Using a simple format and plain language, the Banco de España Blog seeks to make our work more accessible to the general public. It allows us to share our analysis of economic and financial issues and the ins and outs of the Banco de España’s tasks and activities with all those keen to learn more.
The Blog series group together posts covering certain similar topics. Further down is a general listing of all Blog posts, with a search function to help readers find the posts they are interested in.
26/05/2026
Financial inclusion is a key part of immigrants’ integration. Overall, there is no significant financial inclusion gap between immigrants and the Spanish-born population. The exception is immigrants in an irregular situation, for whom opening a bank account is often an insurmountable barrier, leaving them financially excluded.
88 results found with the selected filters
26/05/2026
Financial inclusion of immigrants: the banking barrier for those in an irregular situation
Financial inclusion is a key part of immigrants’ integration. Overall, there is no significant financial inclusion gap between immigrants and the Spanish-born population. The exception is immigrants in an irregular situation, for whom opening a bank account is often an insurmountable barrier, leaving them financially excluded.
08/05/2026
When the Banco de España is your office and Europe your team (or vice versa)
Europe was not born out of treaties and acronyms but from a simple yet bold idea: to work together to prevent war. This is the idea at the heart of the 1950 Schuman Declaration. At the Banco de España, we understand this as sharing projects and aligning perspectives with colleagues from many countries – different accents and cultures and countless hours of analytical work. Because Europe is built by working together, day by day.
27/04/2026
How do we pay when the power goes out? Spain’s blackout experience
In critical situations, when the alternatives stop working, cash becomes even more valuable and helps us carry on. Coins and banknotes have proved their worth as an independent, widely accepted and reliable means of payment that enables us to continue making our daily purchases even in extreme circumstances like last year’s blackout.
31/03/2026
The EBAE survey: how Spanish firms are performing, as reported by the firms themselves
Around 7,000 Spanish firms take part in the Banco de España Business Activity Survey (EBAE). Their responses shed light on firms’ activity, the factors influencing it and their short‑term expectations. The survey has become a valuable complement to our economic monitoring toolkit.
18/03/2026
Financial education from an early age: an investment that pays off
Learning about money from a young age helps us develop a critical and responsible mindset and prepares us for the financial decisions we will face as adults. This is what financial education seeks to offer children and young people, going far beyond simply teaching financial concepts.
05/03/2026
What does responding “I don't know” say about your gender and your financial literacy and behaviour?
The differences between men and women in financial literacy do not depend solely on whether their replies to a survey are right or wrong. Women tend to respond “I don’t know” more frequently. This option, which helps to explain the gender gap in literacy, is also linked to specific financial behaviours and settings.
26/02/2026
Traditional labour market statistics say that if you’re not employed or unemployed, that is, actively seeking work, you’re outside the labour market. But reality is far more nuanced. A new measure of labour market attachment uses artificial intelligence to paint a more accurate picture of the labour market, helping policymakers design better employment strategies.
04/02/2026
Competition and financial stability in the fintech era Series: Focus. Research Videoblog
Technological innovation in financial services (known as fintech) is changing the way we manage our finances. Understanding its potential impact on financial stability is a key concern for the Banco de España and other financial supervisors around the world.
