Compare countries

Two or three countries, side by side, one row per question. Pick up to 3.

Countries

SpainChecked 18 August 2026

Depends on your industryWork: HighEnforcement: Aggressive

In one paragraph: Spain follows the normal European rule: personal data may leave the country once you have the right paperwork in place. But four named categories of data held by the Spanish state must physically stay inside the European Union, and may only travel further to a country Europe has officially approved. Spain's privacy regulator is one of the busiest in the world.
The catch: The relaxed headline stops being true the moment you touch the electoral roll, town-hall population registers, Spanish tax records or data about users of the Spanish national health service. For those four things a standard European transfer contract is not enough and never will be — the law allows only officially approved destinations. Online gambling, telecoms and any system sold to the Spanish public sector carry their own separate rules.
Does this apply to me?: Yes. A company with no office in Spain is still caught if it offers goods or services to people in Spain or watches what they do online. There is no size or revenue threshold to hide under. If you have no base anywhere in Europe you must appoint a written representative inside Europe, and Spain's regulator will happily deal with that representative instead of you.High confidence
Can the data leave the country?: For most businesses, yes, with paperwork — the ordinary European rules apply and nothing in Spanish law says data must sit on Spanish soil. The exception is sharp. If the data is the electoral roll, a town-hall population register, Spanish tax records, or information about users of the Spanish national health service, the computers holding it must be inside the European Union, and that data may only go outside Europe to a country Europe has officially approved. A standard European transfer contract does not work for those four things.High confidence
What do I have to do to send it abroad?: The model is an approved-list one, run at European level, not by Spain. You may send data outside Europe if the destination country is on Europe's approved list, or if you sign Europe's standard contract, or if your corporate group has approved internal rules. The list is real and populated. Spain adds one twist: if you want to use a home-made contract instead of the standard one, you must get written permission from the Spanish regulator first.High confidence
Who enforces this — and are they actually working?: The Spanish Data Protection Agency, and it is very much awake. Its public decision database held 46,925 decisions when we checked on 18 August 2026, with rulings signed as recently as 12 August 2026. Three regional authorities also enforce, covering public bodies in Catalonia, the Basque Country and Andalusia. Spain's artificial intelligence supervisor is now operating too and met the privacy agency in July 2026 to divide up the work.High confidence
How long must I keep it, and when must I delete it?: Both directions, and they collide. The longest floor is money laundering records: ten years, and the same law then orders you to destroy them. Business books run six years, clinical records at least five years from the end of each course of treatment, phone and internet connection records twelve months, and the taxman can come back four years. In the other direction Spain does something unusual: when someone asks you to delete their data you must not actually delete it, you must lock it away.High confidence
What happens when something goes wrong?: Count three clocks, not one. Everyone has 72 hours to tell the privacy regulator about a personal data breach. Phone and internet providers have only 24 hours under a separate European rule. And if you run something the state treats as an essential service, the cyber clock says report immediately, then send an update within 24 to 48 hours if the incident is critical, or 72 hours if it is very serious, with a final report 20 or 40 days later.High confidence
What's the trap?: Five things that ruin weekends. One: a child can consent at fourteen in Spain, not sixteen, so your global age gate is probably wrong here. Two: 'delete my data' legally means 'lock my data away', so a hard-delete pipeline breaks the law. Three: Spain forces far more organisations to appoint a data protection officer than Europe does, including every school, university, bank, insurer, energy supplier and online gambling operator. Four: misusing someone's personal records is a crime punishable by prison, and companies themselves can be prosecuted. Five: telecoms operators can be ordered to hand over the encryption method they use.High confidence
What's about to change?: The biggest thing is what has not happened. Spain still has not passed the law that brings Europe's new cybersecurity rules into Spanish law, so the old 2018 regime is still what binds — expect that to change and to widen sharply who must report incidents. From 12 January 2027 no cloud provider may charge you to leave or to pull your data out. Watch three switches the government can flip with no consultation: taking over telecoms networks, ordering gambling systems into Spain, and demanding an operator's encryption method.Medium confidence
Hardest industry wall: None found.

