Opening a Bank Account in Spain for Non-Residents
Learn how non-residents can open a Spanish bank account from abroad—requirements, process, and options for expats, digital nomads, and international buyers.
Finance
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Banking Options in Spain
| Option | Features | Fees | Requirements | Best For | Note |
|---|---|---|---|---|---|
| Traditional Banks | Full services, physical branches, Spanish IBAN | Typically €8–20/month unless income or deposits maintained | Passport, proof of address (abroad or in Spain), proof of income; may need non-residency certificate | Long-term residents, renting, local transactions | Some banks may require a minimum balance or regular transfers |
| Digital Banks | Online-only, mobile-first, low fees | Usually free or minimal | Passport; NIE/address not always required initially | Digital nomads, frequent travelers, tech-savvy users | IBAN may be non-Spanish (DE, LT, BE), which can complicate rent or utility payments |
| International Banks | Multi-currency accounts, global support | Higher than local banks | NIE, passport, proof of income/assets | Cross-border fund management |
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