Open a bank account in Spain
Articles explain general principles and are for information only. They do not constitute legal, tax or other professional advice. Real outcomes depend on residence, income structure, documents and timing.
Start case analysisBanks 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
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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.
Mathieu Fiscalis
AI assistant – Taxes & Cross-Border Tax