How to open a bank account in Spain in 2026: requirements for foreigners

Updated: October 2026

A Spanish bank account is one of the first things you need when you move to Spain. You need it for your salary or pension, rent, electricity, internet, phone contracts and paying taxes. This guide explains which account types exist in 2026, what documents banks ask for, and how to open an account step by step as a foreigner.

Why you need a Spanish bank account

• Receiving your salary or pension.
• Paying rent, utilities and community fees by direct debit (domiciliación).
• Setting up internet and mobile phone contracts – many providers want a Spanish IBAN.
• Paying taxes and social security, and receiving refunds from the tax office.
• Applying for a mortgage later on.

Types of bank accounts in Spain

• Resident account: for people who live in Spain and have a NIE or TIE. It gives full access to banking services and is usually cheaper.
• Non-resident account: for people who live in Spain less than 183 days a year, for example holiday home owners. Banks ask for a non-residence certificate and fees are often higher.
• Basic payment account (cuenta de pago básica): every person legally living in the EU has the right to this simple account. The fee is capped at €3 per month, and it is free for people in a vulnerable financial situation.
• Online banks and fintechs: digital accounts with low fees, opened from your phone. Check that you get a Spanish IBAN (starting with ES) if you need it for direct debits.

Documents you need in 2026

• Valid passport or EU ID card.
• NIE number or TIE card. Many banks will not open a resident account without it – see how to get your NIE.
• Proof of address: rental contract, utility bill or empadronamiento certificate.
• Proof of income or activity: work contract, payslips, pension statement or self-employed registration.
• Your tax number from your home country (banks must report foreign tax residents).
• For non-resident accounts: a non-residence certificate, which the bank can often request from the police for you.

Because of anti-money-laundering rules, the bank will also ask where your money comes from and what you will use the account for. This is normal – answer clearly and bring documents if you plan to transfer larger amounts.

How to open a bank account – step by step

1. Choose a bank. The big banks are Santander, BBVA, CaixaBank, Sabadell, Bankinter and Unicaja. Compare monthly fees, card costs and whether the app and staff work in English.
2. Collect your documents from the list above.
3. Apply online or in a branch. Many banks let you start online with video identification. Some still require a branch visit for foreigners.
4. Sign the contract digitally or in the branch, and read the fee list (tarifas) before you sign.
5. Activate the app and card. Set up online banking and add the account to your direct debits.

How to avoid high fees

• Many banks waive the monthly fee if your salary or pension is paid into the account, or if you use the card a few times a month.
• Check ATM fees – withdrawing cash at another bank’s ATM can cost money.
• Use Bizum (built into most Spanish bank apps) for free instant payments between people in Spain.
• For money from abroad, compare the bank’s exchange rate with services like Wise.

FAQ: bank accounts in Spain

Useful links

• Banco de España – bank customer portal (fees, complaints, basic account)
• Get your NIE number
• Getting a mortgage (hipoteca) in Spain

Disclaimer: This article is for general information only and is not financial advice. Fees and requirements vary by bank – always check the bank’s current conditions.