Open a Bank Account in Spain

Ready to begin your Spanish journey? Enjoy the convenience of Open a Bank Account in Spain hassle-free, right from your home! Curious about weekend banking?

Open a Bank Account in Spain: A Comprehensive Guide for Non-Residents

Open a Bank Account in Spain

We’ve got you covered with a guide to banks open on Saturdays. And guess what? Non-residents can also benefit from free Spanish bank account options!

Getting Started with Opening a Bank Account in Spain

Opening a bank account in Spain reveals many financial options, whether you live there or not. Knowing how it works can make things easier and help you pick the best account. Here, we’ll explain how to open a bank account in Spain, why you might want to, and the different kinds of accounts you can choose from.

Why Open a Bank Account in Spain?

Opening a bank account in Spain is not merely a bureaucratic formality but a gateway to seamless financial transactions and convenience. A Spanish bank account offers various benefits, whether you are a resident or a non-resident. Residents can enjoy salary deposits, bill payments, and access to loans and mortgages with local banks, while non-residents can simplify transactions related to property ownership, travel, and investments. Additionally, having a local bank account facilitates integration into the Spanish financial system, which may be necessary for certain legal and administrative procedures.

Step-by-Step Guide to Open a Bank Account in Spain

  • Research Banks: Research banks in Spain to find one that suits your needs, considering factors such as fees, services, and branch locations.
  • Gather Documents: Collect the necessary documents for account opening, including identification (passport or national ID), proof of address, and tax identification number (NIE) for non-residents.
  • Visit a Branch or Website: Decide whether to visit a branch in person or apply online through the bank’s website. Note that some banks may require an in-person visit for certain account types.
  • Complete Application: Complete the account application form with accurate information, ensuring all required fields are completed, and documents are attached if applying in person.
  • Verify Identity: Provide identification documents and undergo identity verification procedures, which may include biometric authentication or video calls for online applications.
  • Await Approval: After submitting your application, wait for the bank to review your information and approve your account. Depending on the bank’s policies and workload, this process may take a few days.
  • Receive Account Details: Once your account is approved, you’ll receive your account details, including account number and online banking login credentials, either in person or via email.
  • Activate Account: Follow the instructions provided by the bank to activate your account, which may involve making an initial deposit or completing additional verification steps.
  • Start Banking: With your account activated, you can now use your Spanish bank account for various transactions, such as deposits, withdrawals, and bill payments.
  • Explore Additional Services: Take advantage of additional banking services offered by the bank, such as savings accounts, loans, credit cards, and investment options, to meet your financial goals and needs.

By following these steps, you can navigate the process of opening a bank account in Spain smoothly and efficiently, setting the foundation for managing your finances in this vibrant European country.

Tips for a Smooth Online Experience

To ensure a seamless online account opening experience, follow these tips:

  • Double-check all information provided in the online application to avoid errors or discrepancies.
  • Keep scanned copies of identification documents and proof of address readily accessible for submission.
  • Familiarise yourself with the bank’s online platform or mobile app to efficiently navigate the account opening process.
  • Monitor your email inbox and mobile notifications for updates from the bank regarding your account application status.
  • Contact the bank’s customer support team if you encounter technical issues or have questions about the account opening process.

By following these guidelines and leveraging the convenience of online account opening, you can establish a bank account in Spain easily and efficiently, empowering you to manage your finances seamlessly in the digital era.

Qué Bancos Abren los Sábados (Which Banks Open on Saturdays)

Weekend banking services play a crucial role in meeting the diverse needs of customers who may need more flexibility to visit banks during traditional weekday hours. For many individuals, Saturdays offer the opportunity to conduct financial transactions and address banking-related matters without disrupting their work or personal schedules. 

Whether depositing a paycheck, withdrawing cash for weekend expenses, or seeking assistance with account inquiries, access to banking services on Saturdays enhances convenience and accessibility for customers across various demographics.

Qué Bancos Abren los Sábados (Which Banks Open on Saturdays)

List of Banks Offering Saturday Services

In Spain, several banks recognise the importance of weekend banking and extend their operational hours to include Saturdays. Among the prominent banks that offer Saturday services are:

  1. Banco Santander: With a wide network of branches across Spain, Banco Santander is known for its comprehensive banking services and convenient branch hours, including Saturdays.
  2. BBVA: One of the largest banks in Spain, BBVA caters to customers’ diverse needs by offering Saturday banking services at select branches.
  3. CaixaBank: Focusing on customer convenience and accessibility, CaixaBank provides Saturday banking services at designated branches to accommodate customers’ weekend schedules.
  4. Bankia: Bankia recognises the importance of flexibility in banking and offers Saturday services at specific branches, allowing customers to conduct transactions conveniently.
  5. Banco Sabadell: Known for its innovative banking solutions and customer-centric approach, Banco Sabadell provides Saturday banking services at select branches to serve the needs of its diverse clientele.

