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Spanish bank account (cuenta bancaria)
Online verifiedCuenta bancaria española
Who needs it
Foreigners settling, buying property, investing, working, becoming autónomo, opening a company, or simply living in Spain.
When needed
Before a property purchase, before alta RETA, before the first invoice, or to receive a salary.
Where to get it
A Spanish bank (BBVA, Santander, Sabadell, CaixaBank, ING, Openbank, etc.); in person or, where supported, online.
Timeline
Resident account: same day to a few days. Non-resident account: 1 to 2 weeks (bank requests a certificado de no residente).
Faster with Key4SpainCita previa
Some branches require an appointment.
What to bring
- •Passport
- •NIE (for resident accounts; non-resident accounts are also possible)
- •Proof of address, empadronamiento or utility bill
- •Proof of income or source of funds, especially for larger amounts
Common mistakes
- âš Leaving the account opening to the last minute before a notary day; AML checks can delay transfers.
- âš Confusing resident with non-resident account; taxation differs.
- âš Not setting up direct debit for utilities and IBI.
What to say at the counter
I would like to open a bank account in Spain. (Buenos dÃas. Quisiera abrir una cuenta bancaria como no residente / residente extranjero.)
Key4Spain service
Handling this via Key4Spain ensures 0% margin for error.