Best donation crowdfunding platforms in Spain
Which platform delivers the most of every euro to Spanish recipients — and what Hacienda expects from donors and fundraisers.
On €100 via Credit card, 4fund.com delivers €100.00 to the recipient.
“For a Spanish charity, the strongest pick pairs a Bizum-ready checkout with automated Ley 49/2002 donation certificates and EEA data residency — the combination that captures mobile giving and lets donors claim their 80% deduction without friction.”
Giving in Spain
Dominant payment methods, the local currency, regulators, and the tax regime — the context that decides which platform actually serves a campaign here.
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.
Top platforms for Spain
Ranked by how much of every 100 donated reaches the recipient under the local method (switch it to see the ranking move). We exclude platforms without Trustpilot reviews; the full catalogue is on the index.
| # | Platform · best for | Recipient gets · per 100 | Trustpilot | Countries | Residency |
|---|---|---|---|---|---|
| 1 |  | €100.00 card rate* | 3.9/5 | 30 ctry | — |
| 2 |  | €96.85 2.9% + €0.25 | 4.2/5 | 36 ctry | EEA |
| 3 |  | €96.80 2.9% + €0.30 | 3.3/5 | 20 ctry | US |
| 4 |  | €96.80 2.9% + €0.30 | 4.9/5 | 115 ctry | EEA |
| 5 |  | €94.55 5.15% + €0.30 | 4.0/5 | 23 ctry | — |
| 6 |  | €92.80 6.9% + €0.30 | 4.0/5 | 56 ctry | — |
| 7 |  | €92.20 7.8% | 4.8/5 | 29 ctry | — |
| 8 |  | €87.10 12.9% | 2.6/5 | 32 ctry | — |
Donation & taxes
The two questions readers most want answered — laid out as separate tracks so a donor and a fundraiser each find their own.
Tax is the reason many people land here. We split it cleanly: what a donor can deduct, and what a fundraiser might owe.
Researched · verified · 2026-06-02Is my gift tax-deductible?
Gifts to a charity covered by Ley 49/2002 are deductible on Spanish income tax (IRPF): 80% on the first €250 and 40% on the rest, with the deduction base capped at 10% of your taxable base (base liquidable).
- 80% on the first €250. The first €250 of your annual giving to Ley 49/2002 entities is deductible at 80% — one of Europe's most generous starting rates.
- 40% on the rest. Anything above €250 is deductible at 40%. The whole deduction base is capped at 10% of your base liquidable (taxable base).
- 45% for loyal donors. If you gave the same or more to the same entity for the two prior years, the rate on the excess over €250 rises to 45% from the third year (reduced from four years in the 2024 reform).
- The cause must qualify. The recipient must be a Ley 49/2002 entity (fundación, asociación de utilidad pública or ONGD) that files Modelo 182. Gifts to private individuals are not deductible.
| Part of the gift | Deduction |
|---|---|
| First €250 | 80% |
| Above €250 | 40% |
| Above €250 · loyal donor (3rd year +) | 45% |
- First €250 (80%)
- €200 back
- Next €50 (40%)
- €20 back
- Total IRPF relief
- €220
Do I owe tax on what I collect?
It depends who you are. A registered charity is treated very differently from an individual receiving gifts — and for individuals the rules are regional.
- Individuals face gift tax (ISD). Money received as a genuine gift falls under the Impuesto sobre Sucesiones y Donaciones, not income tax — but the donee, not the donor, is liable.
- It varies a lot by region. ISD is ceded to the autonomous communities, so the burden differs sharply by territory — some apply large bonificaciones, others tax donations to unrelated parties heavily.
- If it's really income. Payment for goods, services or a business activity is income (IRPF), not a gift, and can trigger IVA (VAT).
- Charitable status changes everything. A Ley 49/2002 entity receives donations free of tax and can issue deductible certificates — worth registering past a certain scale.
| Your situation | Likely treatment |
|---|---|
| Individual receiving gifts | Gift tax (ISD) — varies by region |
| Registered charity (Ley 49/2002) | Exempt, with conditions |
| Rewards or goods given in return | May be income / VAT |
| Ongoing commercial activity | Taxable income |
- Set by
- your autonomous community
- Donee is liable
- the person receiving
- Ley 49/2002 charities
- Exempt
This isn't tax advice. Spanish gift tax (ISD) turns on your autonomous community and the relationship between donor and donee — confirm your situation with the Agencia Tributaria or your regional authority before you file.
Local payment methods
How donors in Spain actually pay — and why the method matters as much as the platform.
The default Spanish online method. Percentage-based fees, so larger gifts cost more in absolute terms.
Instant bank-to-bank, hugely popular and the de-facto donation rail for Spanish NGOs — supporters give in seconds from their banking app via a short donation code.
Common for one-off online gifts and cross-border donors; fee structure typically sits above card.
Recurring and pledge giving — the model behind micro-donor platforms like Teaming (€1/month).
Fast-growing on mobile checkout — wraps a card, so card fees apply.
Spain is a card market by volume, but Bizum is where impulse and mobile giving happen — a platform that supports it captures donations a card-only checkout would lose, and bank-to-bank settlement is typically cheaper per euro than card rails.
Frequently asked
Platform and tax questions, together — because most people arrive with one of each.
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.
Other countries
Same methodology, different jurisdiction.
Rankings are produced by a public editorial methodology — open to peer review. We disclose ownership, scoring weights, and every change.