# Donation crowdfunding · Spain

Which platform delivers the most of every euro to Spanish recipients — and what Hacienda expects from donors and fundraisers.

Spain is fundamentally a card market online — roughly 51% of online payments in 2024 were made by card — but the story that matters for giving is Bizum. The instant bank-to-bank rail is now used by around 60% of the population, and Spanish NGOs have made it the de-facto donation method, publishing a short Bizum donation code that supporters pay in seconds from their banking app. A platform that supports Bizum cleanly captures impulse and mobile giving that a card-only checkout loses.

Donations to a charity covered by Ley 49/2002 (fundaciones, asociaciones declaradas de utilidad pública and ONGD) earn the donor an IRPF deduction — 80% on the first €250 and 40% above it — which is generous by European standards. Most established Spanish platforms issue the certificado de donativo and file Modelo 182 with Hacienda so donors can claim it, but the donor and fundraiser sides of the tax question are very different, which is why this guide splits them below.

Crucially, donation crowdfunding sits outside the CNMV's participatory-finance (PFP) regime — that framework, supervised by the CNMV and the Banco de España, covers lending and investment, not gifts. Donation platforms instead operate under payment-services rules (Banco de España), charity oversight (the Protectorado de Fundaciones and the utility-public register) and data-protection law: the RGPD as implemented by the LOPDGDD, enforced by the AEPD.

## Facts

|  |  |
| --- | --- |
| Currency | EUR |
| Regulators | Banco de España, AEPD |
| Payment methods | card, bizum, paypal, sepa, apple-google-pay |

## Platforms

1. **4fund.com** — kr100.00/kr100 · Individuals, charities, and small organisations across the EEA who want a multilingual, no-commission fundraiser backed by an established Polish crowdfunding operator with EU payment-institution licensing.
2. **iHelp** — kr100.00/kr100 · Spanish nonprofits and donors who value vetted, legitimacy-checked causes and a commission-light giving model, and who are comfortable with a single Santander payment gateway and a smaller catalogue of campaigns.
3. **WhyDonate** — kr98.35/kr100 · EU nonprofits — 0% fee, Bizum-ready, Ley 49/2002 receipts
4. **iRaiser** — kr97.85/kr100 · Established European nonprofits, foundations, hospitals, and cultural institutions that want branded, self-hosted fundraising tools — forms, peer-to-peer, crowdfunding, and events — under their own identity.
5. **Coral** — kr96.85/kr100 · Spanish associations, foundations, and grassroots social or animal-welfare causes that want a zero-commission platform where donors can cover processing fees so the cause receives the full donation.
6. **Leetchi** — kr96.85/kr100 · Informal group collections
7. **GoFundMe** — kr96.80/kr100 · Personal causes — broad brand reach
8. **Donorbox** — kr94.55/kr100 · Embeddable forms with Spanish donation certificates
9. **Migranodearena** — kr93.55/kr100 · Spain-based nonprofits, companies, and individual fundraisers who want a high-reach solidarity crowdfunding marketplace with transparent, openly published fees, recurring-donation support, and Bizum, and who can accept monthly payouts.
10. **Fundraise Up** — kr93.50/kr100 · Mid-size and large nonprofits running international online fundraising that want to maximize donation conversion with modern wallets, local payment rails, and multi-currency checkout.
11. **GoGetFunding** — kr92.80/kr100 · Individual fundraisers running personal, medical, or emergency campaigns who prefer a fundraiser-paid platform fee over donor tipping, with broad international country availability.
12. **Chuffed** — kr92.20/kr100 · Nonprofits, social enterprises, and community-cause organisers in 29 supported countries who want a 100%-free, tip-funded platform and are willing to complete identity verification before launching.
13. **Steady** — kr87.10/kr100 · European creators, independent journalists, podcasters, and publishers who want recurring income from paying members rather than one-off donation campaigns.

## FAQ

### Which platforms work in Spain?

Donation-focused platforms operating in Spain include Migranodearena, Teaming, Goteo, Worldcoo, WhyDonate and the global GoFundMe. The strongest picks support Bizum, issue Ley 49/2002 donation certificates and file Modelo 182 so donors can claim their deduction.

### Are donations tax-deductible in Spain?

Yes, if the recipient is a charity covered by Ley 49/2002. Donors deduct 80% of the first €250 they give each year and 40% of the rest on their IRPF (45% on the excess for loyal donors after three years), with the deduction base capped at 10% of taxable income. Gifts to private individuals are not deductible.

### Will I be taxed on money I raise?

If you're an individual, gifts you receive fall under the Impuesto sobre Sucesiones y Donaciones (ISD), which is set by your autonomous community and varies widely. If you give goods or services in return it may be income or VAT instead. Charities registered under Ley 49/2002 receive donations exempt of tax.

### What's the cheapest way to receive donations here?

A platform that supports Bizum and passes its low bank-to-bank cost through. Card dominates by volume but carries percentage fees; Bizum captures the mobile and impulse giving Spanish donors increasingly default to, typically more cheaply per euro.