Requesting CIRBE from the Bank of Spain: Guide and Steps to Follow
Patrick Gordinne Perez2025-02-02T20:04:30+00:00The CIRBE application is a very important part of a loan application. The Cirbe is an essential document if you wish to obtain a mortgage.
The Cirbe is requested by the bank, so you don’t have to do anything.
But I think you need to think ahead when applying for a loan.
In other words, you need to think ahead so that you can prepare the documents properly, and that’s why applying for the CIRBE from the Bank of Spain is fundamental to your loan application strategy.
Requesting the CIRBE from the Bank of Spain is relatively easy.
In this article, we’ll show you how to apply for the Cirbe at the Bank of Spain.
What is the CIRBE and its importance
CIRBE, or the Central Credit Register of the Banco de España, is a fundamental register for the transparency and management of credit in the financial system.
Its relevance lies in how it contributes to the assessment of solvency and risk management in loans and credit.
Definition of CIRBE
The Central Credit Register of the Banco de España is a database that compiles information on the debts that individuals and legal entities have with financial institutions.
This database includes loans, credits and any type of financial risk that a customer has faced in its relationship with banks.
The CIRBE not only collects the data reported by banks, but also provides a clear and complete picture of the financial situation of individuals or companies with respect to their credit obligations.
Why is the CIRBE report important?
The CIRBE report is crucial for several aspects related to financial management:
- Solvency Assessment: It provides financial institutions with accurate information about an applicant’s credit health, enabling more informed decision-making.
- Default Prevention: By having access to their report, a user can identify potential financial problems before they become defaults that affect their credit history.
- Risk Management: Facilitates assessors to manage risk by providing a complete picture of the applicant’s financial commitments.
Uses and benefits of the report
The report issued by CIRBE offers multiple benefits to both individuals and companies, among which the following can be highlighted:
- Self-awareness: It allows users to know their current financial situation and better understand their debt burden.
- Inconsistency correction: If data errors are detected, those affected can initiate a rectification process to keep their credit history clean.
- Preparing for credit applications: Having an up-to-date report can be key to submitting applications for loans or other financial needs.
Reasons for requesting a CIRBE Report
Requesting the CIRBE report is justified for multiple reasons, as it provides essential information on the personal or business financial situation.
This analysis is, I would say, fundamental for proper credit and financial management.
Personal and financial knowledge
The first reason to request the CIRBE report is to obtain a clear understanding of the current financial situation.
This report details all debts and risks associated with banking entities, allowing users to be aware of their solvency.
Through the consultation of this report, vital aspects can be discerned such as:
- Information on outstanding debt balances.
- Assessment of payment capacity compared to income.
- Analysis of the types of loans taken out and their evolution.
Knowing these aspects helps individuals and companies to make more informed decisions on future loans or investments, enhancing financial health.
Correcting data errors
Correction of errors is another primary reason for requesting the report.
Sometimes the data recorded in the CIRBE may contain inaccuracies that negatively affect the perception of creditworthiness.
By having access to the report, holders can:
- Identify any blemishes or duplicities in registered debts.
- Request the rectification of erroneous information directly to the corresponding entities.
- Avoid future problems in obtaining financing or in the evaluation of their credit profile by banks.
In this way, the report acts as a tool to control the information that financial institutions handle on their clients.
Preparation for credit applications
Finally, the CIRBE report is key for the preparation of future credit applications.
Before asking for a loan or a credit line, it is advisable to review this document in order to anticipate the banks’ reactions.
With an up-to-date and accurate report, you can:
- Submit stronger and more justified applications.
- Improve the likelihood of approval by demonstrating clear knowledge and control over one’s own risk situation.
- Adequately plan the amount to apply for, adjusting to actual repayment capacities.
This preparation is essential to obtain more favourable conditions in accessing credit, avoiding unpleasant surprises in the process.

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Ways to request a CIRBE Report
There are different ways to request the CIRBE report, each adapted to the needs of the users.
The three options available are described below: online application, in-person application and application by post.
Online application
The online application is presented as the most agile and direct method.
It allows applicants to obtain their report quickly, without the need for physical travel.
Requirements for electronic application
To carry out an online application, it is essential to have certain requirements, among them:
- A digital certificate or electronic ID.
- Internet access to browse the Banco de España Virtual Office.
These requirements ensure that the applicant’s identification is properly verified during the process.
Online processing procedure
The procedure for requesting the CIRBE report online includes several simple steps:
- Accessing the Banco de España’s Virtual Office via its website.
- Select the option ‘Request for CIR reports and claims’.



- Fill in the corresponding form with all the requested data.
- Attach the necessary documentation, such as digital certificate or electronic ID.
