Businesses and individuals: 3 months to update official exchange rates or deviation risks

The Bank of Spain's resolution publishes the euro exchange rates as of 20 January 2026 set by the ECB, now officially effective under Article 36 of Law 46/1998. These rates replace previous ones and must be used in financial transactions, contracts, and official communications. The change affects all users of foreign currencies in Spain, particularly in international payments, invoices, and interest rates.