SwitzerlandChecked 18 August 2026

Depends on your industryWork: MediumEnforcement: Active

In one paragraph: Switzerland is easy to send data out of, as long as the destination is one the government trusts. An official list names about 44 approved places, including every European Union country and United States firms in one certification scheme. Anywhere else, you sign an approved contract first. The sting is elsewhere: getting it wrong is a crime, and the case lands on a person, not the company.
The catch: The relaxed headline stops the moment you touch three areas. Electronic patient record data must physically sit in Switzerland. Banking client data is protected by a criminal secrecy law with a three-year prison ceiling. Doctors, lawyers, notaries, pharmacists, psychologists and nurses are under a near-identical criminal secrecy rule, and a normal supplier contract does not cure it. Financial market infrastructures also need the regulator's permission before outsourcing anything important.
Does this apply to me?: Yes. Swiss privacy law reaches any organisation whose activities have an effect in Switzerland, even one with no office, staff or company here. There is no revenue or headcount threshold to duck under, and there is no register to sign up to. You only need a named representative inside Switzerland if four things are true at once: you are selling to people here or watching what they do, you are doing it on a large scale, you are doing it regularly, and the processing is high risk for the people involved. Very few foreign companies meet all four.High confidence
Can the data leave the country?: In general, yes. Switzerland publishes an official list of countries and territories it considers safe, and data can move to any of them with no extra paperwork. The list has about 44 entries. It covers all 27 European Union countries, the United Kingdom, Norway, Iceland, Liechtenstein, Canada, Israel, Argentina, Uruguay and New Zealand. It covers the United States only for companies signed up to one specific certification scheme. Japan is not on it, even though the European Union treats Japan as safe. For anywhere not on the list, you sign an approved contract first. But three industries override this completely, and one of them is an outright ban.High confidence
What do I have to do to send it abroad?: The model is an approved-destinations list, and it is well populated: about 44 countries, territories and one sector-specific entry are on it right now. Send data to a listed place and you need nothing at all. Send it anywhere else and you need one of a short menu of safeguards, the most common being a standard contract. Switzerland has formally accepted the European Union's standard contract template, so most companies can reuse the paperwork they already have.High confidence
Who enforces this — and are they actually working?: The main regulator is the Federal Data Protection and Information Commissioner. It is real, fully staffed and busy: in the year to 31 March 2026 it ran 156 low-level interventions, 22 preliminary enquiries and 9 formal investigations, and it had 2 cases running in the Federal Administrative Court. It has issued binding orders against a bank, a debt collection firm and a fashion group, and in October 2025 the court confirmed its new way of working. The catch is that this regulator cannot fine anyone. Fines under the privacy law are criminal, they are handed out by cantonal prosecutors, and they land on individual people.High confidence
How long must I keep it, and when must I delete it?: Both directions apply and they pull against each other. The floor: business books, accounting records and audit reports must be kept for ten years. Financial market infrastructures keep their records ten years, trade repositories keep trade data ten years after the contract matures, electronic patient record access logs are kept ten years, and telecoms companies keep connection records for six months. The ceiling: the privacy law says personal data must be destroyed or made anonymous as soon as it is no longer needed. There is no fixed number. Where the two clash, the specific legal duty to keep wins.High confidence
What happens when something goes wrong?: Count four clocks, not one. The privacy regulator must be told 'as quickly as possible' when a breach is likely to put people at serious risk, with no number of hours attached. If you run critical infrastructure, you have a hard 24 hours to tell the national cyber security office. If you are supervised by the financial regulator, you have 24 hours to notify your supervisor and 72 hours to file the full report. Electronic patient record communities have to report security incidents to the health office. Most failures come from teams who set a single deadline and miss the others.High confidence
What's the trap?: Five things that are not in the summary. One: the penalty is a criminal fine on a named human being, not an administrative fine on the company, so your compliance lead is personally exposed. Two: sending data abroad without a valid safeguard is itself a crime. Three: banking secrecy and medical or legal secrecy are criminal laws with prison ceilings, and a standard supplier contract does not fix them. Four: cantonal authorities and cantonal hospitals are outside the federal law entirely. Five: the 24-hour cyber report has no penalty for being late, which misleads people into thinking it is optional.High confidence
What's about to change?: Nothing in the next twelve months changes where Swiss data may be stored. The electronic identity law has passed but is not switched on yet, and the financial regulator is holding a rule change until it is. A company transparency law hits banks on 1 October 2026. A rewrite of the telecoms surveillance rules has been announced for years and still has not landed. The bigger risk is not new legislation at all: the government can rewrite the approved-destinations list by itself, overnight, with no vote and no consultation.Medium confidence
Hardest industry wall: Health and social care — Verordnung ueber das elektronische Patientendossier (EPDV)
Finance — FINMA-Rundschreiben 2018/3 'Outsourcing - Banken, Versicherungsunternehmen und ausgewaehlte Finanzinstitute nach FINIG'