- Submit the application after verifying that all the information is correct.
- Receive a confirmation of the status of the application and save an acknowledgement of receipt.
This method ensures that applicants receive their report within a short period of time.
Face-to-face application
A face-to-face application is another viable option, which requires a visit to one of the branches or to the Banco de España’s head office.
You need to make an appointment at this link to apply for the Cirbe in person.
This method may be preferred by those who are looking for face-to-face dealings.
Banco de España branches available
The Banco de España has many branches in different locations. The branches are accessible for the processing of reports. It is advisable to consult in advance which are the closest or most convenient.
Necessary documentation and prior appointment
In order to apply in person, it is crucial to present the appropriate documentation and, in many cases, to make an appointment in advance to avoid long waits. The necessary documentation includes:
- A valid identity document (DNI, NIF, passport).
- Form ‘FDU-031 Request for Risk Reports to the Central Risk Office’, which can be obtained at the branch.
Appointments can facilitate management and ensure that users are dealt with more quickly.
Application by post
Sending the application by post is an alternative option for those who prefer to avoid travelling.
This method allows the application to be processed from the comfort of your own home.
Banco de España postal address
It is necessary to send the request to the corresponding address of the Banco de España, which is authorised to receive these procedures.
CENTRAL CREDIT REGISTRY
- Postal address:
Central de Información de Riesgos
Alcalá 48
28014 Madrid.
Ensuring that the letter is correctly addressed is essential to avoid delays in delivery.
Documentation required for mailing
The postal application requires all relevant documentation to be included, as with the other methods. It is essential to enclose
- The duly completed application form.
- A copy of the applicant’s identification document.
Once the application is submitted, the response time may vary, but generally the report is received within a reasonable time.
Requirements and Necessary Documentation
In order to apply for a CIRBE report, it is essential to meet certain requirements and submit the appropriate documentation.
This information will vary depending on whether the applicant is a natural or legal person, as well as on the chosen method of application.
Valid identification documents
One of the key aspects of applying for the report is the presentation of identification documents.
The applicant is required to provide proof of identity.
Accepted documents include:
- DNI
- NIF
- Passport
- NIE
- Any other valid personal identification document
Natural and legal persons: differences
Documentation requirements may vary depending on whether the applicant is a natural or legal person.
Each type of applicant has different specifications that must be fulfilled.
Natural persons: compulsory documentation
Natural persons must submit their identification document together with the application.
This ensures that the applicant’s identity is properly verified.
It is important to note that no additional documentation is required in this case, unless the applicant acts through a representative.
Legal persons: representative and powers of attorney
For legal persons, the situation is a little more complex. In this case, the following must be submitted:
- Identification of the signatory of the application.
- Documentation accrediting the signatory’s power of attorney to act on behalf of the entity.
This may include powers of attorney or any other type of document that validates the representation.
This ensures that the procedure is carried out properly and in accordance with the regulations in force.
Electronic signature and digital certificates
When applying online, the use of an electronic signature or digital certificate is required.
This requirement is essential to validate the application and ensure that the process is carried out securely.
Applicants must ensure that these documents are valid and up to date to avoid any inconvenience.
Electronic signatures provide an additional layer of security and authenticity to the process, which facilitates the efficient handling of applications.
Resolution Deadlines and Access to Reports
The resolution times for accessing the CIRBE report are essential to understand how quickly information on the financial situation can be obtained.
Knowing these times allows applicants to better plan their financial arrangements and decisions.
Typical times for each method
The timescales for receiving the CIRBE report vary according to the method used for the request.
Below are the approximate times for each option:
- Online Application: This is the most efficient method. Applicants can access their report within minutes. Generally, reports for the latest available date can be obtained in about 15 minutes. For reports from earlier dates, the waiting time is one working day.
- In-person request: In the case of requesting the report in person, times may vary. Once the application is submitted with the necessary documentation, the report can be delivered immediately or sent by registered mail, which can extend the waiting time to several days.
- Application by Mail: This method is the slowest. The request may take longer to process due to the time required for sending and receiving the request. In general, it is estimated that the report can be made available within ten working days of receipt of the request at the Banco de España.
Access to risk reports
Access to risk reports is a right for both natural and legal persons.
This ensures that applicants can learn about their financial situation and correct any errors that may affect their credit history.
Reports can be accessed through the methods mentioned above.
Transparency in this respect is essential for sound financial management.
In any case, it is advisable for the applicant to be aware of the receipt of the report, together with the necessary instructions in case errors or discrepancies are detected in the data provided.
In this way, prompt action can be taken to correct the information, ensuring that all debts recorded are accurate and reflect the financial reality of the applicant.