October 19, 2020
Spanish bank accounts are available to both residents and non-residents in Spain. Opening a bank account in Spain is relatively easy, however, you will need to decide whether to open a non-resident bank account or one for residents. Evidently, bank accounts for residents tend to be more flexible and more profitable. However, if do not plan to live here permanently, it will be easier for you if you open a bank account for non-residents.


To open a bank account as a resident, you will normally need the following documents:
  • A copy of your Spanish NIE number.
  • Your passport or national identity card. It must be valid and unexpired.
  • Proof of address in Spain (such as your home contract if you are renting,  your house deeds or a recent bank statement).
  • A document proving your employment status (such as a work contract or an official document proving that you are unemployed).


To open a bank account as a non-resident, you will need the following documents.
  • Your passport or national identity card. It must be valid and unexpired.
  • Proof of address, which could be a recent bank statement or a bill that shows your address (in most cases, dated within the last 3 months).
  • A document proving your employment status (such as a tax return, payslip or official letter confirming you are unemployed).
  • The bank may also require a ‘Certificado de No Residente’. This confirms that you are non-resident. They are available from Spanish police stations, or the bank will get it for you at a cost of around €15.

For the documents to be accepted, if any of them are not in Spanish, you will need to have them translated by an official translator (“traductor jurado”).

Nevertheless, if you are planning to stay in Spain for less than a year, there are different options that may suit your needs better, like opening an online bank account that allows you to withdraw money in Spain without taxes. Here are some alternatives that may help you out with this.

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  1. I have a current account with Sabadell that deals with all my standing orders. Their maintenance fee is extremely high! I am looking for an alternative current account for non residents with lower maintenance charges.

  2. Hello Elaine. Sabadell is well known for their high fees, plus it is almost impossible to find a bank that will offer no-fee accounts for non-residents. If you are not a resident or do not live here permanently, I would strongly suggest banks like Transferwise or Revolut. These are online banks, so everything is easily managed with your computer or phone, and there is no fees at all. Very interesting conditions too for those who spend the year between two countries. You will be able to set all your direct debits easily. You can check here more info:

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