How-to

Open a bank account in Spain

Have a Agencia Tributaria letter? Private by default · No signup to try

Banks ask for NIE/ID and sometimes proof of address; non-resident accounts are possible.

Choose bank
Prepare documents
Verify identity and activate

Steps

Pick a bank

Compare fees, English support, and online services.
Prepare KYC

NIE, passport, proof of address; non-residents may need a non-resident certificate.
Activate

Complete branch or video verification.

Tips

Keep IBAN (ESxx…) handy for direct debits

Quick links

Official tax portal

FAQ

Many banks allow partial online onboarding.

Typically ID and proof related to the procedure (e.g., address, income or ownership). Check the official site for country-specific lists.

Often yes via the official portal (Agencia Tributaria or regional portals). Some steps still require in‑person verification or mailing originals.

Processing times vary by city and season. Plan for days to a few weeks; start early before deadlines.