Bank of Spain Central Credit Register report (CIRBE)
Spain · Informe de riesgos de la Central de Información de Riesgos del Banco de España (CIRBE)
about 15 minutes online on business days (else next business day); legal maximum 10 business days
What the report shows
Loans, credits, guarantees and other risks reported by financial institutions in the name of the person or company.
Who needs it
individuals and companies applying for credit, heirs checking a deceased's debts
Why people order it
mortgage/loan applications, verifying debts, inheritance (deceased's debts), disputes with banks
Legal limits
Data are 'personalísimo': only the holder, a representative with a public-deed power expressly covering CIR requests (private authorisations rejected), legal representatives, or heirs; resale or third-party access is not possible.
Issued by
Banco de España – Central de Información de Riesgos (Bank of Spain – Central Credit Register) · Official source
Questions and answers
How do I get Bank of Spain Central Credit Register report (CIRBE)?
Only the person concerned can obtain it, directly from Banco de España – Central de Información de Riesgos (Bank of Spain – Central Credit Register). sedeelectronica.bde.es → Solicitar informe CIRBE → electronic certificate or Cl@ve → request → email notice → download (20 days); individuals may also use form FDU-031 in person (cita previa) or by post to C/ Alcalá 48, Madrid
Joy Work OS is a private service and not the issuing authority. You can also get this document directly from the authority, free of charge.