Bank Account Opening
Spanish Bank Account Assistance
Opening a Spanish bank account can be frustrating with language barriers and varying requirements. We guide you through the process and can accompany you to appointments.
A Spanish bank account is essential for living in Spain - you'll need it for rent payments, utilities, salary deposits, and direct debits. However, each bank has different requirements, and staff may not speak English. Some banks are more foreigner-friendly than others. We help you choose the right bank and prepare everything needed for a successful application.
Online notary available: Many of our services can be completed via online notary from the comfort of your home. Where in-person notarization is required or preferred, we can arrange this at a notary local to you.
What's Included
Documents Required
What you'll need to get started
NIE/TIE
Required by most banks (some accept applications without)
Valid passport
Original identification document
Proof of address
Empadronamiento or utility bill
Proof of income
Employment contract, payslips, or pension statements
Tax residency proof
Some banks require certificate of fiscal residency
Rules & Regulations
Important information you should know
Anti-Money Laundering
Banks must verify identity and source of funds under KYC regulations.
Resident vs Non-Resident
Non-residents can open accounts but may face restrictions and higher fees.
NIE Requirement
Most traditional banks require an NIE. Some digital banks accept passports only.
Initial Deposit
Some banks require a minimum opening deposit, typically €0-300.
Benefits
Why this matters for you
Local IBAN
Spanish IBAN for rent, utilities, and salary payments.
Direct Debits
Set up domiciliaciones for bills, taxes, and subscriptions.
Spanish Debit Card
No foreign transaction fees within Spain/EU.
Build Credit History
Start establishing your financial record in Spain.
Government Payments
Receive tax refunds and make official payments easily.
How It Works
Your bank account opening in four simple steps
Bank Selection
We recommend banks based on your needs: fees, English support, international transfers.
Document Preparation
We ensure you have everything needed: NIE, passport, proof of address and income.
Appointment
We book your appointment and can accompany you for language support.
Account Active
Your account is opened and we help set up online banking.
Frequently Asked Questions
Common questions about bank account opening
Most traditional banks require an NIE. Some digital banks like N26 accept just a passport initially.
It depends on your needs. We consider fees, English support, branch access, and international features.
Some digital banks allow online opening. Traditional banks usually require an in-person visit.
Typically: passport, NIE, proof of address, and proof of income. Requirements vary by bank.
It varies. Some accounts are free, others charge €3-10/month. We help find the best option for you.
Important Notice
Hola Gestoria is a private administrative service and is not affiliated with, endorsed by, or acting on behalf of any Spanish government authority. We provide general support with paperwork and administrative processes. We are not a regulated gestoría administrativa, not a law firm, and do not provide legal advice or legal representation. All information is for general guidance only. If you require legal advice or formal legal representation, please consult a qualified lawyer in Spain.