ES · Expiry & renewal tracking
Estate agent client-money guarantee in Catalonia
To practise in Catalonia, an estate agent must take out and keep in force a guarantee, as surety insurance or a bond, covering client money received until it reaches its recipients (Article 55.3.c of Catalan Law 18/2007; Articles 6 and 7 of Catalan Decree 12/2010). It must remain valid for as long as the agent trades.
This page applies only to estate agents working in Catalonia, Spain, whether from premises open to the public or remotely from Catalonia. To practise, an agent must take out and keep a permanently valid guarantee covering the money received in the course of its brokerage until it is passed to the recipients (Article 55.3.c of Catalan Law 18/2007; Article 6.1 of Catalan Decree 12/2010).
The guarantee is a surety insurance or bond with an authorised insurer or financial institution from Spain or another EU state, and it can be taken out directly or collectively through professional associations (Article 7). The minimum amount depends on whether the agent has premises open to the public or works only online, and is set per premises or per agent and year of cover (Article 8).
The guarantee is called on by express agreement between the person who paid the money and its recipient, or by a final court judgment, arbitration award or administrative decision (Article 9). The agent must tell anyone who asks at least the name of the provider and the guarantee's reference number (Article 6.2).
At a glance
| Scope | Estate agents working in Catalonia (Article 2 of Decree 12/2010) |
|---|---|
| Obligation | Take it out and keep it in force throughout the activity (Article 6.1) |
| What it covers | Money received until it is passed to the recipients (Article 6.1) |
| Forms | Surety insurance or bond, individual or collective (Article 7) |
| Minimum amount | Per premises open to the public, or per agent if online only, per year of cover (Article 8) |
| Customer information | Provider and reference number, on request (Article 6.2) |
Who is responsible?
The estate agent, individual or company, working habitually and for payment in Catalonia (Article 55.1 of Law 18/2007; Article 2.1 of Decree 12/2010). Registered agents must update their data whenever it changes (Article 20.1).
If the deadline passes
Working as an estate agent without meeting the legal requirements is a serious consumer-protection offence (Article 124.2.b of Law 18/2007). Failing to meet the registration requirements leads, after a hearing, to cancellation of the registration (Article 21.2 of Decree 12/2010), and a serious or very serious penalty means temporary removal from the register for the duration of the disqualification (Article 116.1 of the Law).
No fixed legal term
The rules set no term for the guarantee: it must be in force throughout the activity. The date that matters is the end of the cover period of the policy or bond you have taken out.
Tracking it with ExpirySuite
- Add the guarantee with the end date of the cover period shown on the policy or bond.
- Email reminders arrive 60, 30, 14, 7 and 1 day before and on the day itself. That leaves time to renew it without a single day uncovered.
- The insurer or professional association can upload the certificate through a secure link that is valid for 14 days and needs no account.
- Assign a responsible person, such as the office manager; emails arrive in each recipient's language. If a date passes, managers get further reminders 3, 7 and 14 days later.
Frequently asked questions
- Does an estate agent in Catalonia need a guarantee?
- Yes. It must take out and keep in force a guarantee covering client money it receives (Article 55.3.c of Law 18/2007; Article 6.1 of Decree 12/2010).
- What form can it take?
- Surety insurance or a bond with an authorised provider, taken out directly or collectively through a professional association (Article 7).
- How long does it last?
- The rules set no term; it must be in force throughout the activity (Article 6.1). Record the end date of the policy or bond.
- Does it apply outside Catalonia?
- No. It is a Catalan requirement for agents working in Catalonia.
Sources
- Decret 12/2010, de 2 de febrer, requisits per exercir l'activitat d'agent immobiliari i Registre d'Agents Immobiliaris de Catalunya: articles 2, 5 a 11, 18, 20 i 21 (Portal Jurídic de Catalunya, text consolidat)
- Llei 18/2007, de 28 de desembre, del dret a l'habitatge: articles 55, 116 i 124 (Portal Jurídic de Catalunya, text consolidat)
Last checked: Oct 1, 2026 · This page summarises official sources for general information and is not legal advice. Check the linked sources for current rules and fees.
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Email alerts at 60, 30, 14, 7 and 1 day before each estate agent client-money guarantee, Catalonia (Spain) expires, plus overdue escalation to managers.
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