Services Available on Saturdays

While the availability of specific services may vary depending on the branch and bank policies, customers can typically access a range of banking services on Saturdays, including:

  • Cash withdrawals and deposits
  • Account inquiries and balance checks
  • Fund transfers between accounts
  • Payment of bills and utilities
  • Issuance of cashier’s checks and money orders
  • Assistance with account openings and inquiries

While certain specialised services, such as loan approvals or complex financial transactions, may be limited on Saturdays, customers can still fulfil their basic banking needs during weekend hours. Additionally, many banks offer alternative channels, such as online banking and mobile apps, to supplement in-branch services and provide round-the-clock access to account management and transactions.

By offering Saturday banking services and accommodating customers’ weekend schedules, banks in Spain demonstrate their commitment to providing convenient and accessible financial services that cater to the diverse lifestyles and needs of individuals and communities.

Benefits of Having a Bank Account as a Non-Resident

Opening a bank account in Spain as a non-resident offers numerous advantages, facilitating financial transactions and enhancing convenience during your stay there. Whether visiting for leisure, studying, or conducting business, having a local bank account allows you to manage your finances more effectively. Benefits include:

Benefits of Having a Bank Account as a Non-Resident

  • Convenience: With a Spanish bank account, you can easily receive funds, pay bills, and access banking services without relying on costly international transactions or currency exchange services.
  • Savings: By avoiding foreign transaction fees and currency conversion charges, you can save money on banking-related expenses and optimise your financial resources.
  • Integration: A local bank account fosters integration into the Spanish financial system, making navigating everyday transactions and financial obligations easier.
  • Security: Local bank accounts offer enhanced security features and protections than carrying cash or relying solely on international debit or credit cards.
  • Financial Management: With access to online banking and mobile apps, you can monitor your account activity, track expenses, and manage your finances conveniently from anywhere in the world.

Banks Offering Free Accounts for Non-Residents

Several banks in Spain recognise the needs of non-residents and offer free bank account options tailored to their requirements. Among the banks that provide free accounts for non-residents are:

Banco Sabadell: 

Known for its expatriate-friendly services, Banco Sabadell offers free bank accounts for non-residents, providing access to a wide range of banking services and digital banking solutions.


A leading online bank, N26 specializes in digital banking solutions and offers free bank accounts for non-residents. Its features include fee-free international transactions and mobile banking convenience.

Open bank: 

With a focus on innovation and customer-centric solutions, Openbank offers free bank accounts for non-residents, competitive interest rates, and comprehensive online banking services.


BBVA extends its banking services to non-residents with free account options, providing access to a network of branches and digital banking platforms for convenient account management.

Eligibility Criteria and Requirements:

To qualify as a non-resident in Spain, you must meet certain eligibility criteria and provide specific documentation to qualify for a free bank account. Common requirements may include:

  • Proof of identity: Valid passport or government-issued identification document.
  • Proof of non-resident status: Documentation verifying your legal status as a non-resident in Spain, such as a visa or residency permit.
  • Proof of address: Utility bill, rental agreement, or other documents demonstrating your current address.
  • Tax identification number (NIE): Non-resident individuals may need to obtain an NIE from the Spanish authorities to open a bank account.


Explore commonly asked questions about opening a bank account in Spain, addressing key concerns and providing essential information for a smooth banking experience.

What are the requirements for opening a bank account in Spain?

Introduction: Learn about the essential documents and criteria needed to open a bank account in Spain, whether a resident or a non-resident.

Can I open a Spanish bank account online from abroad?

Introduction: Explore the possibility of remotely initiating the account opening process, which would offer convenience for those planning to move to Spain or manage finances from overseas.

Are there any fees associated with maintaining a bank account in Spain?

Introduction: Discover the potential charges in maintaining a bank account in Spain, ensuring transparency and informed decision-making regarding your banking needs.


Opening a bank account in Spain is convenient for both residents and non-residents. Spanish banks prioritize customer convenience and satisfaction, making financial management hassle-free. They provide various benefits and services tailored to diverse needs, including easy accessibility, online options, and weekend banking services.

Our English-speaking real estate lawyers can open a bank account for you on your behalf with the power of attorney.
Having a Spanish bank account in Spain is highly recommended when buying a property in Barcelona or investing in Spain. Our real estate lawyers can help you.

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Natalia helped me open account in Spain. The process was very easy. They arranged my meeting with the bank and I only had to go to there to sign some documents. Thanks for your speed and professionalism!

Gary Viena

Bank Account

I highly recommend this law firm to anyone who might need legal assistance in Spain. Immediately after obtaining my NIE, they opened a bank account for me.

Flight Paradise

NIE Number and Bank Account


Contact us, and Marfour International Law Firm will assist you in opening a bank account in Spain. One of our specialized English-speaking lawyers will contact you immediately.  Do not hesistate to send us your enquiry.

Phone: +34 698 917 840
C/ de Bailèn, 36,  4º 2ª  Izda, 08010 Barcelona
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