Forgery of Credit and Debit Cards

Debit and credit card fraud defense lawyer

Facing an accusation of debit and credit card fraud in Spain can be overwhelming. These charges, regulated under Article 399 bis of the Spanish Criminal Code, involve serious allegations such as falsifying, cloning, or using forged payment cards, and the penalties can be severe. At Chabaneix Abogados, we provide strategic, discreet, and personalized legal defense for individuals accused of credit or debit card fraud, helping you protect your rights, your reputation, and your future. 

Understanding debit and credit card fraud under Spanish law

Under Spanish law, debit and credit card fraud (falsificación de tarjetas de crédito y débito) includes: 

• Manufacturing or altering counterfeit cards. 
• Possessing forged cards with the intention of using or distributing them. 
• Using cloned or counterfeit cards to carry out transactions. 
• Selling, transferring, or distributing falsified payment cards. 

This type of fraud is considered a serious economic crime, often connected to organized crime or identity theft, and is punished with: 

• Prison sentences of 4 to 8 years, depending on the seriousness of the conduct. 
• Substantial fines based on the illicit benefit obtained. 
• Confiscation of the counterfeit cards and related devices. 

Because the penalties are so significant, and investigations often involve forensic IT evidence, financial records, and cross-border cooperation with Europol or Interpol, early legal intervention is critical. 

How we defend debit and credit card fraud cases

At Chabaneix Abogados, our defense strategy is built on technical precision and a human-centered approach. We understand that many accusations arise from misunderstandings, mistaken identity, or lack of knowledge about fraudulent activity. 

Our process includes: 

1. Detailed case analysis 

We examine financial records, police reports, and forensic evidence, identifying weaknesses or inconsistencies in the prosecution’s case. 

2. Challenging intent 

To convict you, prosecutors must prove intent to commit fraud. We work to show lack of intent, mistaken possession, or unlawful investigative methods. 

3. Tailored legal strategy 

Every case is different. Whether negotiating to reduce penalties or defending you at trial, we adapt our defense to your personal and professional circumstances. 

4. Protecting your reputation 

We handle every case with confidentiality, ensuring your professional and personal image are safeguarded throughout the process. 

Why choose Chabaneix Abogados?

Clients facing credit and debit card fraud charges trust us because we combine legal expertise with discretion and empathy. 

• Extensive experience in white-collar crime defense: including fraud, money laundering, and forgery of documents. 
• Specialization in Spanish criminal law: we know how courts, prosecutors, and police investigations operate. 
• Personalized defense strategies: we design a plan tailored to the facts of your case. 
• Client-focused service: you’re not just a case number; we listen, advise, and defend with care and determination. 

Take action now – protect your defense

If you are under investigation or charged with credit and debit card fraud, the time to act is now. The earlier you contact a defense lawyer, the stronger your chances of achieving a favorable outcome. 

• Schedule a confidential consultation with Chabaneix Abogados today 
• Private, discreet, and judgment-free advice
• Available in person or online 

Let us protect your rights, your reputation, and your future. 

Frequently Asked Questions about Credit Card Fraud

What is considered debit and credit card fraud in Spain?

It includes falsifying, altering, possessing, or using counterfeit payment cards, as regulated under Article 399 bis of the Spanish Penal Code.

What are the penalties for credit card fraud?

Penalties range from 4 to 8 years in prison and heavy fines, depending on the seriousness of the offense and the benefit obtained.

Can I be charged if I unknowingly used a counterfeit card?

If you had no knowledge that the card was forged, you may avoid criminal liability. Lack of intent is a key defense in these cases.

Are these crimes linked to organized crime?

Often, yes. Many cases are linked to organized groups or cross-border fraud networks, which can aggravate penalties.

Can charges of debit and credit card fraud be dropped?

Yes, if there is insufficient evidence, lack of intent, or procedural irregularities. Early legal intervention is vital to secure these outcomes.

At Chabaneix Abogados, we defend you with precision, discretion, and determination in cases of credit and debit card fraud. Contact us today for a confidential consultation.