CIENxCIEN (one hundred percent) is a podcast on the latest economic, technological and social developments, brought to you by people working at the Banco de España. We want to throw open our doors and tell you about what we do, how we do it and the impact it has on your day-to-day life.
These down-to-earth yet rigorous podcasts will blend the simplicity of conversations between colleagues with the professionalism of our work in different areas, placing all our expertise at your disposal.
24/07/2026
We handle banknotes all the time, yet we seldom pause to think about what lies behind – and within – them. In this episode we discover how today’s banknotes are designed, through a process that combines art, technology, science and even psychology to create something as familiar as it is indispensable. Because a banknote is not defined by its face value alone: it also stands for trust, identity, and much more besides.
Series: Economy
Series: International
International trade
Series: Sustainability, Women in Economy
Climate change and green transition
Series: Economy, Inside the Bank
Banco de España
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28/07/2026
A world without cash: utopia or dystopia?
Can you imagine a world without banknotes and coins? While such a future is not inconceivable, it is by no means imminent. Yet some believe cash has its days numbered. But could it really be nearing an end? And if so, would it necessarily be a good thing, or could it prove a misstep? The coexistence of physical and digital forms of money allows people to choose what best suits each situation.
24/06/2026
How is wealth distributed among households? Series: Economy
When it comes to a country’s wealth, it's not only the total amount that matters, but how it is distributed among households. In this episode of CIENxCIEN we unpack the Distributional Wealth Accounts, explore the role of housing in household wealth and reveal what the data tell us about inequality in Spain and the debt and assets of Spanish households. A candid conversation that looks beyond the economic surface.
Household finances
22/06/2026
The Valencia branch office, bringing the Banco de España closer to the public
The Banco de España is making progress on its commitment to be more accessible and useful to society, as two recent initiatives at the Valencia branch show: the special measures adopted to help replace the cash damaged by the October 2024 flash floods and the pilot project on the new service offering personal finance advice to the public.
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.
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.
29/01/2026
The Distributional Wealth Accounts: a new tool for analysing household wealth and debt
The Distributional Wealth Accounts combine micro data from surveys and national accounts data to provide an overview of Spanish household net wealth. These new statistics are updated quarterly and presented in a user-friendly interactive format.
29/01/2026
Household finances
10/12/2025
Inflation: who wins and who loses? Series: Economy, Monetary policy
Do you know how inflation affects you in your everyday life? Inflation is not just a buzzword for economists: it has a direct impact on your wallet. The best tool to beat inflation (or even turn it to your advantage) is financial education. In this episode of CIENxCIEN, Ana Comellas chats with Galo Nuño, who explains how inflation works, its effects and the measures that can be used to control it.
Household finances
15/10/2025
Small steps add up: the power of financial education Series: Economy
In today’s digital world we’re constantly surrounded by all kinds of financial content: data, trends, advice... So much, in fact, that we can end up feeling overwhelmed or thinking that economics and finance are just for experts. And yet, we are constantly making financial decisions that affect not only our wallets, but the broader economy too. Are we really aware of those choices? How do we make them – and why? And what if we could make better ones? Let’s find out together.
Household finances
