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Opening a Bank Account in Spain

Understand the requirements of opening a personal bank account in Spain...

To open a bank account in Spain the following is required:

  • applicants must be aged 18 or over
  • photographic proof of identity (passport or National Identity Card from the country of origin for each of the applicants)
  • proof of occupation or status (employment contract/payslip, letter from accountant/lawyer, pension or disability payment confirmation, student card). This is an extra requirement introduced in 2007 by the Bank of Spain as a measure to combat money-laundering
  • residents also need to produce their Foreigner's Identification Number and certificate (Número de Identificación de Extranjeros or NIE)
  • confirmation of address (utility bill, driving licence or council tax bill; proof of address must have been issued within the last 3 months)

An applicant with all of these documents available when visiting a branch should have their account opened almost straight away, although it will take a few days for the cheque book and ATM/debit card (if applicable) to be issued. In this instance, a bank may provide a temporary pass book (libreta) so that money can be withdrawn, until the ATM/debit card arrives.

Some banks accept applications for new accounts submitted by post, although a visit to a branch may be needed to complete the identification process and present the originals of the personal documents.

Note: For security reasons, most banks will not send cheque books or ATM/debit cards to overseas addresses; they will need to be collected from the branch if there is no address in Spain to which they can be sent.

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Welcome to AngloINFO Spain

Everything you need for life in Spain - local information you can trust
We have local franchise opportunities in Spain and around the world

Do you dream of having your own, profitable, easy-to-operate business? AngloINFO might be the solution!

Now in its fifteenth year of business, AngloINFO is the world's leading network of expat information websites - with over three million monthly visitors from around the world.
We have an established network of 88 local websites in 41 countries with many more in development.

Our 54 local franchisees are the key to our success and come from a huge range of backgrounds, ages and nationalities. The common factor is a passion for success.