Open a Bank Account in Spain Online

Why Open a Bank Account in Spain?

Spain offers a modern, accessible, and secure banking system for both residents and non-residents. Whether you're relocating, working remotely, or planning an extended stay, a Spanish bank account makes it easy to manage daily expenses, receive payments, and access local services.

Can Non-Residents Open a Bank Account in Spain?

Yes, non-residents can open a bank account in Spain. Several banks allow online applications with minimal paperwork. You will typically need to provide identification, proof of address, and a NIE (Foreigner Identification Number), though some banks offer digital accounts without a NIE.

Documents Required

• Valid Passport or EU National ID
• Proof of Address (utility bill, rental agreement)
• NIE (Número de Identificación de Extranjero) – optional for some accounts
• Proof of Income or Employment (varies by bank)

Best Banks in Spain for Online Account Opening

• BBVA – Offers digital accounts with no fees and mobile app onboarding
• Monvenience – Offers digital accounts with SWIFT, High-Risk, & remote onboarding
• Santander – Multiple account options for residents and non-residents
• CaixaBank – English-friendly banking and online services
• N26 – A fully digital bank ideal for expats and frequent travellers

How to Open a Bank Account Online with a provider like Monvenience

1. Check for Transparency (fees, support, SWIFT access, digital tools)
2. Visit the bank's website ( www.Monvenience.com )
3. Submit your documents (passport. Address proof) and complete identity verification at their mobile app
4. Sign digital contracts and receive your IBAN. Fund your account immediately to keep it in good standing.

Benefits of Opening a Spanish Bank Account

• No foreign exchange fees for local purchases
• Ease of setting up utilities and phone services
• Receive salaries, rental income, and government payments
• Access to mobile and online banking in English

Why Choose Monvenience.com – Pros and Cons

At Monvenience.com, we simplify online banking by connecting you with the most efficient, trusted, and regulation-compliant digital banking partners in the Spain and rest of EU. Here's why we stand out:

Pros:

• Fast Account Opening: Open your Spain bank account remotely, often within 24 hours, with minimal documentation.
• No Spain Address? No Problem: We specialize in solutions for non-residents, digital nomads, and expats who don't have a local utility bill or tenancy agreement. You can practically use any address as your home address, as long as it is not in restricted jurisdiction. The whole of EU is also considered a local address.
• Multicurrency Support: Enjoy accounts with GBP, EUR, USD, and more — ideal for freelancers, crypto traders, and international businesses, with our SWIFT IBAN offerings.
• Regulated & Safe: All banking partners are FCA-regulated or licensed under relevant financial authorities, ensuring top-tier security and compliance.
• Business & Personal Accounts: Whether you're launching a startup, need a EU account for your ongoing business, or managing your personal finances, we offer tailored solutions.
• High-Risk Bank Accounts: If you are looking for a banking partner for your licensed gaming and crypto activities, Monvenience caters to the same.
• Transparent Pricing: No hidden charges — just clear, competitive rates for account maintenance, transfers, and currency exchange. Check website for all charges.
• Prepaid-Card: Get physical and Virtual prepaid cards linked to your accout, in association with Mastercard, that will enable you to pick up local currency cash from any ATM, pay for online purchases, or at any shop's PoS.
• Ongoing Support: Our dedicated team helps with account setup, verification, and beyond — we're with you every step of the way. We are just an email or a chat message away.

Cons:

• Non ES IBANs: We offer Lt accounts that are valid across EU and act as a local bank account in Spain or any EEA country, but they do not work for some functions like government payments, where it is mandated that a ES IBAN is required.
• No cash deposit or cheque facility: Being an online bank, we do not have any facility where we can accept cash deposits. We also do not offer cheque book facility, and all transactions are performed online. You can, however, withdraw cash from a local ATM.

Click here to Apply for your Account

Click here to get the document list, that you will need ready, before you apply for your account

Click here to know the fees and charges for your account

Any questions? Use the form given below to send you queries