son seleccionar una cuenta contable incorrecta, asignar el gasto a otro centro de costes, duplicar el registro o utilizar datos desactualizados del proveedor. También puede ser necesario revisar la información fiscal de la operación.",{"_uid":2992,"title":2993,"component":949,"description":2994},"e58f7c77-176f-41fa-bb44-ef9423fa8b57","¿Cómo puede mejorar una empresa el procesamiento de facturas?",{"type":116,"content":2995},[2996],{"type":119,"attrs":2997,"content":2998},{"textAlign":25},[2999],{"text":3000,"type":125},"Puede definir qué documentación necesita para cada tipo de compra, capturar la codificación en la solicitud o el pedido, utilizar OCR para reducir la introducción manual, establecer reglas de tolerancia e integrar la información con el ERP cuando la conexión disponible cubra sus necesidades.",{"_uid":3002,"title":3003,"component":949,"description":3004},"8fad0725-50d7-49cb-b1f2-3c664e9fae01","¿En qué se diferencia la conciliación de facturas de la conciliación bancaria?",{"type":116,"content":3005},[3006],{"type":119,"attrs":3007,"content":3008},{"textAlign":25},[3009],{"text":3010,"type":125},"La conciliación de facturas comprueba si una factura puede aprobarse y pagarse comparándola con el pedido y la recepción. La conciliación bancaria comprueba después si los movimientos de la cuenta coinciden con los apuntes contables.",{"_uid":3012,"title":3013,"component":949,"description":3014},"dab1bc41-9b1b-454e-8ce4-bc7933606b9a","¿Cómo puede ayudar Spendesk con la conciliación de facturas?",{"type":116,"content":3015},[3016],{"type":119,"attrs":3017,"content":3018},{"textAlign":25},[3019],{"text":3020,"type":125},"Spendesk no es un ERP. Es una plataforma de gestión de gastos y cuentas por pagar que ayuda a centralizar las facturas, los pedidos y la documentación de respaldo, facilitar la comparación de la información disponible, identificar excepciones y dirigir cada operación al flujo de aprobación correspondiente. También puede ayudar a preparar los datos para conectarlos con el sistema financiero y evitar que las discrepancias se descubran al cierre de mes, cuando ya queda poco margen para corregirlas.",[3022],{"cta":3023,"_uid":3024,"title":3025,"eyebrow":3031,"subtitle":3036,"component":200,"textAlign":99,"flexibleSection":3041,"sectionSettings":3042,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"bc20a4a6-1ac6-49d9-a31d-740c9b91c095",{"type":116,"content":3026},[3027],{"type":200,"attrs":3028,"content":3029},{"level":202,"textAlign":25},[3030],{"text":1007,"type":125},{"type":116,"content":3032},[3033],{"type":119,"attrs":3034,"content":3035},{"textAlign":25},[],{"type":116,"content":3037},[3038],{"type":119,"attrs":3039,"content":3040},{"textAlign":25},[],[],[],"conciliacion-de-facturas","es/blog/conciliacion-de-facturas",-3490,[],"812b517e-2eda-4778-bfe2-493605327cf9","2026-09-14T09:05:53.999Z",[],"blog/conciliacion-de-facturas",[3052,3053,3054],{"path":3050,"name":25,"lang":37,"published":25},{"path":3050,"name":25,"lang":39,"published":25},{"path":3050,"name":25,"lang":32,"published":25},{"name":3056,"created_at":3057,"published_at":3058,"updated_at":3059,"id":3060,"uuid":3061,"content":3062,"slug":3191,"full_slug":3192,"sort_by_date":25,"position":3193,"tag_list":3194,"is_startpage":28,"parent_id":1025,"meta_data":25,"group_id":3195,"first_published_at":3196,"release_id":25,"lang":32,"path":25,"alternates":3197,"default_full_slug":3198,"translated_slugs":3199},"Suministro Inmediato de Información (SII): quién está obligado y cómo