🇪🇸 Spain · Business Banking
Opening business and personal bank accounts, remote options, required documents, and fees.
Quick answer
Spanish banking includes large retail banks and online banks. Opening an account usually needs an NIE, ID and proof of address or activity; non-resident accounts are available with more documentation. The Banco de España supervises banks.
Banks in Spain are supervised by the Banco de España within the EU/ECB framework. Residents and non-residents can open accounts; a foreigner typically needs an NIE and proof of address.
- The Banco de España supervises banks alongside the European Central Bank.
- Opening an account usually requires an NIE or passport and proof of address or activity.
- Non-resident accounts are available with additional documentation.
Official authorities
- Banco de España
Central bank and banking supervision.
Frequently asked questions
Do I need an NIE to open a Spanish bank account?
Residents generally need an NIE; some banks offer non-resident accounts with a passport and a non-residency certificate.
Are online banks available?
Yes — several app-based and online banks operate in Spain with lighter branch requirements.
What documents are required?
Typically a passport or ID, NIE, and proof of address, employment or student status.
Official-information aggregation, not legal advice. Always verify on the authority's own site.