The eight framework questions answered for each selected country
Question	SpainChecked 18 August 2026	SwitzerlandChecked 18 August 2026
The three ratings	Depends on your industry Work: High Enforcement: Aggressive	Depends on your industry Work: Medium Enforcement: Active
In one paragraph	Spain follows the normal European rule: personal data may leave the country once you have the right paperwork in place. But four named categories of data held by the Spanish state must physically stay inside the European Union, and may only travel further to a country Europe has officially approved. Spain's privacy regulator is one of the busiest in the world.	Switzerland is easy to send data out of, as long as the destination is one the government trusts. An official list names about 44 approved places, including every European Union country and United States firms in one certification scheme. Anywhere else, you sign an approved contract first. The sting is elsewhere: getting it wrong is a crime, and the case lands on a person, not the company.
The catch	The relaxed headline stops being true the moment you touch the electoral roll, town-hall population registers, Spanish tax records or data about users of the Spanish national health service. For those four things a standard European transfer contract is not enough and never will be — the law allows only officially approved destinations. Online gambling, telecoms and any system sold to the Spanish public sector carry their own separate rules.	The relaxed headline stops the moment you touch three areas. Electronic patient record data must physically sit in Switzerland. Banking client data is protected by a criminal secrecy law with a three-year prison ceiling. Doctors, lawyers, notaries, pharmacists, psychologists and nurses are under a near-identical criminal secrecy rule, and a normal supplier contract does not cure it. Financial market infrastructures also need the regulator's permission before outsourcing anything important.
Does this apply to me?	Yes. A company with no office in Spain is still caught if it offers goods or services to people in Spain or watches what they do online. There is no size or revenue threshold to hide under. If you have no base anywhere in Europe you must appoint a written representative inside Europe, and Spain's regulator will happily deal with that representative instead of you.High confidence	Yes. Swiss privacy law reaches any organisation whose activities have an effect in Switzerland, even one with no office, staff or company here. There is no revenue or headcount threshold to duck under, and there is no register to sign up to. You only need a named representative inside Switzerland if four things are true at once: you are selling to people here or watching what they do, you are doing it on a large scale, you are doing it regularly, and the processing is high risk for the people involved. Very few foreign companies meet all four.High confidence
Can the data leave the country?	For most businesses, yes, with paperwork — the ordinary European rules apply and nothing in Spanish law says data must sit on Spanish soil. The exception is sharp. If the data is the electoral roll, a town-hall population register, Spanish tax records, or information about users of the Spanish national health service, the computers holding it must be inside the European Union, and that data may only go outside Europe to a country Europe has officially approved. A standard European transfer contract does not work for those four things.High confidence	In general, yes. Switzerland publishes an official list of countries and territories it considers safe, and data can move to any of them with no extra paperwork. The list has about 44 entries. It covers all 27 European Union countries, the United Kingdom, Norway, Iceland, Liechtenstein, Canada, Israel, Argentina, Uruguay and New Zealand. It covers the United States only for companies signed up to one specific certification scheme. Japan is not on it, even though the European Union treats Japan as safe. For anywhere not on the list, you sign an approved contract first. But three industries override this completely, and one of them is an outright ban.High confidence
What do I have to do to send it abroad?	The model is an approved-list one, run at European level, not by Spain. You may send data outside Europe if the destination country is on Europe's approved list, or if you sign Europe's standard contract, or if your corporate group has approved internal rules. The list is real and populated. Spain adds one twist: if you want to use a home-made contract instead of the standard one, you must get written permission from the Spanish regulator first.High confidence	The model is an approved-destinations list, and it is well populated: about 44 countries, territories and one sector-specific entry are on it right now. Send data to a listed place and you need nothing at all. Send it anywhere else and you need one of a short menu of safeguards, the most common being a standard contract. Switzerland has formally accepted the European Union's standard contract template, so most companies can reuse the paperwork they already have.High confidence
