Can I open a Spanish bank account before I arrive?

Yes. Banks like Sabadell (Expat Account), BBVA and CaixaBank let you open non-resident accounts remotely with a passport and certificate of non-residency.

Do I need an NIE to open a bank account?

Not for a non-resident account — your passport is enough. For a resident account you'll need your green NIE certificate or TIE card.

Are Spanish banks safe?

Yes. All deposits up to €100,000 per person per bank are guaranteed by the Spanish deposit guarantee fund (FGD).

Moving to Spain

Opening a Bank Account in Spain

Step-by-step guide to opening a Spanish bank account as an expat. Resident vs non-resident accounts, required documents, fees, online banks and our recommended options.

A Spanish bank account makes daily life much easier — it's needed for utilities, your NIE/residency, paying tax, signing a rental contract and most direct debits. Here's how to open one in 2026, whether you're already resident or not.

Resident vs non-resident accounts

Non-resident accounts have higher fees but can be opened with just a passport. Resident accounts are cheaper but require a green NIE certificate or TIE.

Documents you'll need

Bring everything in original form plus a copy.

•Passport
•NIE certificate (resident accounts)
•Proof of address (utility bill or padrón)
•Proof of income or employment
•Certificate of non-residency (banks can request this on your behalf)

Traditional banks

Santander, BBVA, CaixaBank and Sabadell have English-speaking branches in expat areas. Monthly fees range €0–€15 depending on the account and balance.

Online banks

N26, Revolut, Wise and Openbank are popular with expats — low fees, English app, instant IBAN. Some Spanish admin still asks for a traditional Spanish IBAN though.