Invoice US clients cleanly. Get paid without SWIFT drama.
Open a conversion account from Spain with US payment details for American clients. Issue compliant invoices (IVA treatment depends on your gestor), then collect via everyday ACH. Hold stablecoin or off-ramp when it fits your cash-flow plan.
From invoice to balance
How getting paid with SwiftFi works
Your US clients pay the way they’re used to: everyday ACH. You get one place to receive funds, then hold stablecoin for lower fees and faster payments—or off-ramp if you prefer not to.
Open your conversion account
Create your SwiftFi profile and complete identity verification online from Spain.
Share US details
Send your client the routing and account details shown in your dashboard.
Get paid, then choose
Your US clients pay the way they’re used to: everyday ACH. Hold stablecoin for lower fees and faster payments, or off-ramp if you prefer not to hold stablecoin.
How SwiftFi pays Spain faster
Your conversion account is a US account. After clients pay, hold the funds as stablecoin, or route them directly to your Spain account.
Recommended for speed & fees
Hold stablecoin
Keep balances as stablecoin for lower fees and faster payments after your US client pays by ACH.
Off-ramp · SEPA
EU bank rail
Prefer not to hold stablecoin? Off-ramp via SEPA to your local bank account.
SwiftFi debit cards
Spend from your balance with a SwiftFi debit card—same portal, fewer hops. Get notified the moment cards launch.
Spain, updated for 2026
Facturar bien primero. Cobrar después.
Spanish autónomos and SLs serving US clients must align Hacienda rules (IVA, clave de operación, retenciones when applicable) with how money actually arrives. Export of services to clients outside the EU often has specific IVA treatment—your gestor confirms the invoice text and reporting.
Review Agencia Tributaria guidanceFinancial information, not tax advice
Rules can change and each situation is different. Confirm IVA, IRPF, and Modelo 347/349 obligations with a Spanish gestor before scaling US client revenue.
Freelancer checklist
Before the first ACH
Confirm payment terms in writing
Put the amount, currency, due date, scope, and who absorbs payment costs in writing.
Prepare the export invoice
Use SwiftFi Invoices or your gestor-approved software so each US payment matches a numbered invoice and tax treatment.
Match payment details exactly
Use the beneficiary name, routing number, account number, and reference shown in SwiftFi.
Keep an audit trail
Save the contract, invoice, payment confirmation, and account statements together.
Built around Spain ↔ US work
For Spain’s US-facing independents
Independent freelancers
Invoice retainers, projects, and milestones without asking a US client to navigate an international wire.
Remote contractors
Give US payroll or accounts-payable teams familiar account details for recurring contractor payouts.
Studios and small agencies
Keep client-facing payment instructions consistent while your local team delivers globally.
Spain payment guide
Facturación and USD collection for autónomos
Pair Hacienda-ready invoicing with US ACH collection so American clients pay the familiar way.
Explore SwiftFi InvoicesCommon questions
Getting paid from the US in Spain
Straight answers for autónomos and remote contractors in Madrid, Barcelona, and across Spain.
Can freelancers in Spain receive payments from US clients?+
Yes. Spanish freelancers can invoice US clients and receive international payments. The right setup depends on how the client pays, where the funds settle, and your tax situation. SwiftFi provides eligible users with US payment details so clients can send a familiar domestic ACH transfer.
Do I need to live in the US to get US payment details?+
No US residency is required to apply for SwiftFi. Account availability is subject to identity verification, compliance review, and jurisdiction-specific eligibility.
What details does a US client need to pay me by ACH?+
A client generally needs the account holder name, routing number, account number, account type, and any payment reference shown in your SwiftFi account. Always copy the details exactly as displayed.
What invoice do Spanish autónomos issue to US clients?+
Typically a factura with the correct IVA treatment for services to clients abroad (often not subject or reverse-charge scenarios for B2B). Exact wording and clave depend on your régimen. Your gestor should validate each client type.
Can Spanish autónomos invoice in USD?+
Commercial terms can be in USD; tax reporting generally uses euros at the applicable exchange rate. Keep invoice currency, contract, and payment confirmation aligned.
Is SwiftFi a bank?+
No. SwiftFi is a financial technology company. Virtual accounts, custody, and on/off-ramp services are provided by licensed partners, and availability varies by jurisdiction.
Local guides
Explore Spain by city
US payment guide
Guías en español
Long-tail guides for Spain
Crawlable Spanish pages for high-intent searches—separate from this English guide. Ver índice en español