How to open a bank account in Spain?

If you're in Spain, whether for work, study, or family, and need to manage your money, you'll likely be looking to set up a bank account to handle daily expenses, receive your salary, and set aside your savings.

We'll walk you through everything you need to know about how you can open a bank account in Spain. We'll cover who can open a bank account, if it can be done online, and what documents you'll need. Plus, you'll learn how to choose the right type of bank account for you.

Can I open a bank account online? 

Yes, you can open a bank account online in Spain. Several banks offer this service, allowing you to set up your account remotely. However, some banks may need you to visit them in-person to verify your identity.

Most Spanish banks offer online account opening to residents and, in some cases, non-residents. You’ll usually need to provide proof of identity and address. Non-residents might face more restrictions, and may need to choose a bank that caters to international customers.

Can I open a bank account in Spain as a non-resident? 

Can a foreigner open a bank account in Spain? Simply put, you can open a bank account in Spain without being a resident, but the process might be a bit different than for residents. Non-residents may need additional documentation, such as proof of employment or a Spanish visa, to follow the bank’s requirements.

To open a Revolut bank account in Spain, you'll need proof of residence.

Which documents do I need to open a bank account in Spain?

To open a bank account as a resident in Spain, you'll usually need:

• Proof of identity: a valid passport, national ID card, or driving ‌licence
• Proof of address: a recent utility bill, rental agreement, or bank statement from your current address

If you’re not a resident, you might need extra documents, like proof of employment in Spain, a letter from your university (for students), or your visa details.

Want to open a bank account in Spain with Revolut? Check out our Help Centre and find out how to open a Revolut account.

How long does it take to open a bank account?

The time it takes to open a bank account, and get a Spanish bank account number, varies. Some banks offer quick account set-up if you provide all the required documents online. Others may take from a few days to a week, especially if they need to verify your documents in person.



If you're new to Spain, you'll find that renting requires a bank account, and similarly, opening a bank account typically requires proof of address.

Which type of bank account should I choose? 

Choosing the right type of bank account depends on your needs. Here are some common options:

• Current account: ideal for everyday transactions like receiving your salary, paying bills, and shopping
• Savings account: offers interest on your deposits, and is suitable for saving money over time
• International account: designed for non-residents or frequent travellers, and allows you to hold multiple currencies

The Revolut advantage

Although we're not a traditional high street bank, we still offer many of the same features you'd expect from a traditional bank account. If you're looking for a flexible and modern account, Revolut could be the perfect choice for you.

With a Revolut account, you can:

• pay bills
• make transfers
• hold balances in multiple currencies
• receive money with local account details
• use a debit card
• set up Direct Debits
• schedule payments
• save and budget to reach your goals

Got shared expenses with family or friends? Check out Joint Accounts to simplify splitting your bills and tracking your shared spending.

What are some of the high street banks in Spain?

Several banks in Spain offer different types of accounts, each with unique features. Here are a few to consider:

Banco Santander
Banco Santander provides a variety of accounts tailored for residents and non-residents, including options that support international banking and competitive fees.

BBVA
BBVA offers numerous account types, from personal current accounts to savings accounts, and caters to both local and international clients.

CaixaBank
CaixaBank features a wide range of accounts designed for different needs, including options for expats, making it easier to manage finances in Spain.

Banco Sabadell
Banco Sabadell is known for its customer service and diverse account offerings, suitable for new arrivals and long-term residents alike.

How to open a Revolut account

Already settled in Spain? Ready to open an account in Spain? Get started with these simple steps:



1. Download the Revolut app from the App Store or Google Play Store.
2. Open the app, enter your phone number, and create a 6-digit passcode for your Revolut account.
3. We’ll send you a text message with a 6-digit pin — enter the pin into the app when prompted.
4. Add your name, mailing address, email, and some other information to get your account set up.
5. Upload your Residence Permit Card as proof of residence in Spain.

It may take a little time to get verified, but once that’s completed, you’re all done! You can now get more from your money with Revolut.