funciona","2026-08-27T10:05:46.612Z","2026-08-27T13:15:06.420Z","2026-08-27T13:15:06.441Z",213547198969678,"c9ee313b-7bc8-4d4c-b5f5-f07f5ef3f0d4",{"_uid":3063,"title":3056,"topics":3064,"noIndex":28,"category":3073,"language":3082,"component":914,"heroMedia":3083,"metaTitle":3084,"publishedAt":3085,"readingTime":2946,"redirectUrl":99,"listingImage":3086,"metaDescription":3093,"bottomArticleCta":3094,"componentsAfterTheArticle":3095},"7c8baf82-c72c-4bd0-978c-914b4de81327",[3065],{"name":141,"created_at":142,"published_at":143,"updated_at":144,"id":145,"uuid":146,"content":3066,"slug":155,"full_slug":156,"sort_by_date":25,"position":157,"tag_list":3067,"is_startpage":28,"parent_id":159,"meta_data":25,"group_id":160,"first_published_at":161,"release_id":25,"lang":32,"path":25,"alternates":3068,"default_full_slug":163,"translated_slugs":3069,"_stopResolving":41},{"_uid":154,"name":141,"component":22},[],[],[3070,3071,3072],{"path":163,"name":25,"lang":37,"published":25},{"path":163,"name":25,"lang":39,"published":25},{"path":163,"name":25,"lang":32,"published":25},{"name":902,"created_at":903,"published_at":16,"updated_at":904,"id":905,"uuid":906,"content":3074,"slug":914,"full_slug":915,"sort_by_date":25,"position":52,"tag_list":3076,"is_startpage":28,"parent_id":917,"meta_data":25,"group_id":918,"first_published_at":919,"release_id":25,"lang":32,"path":25,"alternates":3077,"default_full_slug":921,"translated_slugs":3078,"_stopResolving":41},{"_uid":908,"icon":3075,"name":902,"component":913},{"id":910,"alt":911,"name":99,"focus":99,"title":99,"filename":912,"copyright":99,"fieldtype":104,"is_external_url":28},[],[],[3079,3080,3081],{"path":921,"name":25,"lang":37,"published":25},{"path":921,"name":25,"lang":39,"published":25},{"path":921,"name":25,"lang":32,"published":25},[32],[],"Suministro Inmediato de Información (SII): quién está obliga","2026-08-26 00:00",[3087],{"_uid":3088,"asset":3089,"caption":99,"component":939},"57620067-ee10-44b1-994e-e86bf0c9a7af",{"id":3090,"alt":99,"name":99,"focus":99,"title":99,"source":99,"filename":3091,"copyright":99,"fieldtype":104,"meta_data":3092,"is_external_url":28},213593665769182,"https://a.storyblok.com/f/146026/1536x1024/f024cf1427/suministro-inmediato-de-informacion-sii.png",{"size":2783},"Descubre qué es el Suministro Inmediato de Información (SII), quién está obligado a utilizarlo y cómo gestionar los plazos de envío del IVA.",[],[3096],{"_uid":3097,"items":3098,"heading":3169,"component":1020},"def80281-c114-48d8-922b-c6452f4b32e1",[3099,3109,3119,3129,3139,3149,3159],{"_uid":3100,"title":3101,"component":949,"description":3102},"7adf060b-0882-41f2-8376-aa433a02769e","¿En qué consiste exactamente el SII?",{"type":116,"content":3103},[3104],{"type":119,"attrs":3105,"content":3106},{"textAlign":25},[3107],{"text":3108,"type":125},"El SII es la llevanza electrónica de los libros registro del IVA a través de la Sede de la AEAT. Las empresas incluidas deben enviar determinados registros de facturación dentro de plazos breves. No es una declaración adicional, sino una forma distinta de mantener los libros del IVA.",{"_uid":3110,"title":3111,"component":949,"description":3112},"be7cc60c-fdd7-48cd-86ee-3cd10e8a77df","¿Qué empresas están obligadas a utilizar el SII?",{"type":116,"content":3113},[3114],{"type":119,"attrs":3115,"content":3116},{"textAlign":25},[3117],{"text":3118,"type":125},"Están obligadas, entre otras, las grandes empresas que superan el volumen de operaciones establecido, las empresas inscritas en REDEME, las entidades acogidas al régimen especial del grupo de entidades del IVA y determinados titulares y extractores de productos de depósitos fiscales de hidrocarburos.",{"_uid":3120,"title":3121,"component":949,"description":3122},"8a10655a-0848-47c1-954b-b071fdee7f5d","¿Puede una empresa acogerse voluntariamente al SII?",{"type":116,"content":3123},[3124],{"type":119,"attrs":3125,"content":3126},{"textAlign":25},[3127],{"text":3128,"type":125},"Sí. Los sujetos