Buying Property in Spain? Ensure Secure International Payments in 2025

Spain continues to stand out as one of Europe’s most desirable property markets in 2025. From Mediterranean villas and Canary Island retreats to stylish Madrid apartments and rustic Andalusian farmhouses, the country attracts both lifestyle buyers and seasoned investors. However, buying property in Spain as an international client comes with a key challenge: transferring large sums across borders securely, compliantly, and without delays.

International property payments are not as simple as a standard bank transfer. They involve currency exchange, legal requirements under Spanish property law, and compliance with international anti-money laundering (AML) and counter-terrorist financing (CTF) regulations. Any oversight can delay your purchase or even lead to frozen funds. That’s why choosing the right payment method is just as important as selecting the right property.

Below, we outline seven proven and secure ways to transfer funds for your Spanish property purchase in 2025. These options combine legal compliance, financial efficiency, and the peace of mind that your investment will be protected until the transaction is finalized.

Explore our full range of global services

1. SWIFT Transfers via Regulated Banks

For decades, SWIFT has been the backbone of international payments. When sending large sums for property purchases, using a regulated Spanish or international bank ensures traceability and compliance. In 2025, modern SWIFT routing can minimize delays and reduce intermediary bank fees. The key advantage is that every transfer is documented, satisfying Spanish notaries and property registries that require proof of lawful funds.

2. Dedicated Escrow Accounts

Escrow is one of the most secure methods available. Here, funds are held by a neutral third party—often a law firm or regulated financial institution—until both buyer and seller meet all contractual conditions. In Spanish real estate, escrow is especially useful when buying off-plan properties or dealing with unfamiliar sellers, as it ensures payment is released only upon verified title transfer.

3. Multi-Currency Accounts for Exchange Control

Owning a multi-currency account allows you to hold and transfer euros without repeated conversions, saving money on exchange fees. It also gives flexibility to send payments when market rates are favorable. Many foreign buyers in Spain use this method to lock in an exchange rate weeks or months before closing, protecting against currency volatility.

4. Licensed Payment Institutions for Faster Processing

When timing is critical—such as when meeting a purchase deadline—licensed non-bank financial institutions can transfer large sums quickly and in compliance with Spanish law. These providers often specialize in real estate transactions and can process payments within one or two working days, even for complex multi-jurisdiction deals.

5. Crypto-to-Fiat Conversion Under Legal Oversight

For buyers holding cryptocurrency, converting to euros via a licensed provider can be an efficient option. In Spain, such transactions must be well-documented to prove the origin of funds. Reputable providers handle this process with full AML compliance, making it possible to integrate digital assets into a legal property purchase.

6. Stage Payments with Contractual Safeguards

Some Spanish property contracts allow the buyer to split the payment into several stages—such as deposit, interim payment, and final settlement. This approach reduces risk, as each payment is tied to a milestone, like completion of a construction stage or receipt of certain legal documents. Stage payments can also make it easier to manage cash flow, especially for investment buyers.

7. Payments via Authorized Legal Representatives

Many foreign buyers appoint a Spanish lawyer (abogado) or a gestor to handle payments on their behalf. These professionals ensure all transfers meet local legal standards, prepare the necessary documentation for notaries, and confirm that funds are received before signing the final deed (escritura). This adds a strong layer of legal protection.

Key Compliance and Financial Considerations

Even when you choose a secure payment method, you need to follow specific compliance steps to avoid problems:

• Document verification: Before transferring funds, ensure your identification, proof of funds, and purchase contract are prepared for inspection by Spanish authorities.
• Currency planning: Decide early whether you’ll pay in euros or another currency to optimize exchange costs.
• Banking relationships: Work with financial institutions experienced in handling property payments to Spain, as they can advise on routing and documentation.
• Tax awareness: Spain has strict property tax rules—knowing your payment’s tax implications can prevent unexpected costs.

Why Secure Payment Methods Matter in Spain

Spanish property transactions involve multiple stakeholders: banks, lawyers, notaries, and the Land Registry. A single mistake—like an incorrectly formatted payment reference or missing compliance document—can delay your transaction or even cause legal disputes. In 2025, with stronger EU financial transparency rules, buyers must be especially careful about how funds are sent and verified.

Practical Tips for Smooth Property Payments

• Start your payment planning as soon as you sign the preliminary contract (contrato de arras).
• Keep all payment confirmations—these will be required by the notary at closing.
• Consider exchange rate hedging tools to lock in favorable EUR conversion rates.
• Use escrow or staged payments if you’re unfamiliar with the seller or developer.
• Engage both a legal advisor in Spain and a financial partner experienced in cross-border transactions.

Looking for a safe money transfer? Click here to connect with our experts

Why choose VelesClub Int. and UNIBROKER for your payments?

Handling large international property payments demands both legal expertise and financial precision. VelesClub Int. together with our trusted partner UNIBROKER offers a complete service for transferring funds securely to Spain. We combine cross-border transaction experience with an in-depth understanding of Spanish property law, ensuring every euro reaches its destination safely and compliantly.

Our joint services include:

• Compliance with both Spanish and buyer’s home country regulations
• Multi-currency settlement options, including EUR, USD, GBP, CNY, and major cryptocurrencies
• Optimized routing to minimize delays and transaction costs
• Escrow account setup and management for high-value deals
• Full legal documentation support for notaries and property registries
• Optional payment insurance for maximum security

By partnering with VelesClub Int. and UNIBROKER, you get more than just a payment processor—you gain a strategic partner who ensures your Spanish property transaction is completed on time, on budget, and in full legal compliance. Whether you are buying for personal use, as an investment, or as part of a relocation plan, we make sure your funds are protected from start to finish.

Contact us today to discuss your property payment strategy for Spain in 2025 and discover how our solutions can streamline the most critical part of your purchase process.