| 📋 Regulation | Decision (EU) 2026/567 of the European Central Bank of 5 March 2026 on the total amount of annual supervisory fees for 2025 (ECB/2026/7) |
|---|---|
| 📅 Publication | 18 March 2026 |
| ⏰ Entry into force | 5 March 2026 |
| 👥 Affected parties | Credit institutions and banks under the supervision of the European Single Supervisory Mechanism (SSM) |
| 🏛️ Category | European Regulation |
| 📆 Reference period | 2025 |
The European Central Bank (ECB) has published Decision (EU) 2026/567 of 5 March 2026, determining the total amount of annual supervisory fees for the 2025 financial year. This decision, published in the Official Journal of the European Union on 18 March 2026, is a key step in the operation of the Single Supervisory Mechanism (SSM) and has direct implications for all supervised credit institutions across Europe, including those in Spain.
If your institution is under the direct supervision of the ECB or indirect supervision through the Banco de España within the SSM framework, this regulation is relevant to your financial and accounting planning. Below, we explain everything you need to know.
What does this regulation establish?
Decision (EU) 2026/567 sets the aggregate amount of annual supervisory fees that the ECB charges credit institutions for the 2025 financial year. These fees are the mechanism by which the ECB finances its banking supervisory activities within the SSM.
The calculation of this total amount is based on the actual costs incurred by the ECB in carrying out its supervisory functions throughout 2025. Once this global amount is established, individual contributions are determined for each supervised institution, based on its size and systemic importance.
It is important to note that this decision operates within the framework of the Single Supervisory Mechanism, the European banking supervision system that brings together the ECB and the national competent authorities of eurozone countries. In Spain, the Banco de España acts as the national competent authority within this mechanism.
The regulation distinguishes between two types of supervised institutions:
- Significant institutions: directly supervised by the ECB.
- Less significant institutions: indirectly supervised, with the national competent authority as the primary point of contact, albeit under the general oversight of the ECB.
To find out the exact amounts and individual distribution criteria, it is recommended to consult the original regulation, as the specific data for each contribution depends on variables specific to each institution.
Who is affected and how?
This decision applies exclusively to credit institutions and banks that fall under the supervision of the European Single Supervisory Mechanism. This includes both large Spanish banking groups directly supervised by the ECB and smaller institutions indirectly supervised through the Banco de España.
In practical terms, the impact translates into the following aspects:
- Payment obligation: Affected institutions must pay their individual supervisory fee contribution, calculated from the total amount set by this decision.
- Financial planning: The publication of this total amount allows institutions to adjust their accounting provisions and budget planning for the corresponding financial year.
- Supervisory transparency: The decision reinforces system transparency by making public the total cost of European banking supervision for 2025.
It is important to emphasise that this regulation has no direct impact on non-financial companies, self-employed individuals or citizens. Its scope is strictly limited to the banking sector supervised under the SSM.
What should you do to comply?
If your institution falls within the scope of this decision, we recommend following these steps to ensure compliance and sound financial management:
- Review the individual ECB notification: The ECB or the national competent authority will communicate to each institution its individual supervisory fee contribution for 2025. Ensure that your finance and compliance departments are aware of this communication.
- Verify accounting provisions: Check that the provisions recorded in your accounts for the 2025 financial year are consistent with the fee amount applicable to your institution.
- Consult with the compliance department: The compliance team should review Decision (EU) 2026/567 in its complete version to ensure that all internal procedures are aligned with the established requirements.
- Coordinate with the Banco de España where applicable: Less significant institutions should maintain fluid communication with the Banco de España as the national competent authority within the SSM.
- Consult the original regulation for specific details: To find out payment deadlines, the exact criteria for calculating individual contributions and any other technical details, it is essential to refer to the official source of the decision.
❓ Frequently asked questions
What is Decision (EU) 2026/567 of the ECB?
It is the decision by which the European Central Bank sets the total amount of annual supervisory fees for the 2025 financial year, within the framework of the Single Supervisory Mechanism (SSM).
Which institutions does this ECB decision affect?
It affects significant and less significant credit institutions directly or indirectly supervised by the ECB within the SSM framework, including Spanish institutions supervised by the Banco de España under this mechanism.
How is the amount of supervisory fees calculated?
The total amount is calculated based on the actual costs incurred by the ECB in its supervisory functions during 2025. Individual contributions for each institution are then determined from this aggregate amount.
When did this decision enter into force?
Decision (EU) 2026/567 entered into force on 5 March 2026, although it was officially published on 18 March 2026.
Does this regulation affect non-financial companies or citizens?
No. According to the regulation itself, this decision has no direct impact on non-financial companies or citizens. Its scope is limited exclusively to credit institutions under SSM supervision.
Official source
You can consult the full text of the regulation in the Official Journal of the European Union via the following link:
📄 View full regulation at official sourceDisclaimer: This article is for informational purposes only and does not constitute legal advice. For decisions specific to your situation, please consult a qualified professional. Original source: https://eur-lex.europa.eu/./legal-content/AUTO/?uri=OJ:L_202600567