pasivos que no estén obligados pueden optar voluntariamente mediante el procedimiento previsto por la AEAT, normalmente a través del modelo 036. La opción está sujeta a condiciones de permanencia y renuncia.",{"_uid":3130,"title":3131,"component":949,"description":3132},"a12435fc-1766-4be9-ac61-a9537861dab0","¿Cuál es el plazo para enviar una factura al SII?",{"type":116,"content":3133},[3134],{"type":119,"attrs":3135,"content":3136},{"textAlign":25},[3137],{"text":3138,"type":125},"El plazo general es de cuatro días naturales. Para las facturas expedidas por el destinatario o por un tercero, puede aplicarse un plazo de ocho días. En las facturas recibidas, el plazo se calcula generalmente desde el registro contable. También deben respetarse los límites vinculados al periodo de liquidación.",{"_uid":3140,"title":3141,"component":949,"description":3142},"40060d22-3957-4e6d-8f07-34e68f92caf4","¿Qué modelos deja de presentar una empresa acogida al SII?",{"type":116,"content":3143},[3144],{"type":119,"attrs":3145,"content":3146},{"textAlign":25},[3147],{"text":3148,"type":125},"En los términos previstos por la normativa, las empresas acogidas al SII quedan exoneradas de presentar los modelos 347 y 390. La empresa puede tener que incluir información adicional en el modelo 303 del último periodo del ejercicio.",{"_uid":3150,"title":3151,"component":949,"description":3152},"ee432358-03bc-446c-b99e-fb39b33d8249","¿Qué diferencia hay entre SII, VeriFactu y factura electrónica B2B?",{"type":116,"content":3153},[3154],{"type":119,"attrs":3155,"content":3156},{"textAlign":25},[3157],{"text":3158,"type":125},"El SII regula el suministro electrónico de los registros del IVA. VeriFactu establece requisitos para los sistemas informáticos de facturación. La factura electrónica B2B regula el intercambio de facturas electrónicas entre empresas y profesionales. Son obligaciones diferentes y no se sustituyen automáticamente entre sí.",{"_uid":3160,"title":3161,"component":949,"description":3162},"eba19354-4fee-45a5-a514-a123eaeb80dd","¿Cómo ayuda Spendesk a gestionar las facturas con el SII?",{"type":116,"content":3163},[3164],{"type":119,"attrs":3165,"content":3166},{"textAlign":25},[3167],{"text":3168,"type":125},"Spendesk centraliza la recepción de facturas de proveedores y extrae los datos mediante OCR desde el primer momento. La información contable y de IVA se organiza antes de dirigirse al flujo de aprobación configurado, y los datos ya validados pueden exportarse a la herramienta contable de la empresa. Esto ayuda a mantener un flujo de cuentas por pagar más ordenado y con menos margen para retrasos, aunque la validación final de la información y el suministro al SII siguen correspondiendo a la empresa conforme a sus obligaciones.",[3170],{"cta":3171,"_uid":3172,"title":3173,"eyebrow":3179,"subtitle":3184,"component":200,"textAlign":99,"flexibleSection":3189,"sectionSettings":3190,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":99},[],"1b5b92ff-b89c-495c-a337-c708520f4861",{"type":116,"content":3174},[3175],{"type":200,"attrs":3176,"content":3177},{"level":202,"textAlign":25},[3178],{"text":1007,"type":125},{"type":116,"content":3180},[3181],{"type":119,"attrs":3182,"content":3183},{"textAlign":25},[],{"type":116,"content":3185},[3186],{"type":119,"attrs":3187,"content":3188},{"textAlign":25},[],[],[],"suministro-inmediato-de-informacion-sii","es/blog/suministro-inmediato-de-informacion-sii",-2980,[],"1026b24a-05ed-4e9b-ac69-e27ceb7abb19","2026-08-27T10:05:46.675Z",[],"blog/suministro-inmediato-de-informacion-sii",[3200,3201,3202],{"path":3198,"name":25,"lang":37,"published":25},{"path":3198,"name":25,"lang":39,"published":25},{"path":3198,"name":25,"lang":32,"published":25},1793980980176]