Nothing to declare?

Definitely the representative before Sepblac: the Regulation asks that you be able to evidence that they have received adequate external training (art. 39.4). For everyone else, article 29 of the Act speaks of ‘their employees’, and they are the ones who identify the customer, detect what does not add up and have to know to keep quiet. The sensible course is to train everyone who deals with customers or their transactions.

With fewer than 10 people and up to €2 million, the Regulation exempts you from written procedures, the documented risk analysis, the manual, the external review and the annual training plan (arts. 31, 32, 33, 38 and 39). You remain bound by everything else: identifying, knowing the beneficial owner, reviewing, reporting, not tipping off, keeping records for ten years, appointing a representative and evidencing that the representative has received adequate external training (art. 39.4). On the training of the rest of the team: article 29 of the Act requires employees to know their obligations and contains no exception; Sepblac’s website presents these businesses as exempt from the annual plan and leaves the representative’s training as the requirement; whoever deals with the customer applies in person obligations from which nobody is exempt; and from 10 July 2027 article 12 of Regulation (EU) 2024/1624 requires continuing, documented training from every obliged entity, with no size threshold.

The representative module is designed for that: it is delivered by a third party, focuses on their functions (the role, the special review, the suspicious transaction report) and ends with an exam and a dated named accreditation. Whether it is ‘adequate’ is for the supervisor to judge: nobody can guarantee it in advance, and you should be wary of anyone who does.

No, neither this one nor any other: approval does not exist. Sepblac itself says so in its frequently asked questions: the law ‘does not oblige these courses to be bought externally, nor does it specify who must deliver them. Nor does it establish criteria for approval or validation of training programmes’. The accreditation is a Formativia diploma, verifiable, and it says exactly what it evidences.

‘Annual’ is only literal for whoever must have an annual training plan: 10 or more people, or more than €2 million. For small businesses, neither the Act nor the Regulation sets how often the representative is trained. The Formativia accreditation carries the date and the syllabus version and is valid for 12 months on the platform because the rules change: in July 2027 the European regulation starts to apply, and it speaks of continuing training.

Monoplaza: one seat. For an individual business owner or professional, the representative before Sepblac is the owner of the activity, so the course includes for you the module for your sector and the representative’s.

Their named accreditation when they pass: course, hours, date, syllabus version, sector and score, with a code that anyone can check at formativia.com/verificar.

They have two attempts, with twelve hours between them to revise. If they use up both, you can give them another from the control tower.

The platform is in Spanish, Catalan and English. Each person chooses theirs; if a syllabus language is not yet published, they see it in Spanish.

We do not advertise it as subsidisable. The market says all sorts, from “100% subsidisable” to the claim that training required by law cannot be subsidised, and we have not found an official criterion that settles it. Ask your gestoría; we do not process it.

They are two separate purchases, each with its own control tower. The AI one is for any company whose team uses AI at work.