What you need
- Passport.
- NIE (most banks require it; some open non-resident accounts with a passport only).
- Proof of address and, for residents, your TIE or EU registration certificate.
- Proof of income or employment, because of anti-money-laundering checks.
Resident vs non-resident
Non-resident accounts are for people who live abroad but have property or bills in Spain. You must prove non-residence (a certificate from the tax agency, or other evidence). Once you become resident, tell the bank.
Fees
Spanish banks often charge monthly fees unless you pay in a salary, keep a minimum balance or use their cards. Compare conditions.
Online banks and fintechs
EU-based online banks and payment apps work for many daily needs. Some Spanish direct debits still require a Spanish IBAN (starting ES), so a local account remains useful.
Bizum
Linked to Spanish bank accounts, Bizum lets you send money with a phone number. Landlords, shops and friends will expect it.
