Si tienes dinero en neobancos, acciones en brokers extranjeros o criptomonedas fuera de España, marzo es el mes clave. El modelo tributario 720 es una de las declaraciones que más dudas genera, y este 2026 Hacienda ha intensificado el foco en las plataformas digitales.

En esta guía te explicamos qué es el modelo 720, quiénes están obligados y cómo presentarlo paso a paso para evitar sanciones.

¿Qué es el Modelo 720 y por qué es obligatorio?El modelo tributario 720 es una declaración informativa sobre bienes y derechos situados en el extranjero. Su objetivo principal es la lucha contra el fraude fiscal internacional y permite a la Agencia Tributaria conocer el patrimonio de los residentes fiscales en España fuera de nuestras fronteras.

Es importante destacar que no es un impuesto en sí mismo (no tendrás que pagar por presentarlo), pero no hacerlo o hacerlo tarde conlleva multas severas. Si necesitas ayuda técnica, en modelo-720.com encontrarás herramientas para simplificar este proceso.

Modelo 720: Cuándo se presenta en 2026El plazo para presentar el modelo 720 en Hacienda es estricto: se debe realizar entre el 1 de enero y el 31 de marzo de cada año, con respecto al ejercicio anterior.

Fecha límite: 31 de marzo de 2026.

Formato: Exclusivamente telemático a través de la sede electrónica de la AEAT.

¿Quiénes son los obligados al Modelo 720?Muchos ahorradores se preguntan: "¿Cuándo es obligatorio presentar el modelo 720?". Estás obligado si eres residente en España y superas los 50.000 € en cualquiera de estos tres bloques a 31 de diciembre:

Cuentas en entidades bancarias (ej. Revolut, N26).

Valores, derechos, seguros y rentas (ej. Acciones en DEGIRO o eToro).

Bienes inmuebles en el extranjero.

Nota importante: Si ya lo presentaste en años anteriores, solo hay cuando hay que volver a presentar el modelo 720 si el valor de tus activos ha incrementado en más de 20.000 € respecto a la última declaración o si has cancelado la titularidad de algún bien.

El caso de Trade Republic y el Modelo 720Si usas plataformas de inversión modernas, probablemente busques información sobre el modelo 720 Trade Republic. Al ser un bróker con sede en Alemania, los fondos que mantienes en su cuenta de efectivo (que genera intereses) y tus acciones se consideran activos en el extranjero.

¿Debo declararlo? Solo si la suma de tus activos en el extranjero supera los 50.000 €.

¿Qué datos necesito? El IBAN alemán de tu cuenta y el saldo medio del último trimestre.

Lo mismo aplica si utilizas Revolut, DeGiro o eToro. La baja dificultad de este trámite en 2026 no debe hacerte confiar: Hacienda cruza datos de forma automática.

Cómo presentar el Modelo 720 en la AEAT (Tutorial rápido)Para realizar el trámite de forma oficial como aeat modelo 720, sigue estos pasos:

Accede a la Sede Electrónica de la Agencia Tributaria.

Identifícate con Cl@ve Pin, Certificado Digital o DNI electrónico.

Selecciona el apartado de "Presentación de declaraciones informativas".

Rellena los datos identificativos y desglosa los bienes por bloques.

Valida y firma el envío.

Si el proceso te resulta complejo, puedes consultar la guía detallada en modelo-720.com, donde desglosamos cada casilla para que no cometas errores de forma.

Preguntas Frecuentes (FAQ)¿Para qué es el modelo 720?Sirve para informar a Hacienda sobre la tenencia de bienes en el extranjero y prevenir la evasión fiscal.

¿Es obligatorio el modelo 720 para criptomonedas?Desde 2024, existe el modelo 721 específico para criptoactivos, aunque para ciertos supuestos de cuentas bancarias vinculadas, el 720 sigue siendo relevante.

¿Qué pasa si presento el modelo fuera de plazo?Aunque las multas se han suavizado por la justicia europea, presentarlo tarde voluntariamente conlleva recargos, y si Hacienda te requiere primero, las sanciones pueden ser considerables.

¿Necesitas más información o una herramienta que te ayude con el cálculo? Visita modelo-720.com y asegúrate de cumplir con tus obligaciones fiscales antes del 31 de marzo.

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