Who enforces this — and are they actually working?	The Spanish Data Protection Agency, and it is very much awake. Its public decision database held 46,925 decisions when we checked on 18 August 2026, with rulings signed as recently as 12 August 2026. Three regional authorities also enforce, covering public bodies in Catalonia, the Basque Country and Andalusia. Spain's artificial intelligence supervisor is now operating too and met the privacy agency in July 2026 to divide up the work.High confidence	The main regulator is the Federal Data Protection and Information Commissioner. It is real, fully staffed and busy: in the year to 31 March 2026 it ran 156 low-level interventions, 22 preliminary enquiries and 9 formal investigations, and it had 2 cases running in the Federal Administrative Court. It has issued binding orders against a bank, a debt collection firm and a fashion group, and in October 2025 the court confirmed its new way of working. The catch is that this regulator cannot fine anyone. Fines under the privacy law are criminal, they are handed out by cantonal prosecutors, and they land on individual people.High confidence
How long must I keep it, and when must I delete it?	Both directions, and they collide. The longest floor is money laundering records: ten years, and the same law then orders you to destroy them. Business books run six years, clinical records at least five years from the end of each course of treatment, phone and internet connection records twelve months, and the taxman can come back four years. In the other direction Spain does something unusual: when someone asks you to delete their data you must not actually delete it, you must lock it away.High confidence	Both directions apply and they pull against each other. The floor: business books, accounting records and audit reports must be kept for ten years. Financial market infrastructures keep their records ten years, trade repositories keep trade data ten years after the contract matures, electronic patient record access logs are kept ten years, and telecoms companies keep connection records for six months. The ceiling: the privacy law says personal data must be destroyed or made anonymous as soon as it is no longer needed. There is no fixed number. Where the two clash, the specific legal duty to keep wins.High confidence
What happens when something goes wrong?	Count three clocks, not one. Everyone has 72 hours to tell the privacy regulator about a personal data breach. Phone and internet providers have only 24 hours under a separate European rule. And if you run something the state treats as an essential service, the cyber clock says report immediately, then send an update within 24 to 48 hours if the incident is critical, or 72 hours if it is very serious, with a final report 20 or 40 days later.High confidence	Count four clocks, not one. The privacy regulator must be told 'as quickly as possible' when a breach is likely to put people at serious risk, with no number of hours attached. If you run critical infrastructure, you have a hard 24 hours to tell the national cyber security office. If you are supervised by the financial regulator, you have 24 hours to notify your supervisor and 72 hours to file the full report. Electronic patient record communities have to report security incidents to the health office. Most failures come from teams who set a single deadline and miss the others.High confidence
What's the trap?	Five things that ruin weekends. One: a child can consent at fourteen in Spain, not sixteen, so your global age gate is probably wrong here. Two: 'delete my data' legally means 'lock my data away', so a hard-delete pipeline breaks the law. Three: Spain forces far more organisations to appoint a data protection officer than Europe does, including every school, university, bank, insurer, energy supplier and online gambling operator. Four: misusing someone's personal records is a crime punishable by prison, and companies themselves can be prosecuted. Five: telecoms operators can be ordered to hand over the encryption method they use.High confidence	Five things that are not in the summary. One: the penalty is a criminal fine on a named human being, not an administrative fine on the company, so your compliance lead is personally exposed. Two: sending data abroad without a valid safeguard is itself a crime. Three: banking secrecy and medical or legal secrecy are criminal laws with prison ceilings, and a standard supplier contract does not fix them. Four: cantonal authorities and cantonal hospitals are outside the federal law entirely. Five: the 24-hour cyber report has no penalty for being late, which misleads people into thinking it is optional.High confidence
What's about to change?	The biggest thing is what has not happened. Spain still has not passed the law that brings Europe's new cybersecurity rules into Spanish law, so the old 2018 regime is still what binds — expect that to change and to widen sharply who must report incidents. From 12 January 2027 no cloud provider may charge you to leave or to pull your data out. Watch three switches the government can flip with no consultation: taking over telecoms networks, ordering gambling systems into Spain, and demanding an operator's encryption method.Medium confidence	Nothing in the next twelve months changes where Swiss data may be stored. The electronic identity law has passed but is not switched on yet, and the financial regulator is holding a rule change until it is. A company transparency law hits banks on 1 October 2026. A rewrite of the telecoms surveillance rules has been announced for years and still has not landed. The bigger risk is not new legislation at all: the government can rewrite the approved-destinations list by itself, overnight, with no vote and no consultation.Medium confidence
Hardest industry wall	None found.	Health and social care — Verordnung ueber das elektronische Patientendossier (EPDV) Finance — FINMA-Rundschreiben 2018/3 'Outsourcing - Banken, Versicherungsunternehmen und ausgewaehlte Finanzinstitute nach FINIG'