Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR)
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR) is filed with Banco de España - Departamento de Conducta de Mercado y Reclamaciones. With Managora you do it 100% online: you answer a few questions, sign a digital mandato (power of representation) and we draft, sign and file your recurso (appeal) for you. Estimated total cost: €90 to €90.
We complain to the Departamento de Conducta de Mercado y Reclamaciones (Market Conduct and Complaints Department) of the Banco de España about abusive clauses, mortgage costs, IRPH, improper fees, revolving cards, unauthorised charges or any bad practice by your bank. If you have not yet complained to the bank's SAC (customer service department), we first draft the written document to the SAC at no additional cost.
- Estimated total cost
- €90 to €90
- Managora's fee
- €108.90 (21% VAT incl.)
- Tasa (official government fee)
- No tasa payable
- Processing time
- DCMR decision: approximately 90 days for consumers and 4 months for non-consumers. The decision is NOT binding on the bank, but it carries considerable weight in a subsequent court claim.
- What you receive
- Recurso (administrative appeal)
Cost breakdown: Our fee 90 €. The complaint to the Market Conduct Department of the Banco de España is free of charge, with no tasa (official fee)..
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how is it filed?
- 1Answer the questions in the chat (~5 minutes).
- 2We will show you whether your case can be taken directly to the Banco de España (Bank of Spain) or whether it is better to complain first to the SAC.
- 3Payment of 90 €. If a prior SAC complaint is required, we include the written document to the SAC at no additional cost and, once the legal deadline has passed, we escalate it to the Banco de España.
- 4Sign the mandate from your mobile.
- 5Complaint submitted at the Oficina Virtual de Reclamaciones (Virtual Complaints Office) of the Banco de España by our agent.
- 6You receive the submitted document, annexes, signed mandate, submission acknowledgement and invoice.
Which documents do you need?
- •The banking contract or the specific clauses you are challenging (if you have them).
- •The statements, receipts or charges that evidence the problem.
- •Any communication with the SAC (customer service department): emails, reference number, the bank's reply. You do not need to upload anything here; we will tell you how to send it to us if relevant.
Legal basis and things to bear in mind
- The Banco de España is free of charge: you pay no fee to the body. Our 90 € cover the technical drafting and the submission.
- The Banco de España's decision is NOT binding on the bank. However, if the bank departs from the recommendations, it must give reasons, and the decision is key evidence in any subsequent court claim.
- Deadline to complain to the Banco de España: 1 year from the date you submitted the complaint to the bank's SAC.
- For insurance matters (not banking), the competent body is the DGSFP of the Ministry of Economic Affairs, not the Banco de España. For securities markets and funds, the CNMV.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): frequently asked questions
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how much does it cost?
The estimated total cost (our fee + official tasas and taxes) is €90 to €90: Our fee 90 €. The complaint to the Market Conduct Department of the Banco de España is free of charge, with no tasa (official fee).. Managora's fee is €108.90, 21% VAT included (€90.00 net + €18.90 VAT). This procedure carries no official tasa.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): how long does it take?
DCMR decision: approximately 90 days for consumers and 4 months for non-consumers. The decision is NOT binding on the bank, but it carries considerable weight in a subsequent court claim.
Reclamación a su banco ante el Banco de España (complaint to the Bank of Spain, DCMR): which documents do I need?
You need to have to hand: The banking contract or the specific clauses you are challenging (if you have them)., The statements, receipts or charges that evidence the problem., Any communication with the SAC (customer service department): emails, reference number, the bank's reply. You do not need to upload anything here; we will tell you how to send it to us if relevant.. You do not upload them here: we collect the details through the guided chat.
Who files the procedure?
Managora files it in your name with Banco de España - Departamento de Conducta de Mercado y Reclamaciones. You only provide the details through the chat and sign a mandato (power of representation); we prepare, sign and register it.
Can it be done online?
Yes. The whole process is online: you answer a few questions in the guided chat, sign a simple mandato on screen and receive the receipt and the official documents by email, with full legal validity.
Based on the legislation in force and on the official site of the competent authority: Banco de España - Departamento de Conducta de Mercado y Reclamaciones ↗.
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