Origen de fondos / AML file
Online verifiedOrigen de fondos / AML / KYC
Who needs it
Buyers, investors, founders, and applicants who must document where money comes from for a Spanish bank, notary, abogado, gestor, developer, real estate counterpart, or investment onboarding, commonly for property purchases, large transfers, company setup, or regulated KYC/AML checks. Each institution sets its own checklist; nothing is automatically accepted across counterparts.
When needed
When the bank, notary, lawyer, or investment counterpart explicitly requests a source-of-funds (origen de fondos) or AML file, often before arras, before notary day, or before releasing funds for a transaction.
Where to get it
The file is assembled by the applicant with a gestor, abogado, or tax adviser; it is not issued by a single government office. Supporting evidence comes from banks (statements, certificates), employers, tax authorities, sale contracts, corporate records, and other sources depending on the case.
Timeline
Commonly 1 to 3 weeks to collect supporting documents; counterpart review time is additional and varies.
Faster with Key4SpainCita previa
No for assembling the file. Separate appointments may apply at the bank or notary that reviews it.
What to bring
- •Bank statements covering the period the counterpart requests (often 3 to 12 months)
- •Tax returns or tax certificates where relevant to show declared income
- •Proof of income, employment contracts, payslips, dividend notices, pension statements
- •Sale contracts and settlement evidence if funds come from selling assets
- •Business accounts or corporate documents if funds come from company activity
- •Written source-of-funds/source-of-wealth explanation aligned with the transaction
- •Translations or apostilles where the counterpart requires them for foreign documents
Common mistakes
- âš Assuming one bank's accepted pack works for another notary or developer without checking
- âš Statements or certificates older than the counterpart accepts
- âš Undocumented cash movements or income that cannot be traced on paper
- âš Missing sworn translation or apostille where required for foreign documents
- âš Treating this orientation as tax or legal advice; requirements depend on the case
What to say at the counter
¿Pueden indicarme qué documentos necesitan para la justificación del origen de fondos? (Pueden indicarme qué documentos necesitan para el origen de fondos?)
Handling this via Key4Spain ensures 0% margin for error.