Note
Documents to open a Spanish bank account as a non-resident
Quick answer
We found no official list of documents for a Spanish bank account, since banks decide, within anti-money-laundering duties. Expect identity papers, a NIE, proof of address and an explanation of your purpose. Ask the bank for its list in writing before you travel.
Applies toNon-residents preparing to open an account.
On this page: 10 sections
§ 1No official list
We looked for an official list of documents that a bank must ask for when a non-resident opens an account and found none. The Bank of Spain’s page on the basic payment account says the only stated requirement is providing the information the bank requests for its duties on anti-money laundering and counter-terrorist financing. Banks decide the rest. This page belongs to the chapter in Spanish bank accounts in detail.
§ 2Usual items
Banks commonly ask for a passport or identity card, the NIE, proof of address in your country, the reason for the account and sometimes proof of income or of the source of funds. Some ask for an employment or residence certificate. Ask the bank for its list. The list often differs between branches.
§ 3The NIE
Banks identify foreign customers by their NIE and report accounts to the tax authorities. The legal process section explains how to apply for one. If the NIE is not ready, ask whether the bank can start the process and complete it when the number arrives.
§ 4Proof of address
Utility bills or bank statements in your name, recent and showing the address, are common. Documents in other languages may need translation. Ask which the bank accepts.
§ 5The reason
Be ready to explain why you want the account: to buy a home, to pay bills, to receive rent. Be specific. A vague answer slows the process. If you plan large transfers, say so, and be ready to document them.
§ 6Remote or in person
Some banks open accounts remotely with video identification, others require a visit, and others accept a power of attorney. Ask before you travel, and ask how long it takes to activate the account and the card.
§ 7Refusals
If a bank refuses, ask for the reason. The Bank of Spain’s page lists the grounds for refusing a basic payment account. For ordinary accounts, banks decide within the law. Try another bank, and ask your lawyer to help.
§ 8Keep copies
Keep copies of what you submit and of the contract. More on choosing a bank explains how to compare banks, and direct debits explained explains the direct debit you will set up.
§ 9If you cannot visit
If you cannot visit, ask whether a notarised power of attorney or a video identification is accepted, and which translations are needed. Allow time for post. Keep the original documents safe and send copies only where the bank confirms they suffice.
§ 10Be patient
Some banks take days or weeks to complete checks for a non-resident. Write down the question, the answer and the date, and keep the reply with your purchase file. Ask your lawyer to read anything that affects the amount or the timing, and do not rely on a verbal promise. If two sources disagree, ask for the official text and tell the person in writing which version you are relying on.
FAQRelated questions
Do I need a NIE?
In practice yes, because Spanish banks identify foreigners by it and report to the tax authorities. If you do not have one yet, ask the bank whether it can open an account while you apply, and apply as early as possible.
Can I open the account before I buy?
Often yes, and it is a good idea, since the deposit and taxes are paid from it. Ask the bank what it needs and whether it can do it remotely. Some require a visit.
What can a bank refuse on?
The Bank of Spain lists grounds for refusing a basic payment account: already holding a current account in Spain, national security or public order, and not supplying requested information. Banks also refuse when they cannot complete their checks.
Sources
- Banco de España, Cliente Bancario: Cuenta de pago básica: ¿Quiénes pueden solicitarla? (official source, opens in a new window), Who has a right to a basic payment accountLast checked 18 October 2026
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