In Spain, the Banco de España’s Circular 6/2001 says what a currency exchange office must display: the rates, the commissions and a permanent notice board.
An exchange office (establecimiento de cambio de moneda, usually called a casa de cambio) needs the Banco de España’s authorisation, and the bank inspects it (Real Decreto 2660/1998, articles 6 and 10). It sets its own rates freely but must publish them as the circular says; Circular 4/2020 rewrote Norma 9ª, so guides written before 2020 can be out of date. Checked against the consolidated texts in the Boletín Oficial del Estado in October 2026; not legal advice, so confirm what applies to you with the Banco de España or a lawyer.
What your board must show
For offices that buy and sell, as most high-street and airport offices do (Norma 9ª).
Buy and sell rates
Your minimum buy and maximum sell rate for each main currency, for amounts up to €3,000.
Commission as prominent as the rates
Commissions and minimum charges, in plain words, as easy to see as the rates.
A permanent notice board
The tablón de anuncios: rates, how to complain, a dispute resolution body, a copy of your authorisation.
Your name first
A network or franchise name smaller than your authorised office’s own.
Paper before and after
A written breakdown before each exchange, a settlement document after.
No “no commission”
No rule names it, but with your margin in the rate it does not help customers compare. Leave it off.
What the rules say
Two kinds of office, two sets of rules: offices that only buy foreign currency (euros for foreign banknotes or traveller’s cheques) follow Norma 4ª; offices that also sell, or send money abroad, follow the stricter Norma 9ª.
Offices that buy and sell
- Rates: minimum buy and maximum sell rates of the main currencies, or a single rate, up to €3,000. Norma 9ª.1.1
- Commissions: minimums included, as prominent as the rates, catching the eye, described simply so customers can compare offices. Norma 9ª.1.2
- Notice board: permanent, prominent and visible in every premises, with (1) rates, commissions and charges; (2) customer service and how to complain; (3) at least one dispute resolution body accredited under Ley 7/2017, and how to use it; (4) a reference to the transparency rules that apply; (5) a legible copy of the authorisation and your register number. Norma 9ª.1.4
- Also worth the board: a legible copy of the certificate of authorised operations and the register number “in a perfectly visible place”, and information on the Banco de España’s complaints service. Order of 16 November 2000, arts. 3.2 and 9.2
- Network brands: must not confuse customers about who they deal with, and less prominent than your office’s identity. Norma 9ª.3.2
- Before: the detailed rate and every charge, free, on paper or another durable medium, for express agreement. Norma 9ª.1.3
- After: a documento de liquidación (settlement document): amounts handed over and received, the rate, each commission and what it is for; a percentage shows its base and the result in euros. Norma 9ª.2
Offices that only buy
- Rates: minimum buy rates up to €3,000 with commissions and minimum charges, “in a perfectly visible place inside the premises”; explain any unclear charge. Norma 4ª.1
- Authorisation: no full notice board, but a legible copy of it and the register number beside the rates. Norma 4ª.3
- Shared premises: make clear which business provides the exchange. Norma 4ª.4
All offices
- Register: a daily register of operations with the customer’s identity document, kept for six years. Norma 8ª
- ID checks: for occasional operations of €1,000 or more, with closer checks above €6,000. Real Decreto 304/2014, art. 4
- Residents: above €6,010.12, a declaration on the Banco de España’s forms. An ID sign saves arguments but is not required.
- “No commission”: no rule written against it, unlike France and the UK, but Spanish consumer law forbids misleading advertising.
Can the notice board be a screen?
Neither text says paper or mentions screens, and we found no Banco de España guidance. Our reading: rates and commissions can be on a screen in the required place. The notice board must be permanent, and a screen that rotates or goes blank is a weak way to meet that, so keep the fixed items on a printed notice next to the screen and let the screen carry the rates.
How an easyCMS board covers it
| The rule | On an easyCMS board |
|---|---|
| Buy and sell rates | Side by side, buy first, unit next to the code, date of the rates |
| Commission as prominent | A commission line under the rates, as large as them |
| Rates that agree everywhere | One rates table feeds window, counter and website: reference rates plus your margins, or locked |
| Register number | The footer line can carry it |
| Permanent notice board | Not replaced: keep your authorisation and complaints details on paper next to the screen |
Pick a design from the exchange-rate board templates, or read more on the currency board. Other countries: display rules by country, France.