Module 1
Decoding the Spanish Payslip (Nómina)
Every line on a Spanish payslip has a specific meaning. This module explains gross salary, Social Security contributions broken down by category, income tax withholding (IRPF), and how to verify your net pay. Includes a worked example using a standard nómina format.
Enquire about access
Module 2
Variable Mortgages: Structure and Review
How the Euribor functions as a reference index, what a differential is, how review clauses work in practice, and how to read the FEIN (European Standardised Information Sheet) before any commitment. The module does not advise on whether to choose a fixed or variable product.
Enquire about access
Module 3
Reading and Comparing Insurance Policies
The premium is only one number. This module examines coverage scope, exclusion clauses, sublimits, deductibles, and the claims procedure. A structured framework for evaluating policies across different categories of insurance.
Enquire about access
Module 4
Claiming Before the Banco de España
The Servicio de Reclamaciones del Banco de España handles disputes between consumers and financial institutions. This module explains what types of complaints are admissible, how to exhaust internal channels first, what documentation to gather, and how the process unfolds. Informational only.
Enquire about access
Module 5
Household Budget Fundamentals
Fixed versus variable expenses, the difference between income and cash flow, and how to build a simple monthly tracking structure. The module covers concepts without recommending any specific saving product or financial instrument.
Enquire about access
Module 6
Consumer Rights in Financial Services
An overview of the protections available to consumers when dealing with banks, insurers, and other financial entities in Spain. Covers the regulatory framework, the role of the CNMV and Banco de España, and where to find official information.
Enquire about access