How to open a bank account in Spain?

Opening a bank account in Spain for foreign citizens may seem like a challenging task. In fact, the process is not that complicated if you follow several important steps. Here is a detailed guide on how to open an account in a Spanish bank for non-residents and foreigners.
Bankinter ATM
Bankinter ATM

Documents required to open an account

To open an account in a Spanish bank as a foreign citizen, you will need the following documents:

  • Passport — the main identification document. Must be valid for the duration of account opening.
  • Residence permit or long-term stay (NIE) — confirms your legal status in Spain. Not mandatory for opening an account, but greatly simplifies the process.
  • Spanish phone number
  • Proof of address in Spain — utility bill, apartment rental agreement.
  • Proof of source of funds — salary statement, tax return form 2-NDFL with translation, property or investment documents.
  • Bank statement from your home country (optional) — account statement for the last 3-6 months.

Choosing the right bank

Among the largest Spanish banks opening accounts for foreigners are: BBVA, Banco Santander, CaixaBank, Bankia, Sabadell. When choosing, pay attention to the presence of branches in your city, fees, and service conditions.

Online banks such as N26, Revolut, Bunq also allow you to open accounts remotely. This is faster and easier than in a traditional bank.

If you have a residence permit or permanent residence

If you have a residence permit or permanent residence, I recommend opening an account with these banks:

  • BBVA
  • N26
  • Revolut
  • Open bank

Start by visiting a BBVA branch. Each branch has different rules, they might refuse you in one but open an account in another. Most likely, they will impose health insurance for the whole family.

If you don’t have a residence permit

In this situation, it’s much more difficult. Try opening an account with these banks:

  • Correos Prepago – instant card issuance at the post office
  • Nickel – only requires a passport, can be set up online.

Как открыть счет в Испании удаленно?

Если у вас нет испанской резиденции и прописки, то никак.

Как открыть счет в Испании для нерезидента?

Если у вас российский или белорусский паспорт, то это невозможно.

Если вам нужна помощь в получении ВНЖ Цифрового Кочевника, ВНЖ по Стартапу, открытие аутономо, оптимизация налогов и ведение бух.учета, студенческая виза, то пишите нам в Телеграм:

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Mihail Schwarz
Mihail Schwarz
Статей: 1918

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