Spain
Spanish bank account opening
Open a bank account in Spain with guidance from start to finish.
Timeframe
Usually one to three weeks, depending on the bank
Remote
Wherever the law allows
Price
Free personal quote
1What it is
A Spanish bank account is needed to pay bills, receive a salary and pay social security. Banks treat residents and non-residents differently. We help you choose the right bank and account type and prepare your application.
2Who needs it
- New residents in Spain
- Property buyers and owners
- Autónomos and company owners
3Documents usually required
We confirm the exact list for your situation with your quote. You can upload documents with your request.
- Valid passport
- NIE
- Proof of address
- Proof of income or employment
4How the process works
- 1Tell us your situation
- 2We confirm the price and recommend options
- 3We prepare your documents
- 4The bank reviews and opens the account
Typical timeframe: Usually one to three weeks, depending on the bank.
5Good to know
Resident or non-resident account?
Banks treat you as non-resident until you can prove residence. Non-resident accounts can have higher fees and may require a certificate of non-residence.
What banks ask for
Your passport, NIE, proof of address and proof of income. Expect questions about the source of your funds.
Who needs a Spanish account
Autónomos (social security contributions are paid from a Spanish account), property owners paying local bills, and anyone receiving a Spanish salary.
Need an account in Portugal too? See Portuguese bank account opening.
6Frequently asked questions
Can non-residents open an account?
Yes, many banks offer non-resident accounts. Requirements differ, and we explain them before you pay.
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