FinBoard blog: practical guides on personal finance, budgeting and multi-currency investing.
28 articles
When an Open Banking permission expires, your balance doesn't show an error — it just stops moving. Why it happens, other causes of frozen data, 3 ways to spot it, and why FinBoard shows the time of each account's latest data.
Crypto trades 24/7, Spanish stocks close at 17:30, the ECB sets one reference rate per working day: why adding up portfolios means choosing a price, a rate and a time — plus 3 habits for reading your multi-currency total.
A financial alert only works if you read it. Three questions to separate useful alerts from noise (can you act on it? is it genuinely unusual? does it explain itself?), examples of each, and a 5-minute clean-up exercise.
Automatic categories fail because banks send very little information. The 5 most common errors — internal transfers being the most distorting — and 4 habits for reading them without auditing every cent.
6 things FinBoard deliberately doesn't do: move your money, store your bank password, tell you where to invest, promise returns, hold your funds — or claim to be always right. Plus what it does do.
An ING/Ipsos survey finds 6 in 10 Spaniards with savings don't invest, and 43% cite a lack of knowledge. Without recommending anything, we suggest a question that comes first: how much you have, where, and in which currency.
A practical guide to the Open Banking permission: what you approve (read-only), where (at your bank), how long it lasts (EU rules require renewal at least every 180 days; our provider defaults to up to 90) and how to revoke it anytime.
Since 15 September 2026, Spanish operators block texts using sender names not listed in the CNMC registry. What it fixes (who's sending), what it doesn't (what the message says) and 3 checks so you don't miss your bank's genuine alerts.
What FinBoard is and why we call it a copilot: one dashboard for your banks, multi-currency investments, crypto and budgets via Open Banking, where the decisions stay yours. Who it's for — and who doesn't need it.
The more accounts you spread across banks, the easier it is for one to start charging fees you don't notice — the average maintenance fee in Spain is now around €160/year, with some banks charging up to €240. This post walks through a 15-minute audit to catch it, account by account.
Whatever you do with your crypto this autumn gets declared in spring 2027, so September is a good time to learn the rules: what's taxed (sales, swaps, payments), what isn't (just holding), the 2026 savings-base brackets (19-30%), and when Form 721 applies. General content — doesn't replace advice from a tax professional.
Diversification isn't about having lots of investing apps — it's about knowing how much your net worth depends on one thing, one currency, or one timeline. This post walks through three questions and a 10-minute check — educational content, no buy or sell recommendations.
A plain-language explainer on why connecting your bank via Open Banking is safe (read-only, regulated under PSD2) and what's really changing with the upcoming PSD3/PSR: political agreement in November 2025, final text in April 2026, practical application not before 2027. None of it changes how your current connection works.
The "September slump" isn't really about spending more — it's a visibility problem, with several bills landing right when you haven't checked your accounts in weeks. This post walks through a weekend checklist to bring your whole financial picture together, spot forgotten costs, and plan September through December without stress or jargon.
When your income changes every month, budgeting advice built for a fixed paycheck stops working. Here's how to adapt your financial planning to the reality of being self-employed or freelance.
Treating your crypto as a separate world from your traditional portfolio is common, but it can be hiding your real risk level. Here's why it's worth seeing everything consolidated, and what you're missing if you don't.
Castellón Plaza, a leading local outlet, covered FinBoard's official incorporation as a company.
Owning 15 different stocks doesn't automatically mean you're diversified. Here's what portfolio risk actually means, why correlation between assets matters more than the count, and how to spot false diversification.
Selling stocks, funds, or crypto at a profit has tax consequences that many retail investors discover too late. Here's a clear breakdown of how taxation works in Spain in 2026.
Connecting your bank to a finance app can raise understandable doubts. Here's a plain-language explanation of what Open Banking is, who regulates access to your data, and exactly what an app can — and can't — do with your account.
Today you can incorporate a Spanish Sociedad Limitada (SL) entirely online, without a mandatory business agency and with just €1 in capital, thanks to the CIRCE system and its PAE Virtual platform. Here's the step-by-step process.
Many people give up tracking their expenses because they associate it with a tedious spreadsheet. Here's why that's not the only option, and what alternatives exist to manage your money without relying on Excel.
Investing in assets denominated in different currencies adds an extra layer of complexity — and opportunity — to your portfolio. Here's how to organize it, manage currency risk, and avoid the most common mistakes.
One of the most common dilemmas when getting your finances in order is deciding whether to save for emergencies first or start investing right away. Here's how to prioritize based on your actual situation.
Small daily expenses seem harmless one at a time, but together they can quietly eat away a huge chunk of your savings potential. Here are 5 signs to help you spot them before they become an expensive habit.
You don't need thousands saved up to start investing. Here's how to take your first steps in 2026 with little capital, what options exist, and which early mistakes to avoid.
The 50/30/20 rule is one of the simplest budgeting methods out there: 50% to needs, 30% to wants, and 20% to savings and investing. Here's how to apply it realistically, even if your numbers don't fit perfectly.
Earning more doesn't always mean saving more. Here's why tracking and cutting your expenses usually has a bigger, faster impact on your savings than a raise — and how to start today.
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