Yes, you can open a Spanish bank account online, but the process depends on whether you're a resident
You can open a Spanish bank account entirely online if you're a Spanish resident or a citizen of another EU country. Non-EU citizens can also open accounts online, but some banks require you to visit a branch in person or provide additional documentation. The fastest route is to use a bank that operates both in Spain and your home country — they already have your identity verified through your existing account.
Spanish banks that accept online applications from abroad include BBVA, Santander, CaixaBank, and Sabadell. Each has different requirements for non-residents, and some offer accounts specifically designed for expats. The entire process typically takes three to five business days once you've submitted your documents, though some banks complete it within 24 hours.
Key Takeaways
- EU residents can open a Spanish bank account online with just an ID, proof of address, and a video call verification; non-EU citizens usually need additional steps or an in-person visit.
- Banks that already hold your account in another country often approve online applications faster because they've already verified your identity.
- You will need a Spanish tax identification number (NIF) for most accounts, though some banks can help you obtain one as part of the application.
- Monthly fees for Spanish bank accounts range from zero to around €15, depending on the bank and account type; compare what's included before you apply.
- Once your account is open, you can set up international transfers, direct debits, and card payments immediately, though some features may take an extra day to activate.
What documents you need to open an account online
Every Spanish bank requires proof of identity and proof of address. For identity, you'll need a valid passport or national ID card. For address, a recent utility bill, rental agreement, or official letter from your employer works — it must show your name and current address and be dated within the last three months.
If you don't already have a Spanish tax identification number (NIF), the bank can usually request one for you during the application, or you can obtain one through the Spanish tax authority (Agencia Tributaria) before you apply. Some banks ask for a copy of your employment contract or proof of income, especially if you're opening a premium account or planning to transfer large amounts regularly.
Non-EU citizens may also need to provide a copy of their residence permit or visa, depending on the bank. Check the specific bank's website before you start the application — requirements vary, and submitting incomplete documents will delay approval.
Which banks accept online applications from outside Spain
BBVA accepts online applications from EU residents and some non-EU citizens; the process is fully digital and takes about two business days. Santander offers an online account opening for EU residents and has a separate process for non-residents that may require a video call. CaixaBank allows online applications from EU residents and requires a video verification call; non-EU applicants should contact a branch directly.
Sabadell has an online process for EU residents and offers accounts designed for expats, with English-language support. ING Direct Spain operates entirely online and accepts applications from EU residents; approval typically takes one business day. Revolut and Wise are not traditional Spanish banks but offer Spanish IBAN numbers and can be opened online from anywhere; they're useful for international transfers but don't offer the full range of services a traditional bank does.
If you already have an account with one of these banks in another country, log into your existing account and look for an option to open a Spanish account — this route is almost always faster and requires less documentation.
The video verification step and what to expect
Most Spanish banks require a video call to verify your identity before they approve your account. This is not optional for online applications, and it's the step that most often causes delays. The bank will send you a link to schedule the call, usually within 24 hours of submitting your application. The call typically lasts five to ten minutes.
During the call, a bank representative will ask you to show your ID, confirm your address, and answer basic questions about the account you're opening. They may ask why you're opening an account in Spain, what you plan to use it for, and whether you have other accounts elsewhere. Have your ID and proof of address ready before the call, and make sure you're in a quiet space with good lighting and a stable internet connection.
If the bank cannot reach you for the scheduled call, they will usually send you a reminder and offer another time slot. If you miss the second appointment, some banks close your application and you'll have to start over. Check your email and phone regularly during the application process.
Timeline from application to first transfer
The fastest timeline is 24 to 48 hours: you submit your application, complete the video call the same day, and the bank approves your account by the next morning. Your account number and IBAN arrive via email, and you can begin receiving transfers immediately. Sending your first transfer may take an extra day to activate, depending on the bank.
A typical timeline is three to five business days. This accounts for the time it takes the bank to review your documents, schedule and conduct the video call, and process your approval. Weekends and Spanish public holidays add extra days — if you apply on a Friday, don't expect approval until Tuesday or Wednesday.
If the bank requests additional documents or information, the timeline extends by another two to five days. This happens most often with non-EU citizens or if your address proof is unclear. Once you provide what they ask for, approval usually follows within one business day.
Fees and account types for online customers
Spanish banks offer several account types, and the one you can open online depends on the bank and your residency status. Basic accounts are free or cost €3 to €5 per month and include a debit card, online banking, and a set number of transfers per month. Standard accounts cost €8 to €12 per month and add unlimited transfers, higher withdrawal limits, and sometimes travel insurance. Premium accounts cost €15 or more and include investment services, credit products, and priority customer support.
Most banks waive monthly fees if you maintain a minimum balance (usually €1,000 to €3,000) or set up a direct deposit of your salary. International transfer fees vary: domestic transfers within Spain are usually free, transfers to other EU countries cost €3 to €8, and transfers outside Europe cost €15 to €30. ATM withdrawals in Spain are free at your bank's machines; withdrawals at other banks' ATMs cost €1 to €3.
Compare the account types on each bank's website before you apply. The cheapest account is not always the best if you plan to make frequent international transfers or need features like overdraft protection.
What happens if you're not an EU resident
Non-EU citizens can open Spanish bank accounts online, but the process is more restrictive. Some banks require you to visit a branch in person, even if you're applying online — they'll ask you to come in for the video call instead of doing it remotely. Others accept online applications but ask for additional documents, such as a copy of your residence permit, visa, or proof of employment in Spain.
If you're a non-EU citizen living outside Spain, opening an account online is harder. Most banks will not complete the process without an in-person visit or a video call with someone who can verify your identity in real time. Your best option is to contact the bank's international customer service line and ask whether they can accommodate a remote video call, or to visit a Spanish consulate or embassy in your country if one is nearby.
Some non-EU citizens have success opening accounts with banks that have branches in their home country first, then requesting a Spanish account transfer once they're already a customer. This route takes longer but avoids the need for an in-person visit.
Frequently Asked Questions
Do I need a Spanish address to open an account online?
Yes, you need a current address in Spain or proof that you will have one soon. If you're moving to Spain and don't have an address yet, some banks will accept a letter from your employer or landlord confirming your future address. Contact the bank before you apply to ask whether they'll accept a temporary address or a letter of intent.
Can I open a Spanish account if I don't speak Spanish?
Yes. BBVA, Santander, Sabadell, and ING Direct all offer English-language support during the application process and for customer service afterward. Revolut and Wise operate entirely in English. Check the bank's website to confirm English support is available before you start your application.
What's the difference between opening an account as a resident versus a non-resident?
Residents can open accounts online with minimal documentation and no in-person visit. Non-residents may face additional verification steps, higher fees, or a requirement to visit a branch. Some banks also restrict the types of accounts non-residents can open — for example, they may not offer investment or credit products online.
Can I use my account to receive salary payments from outside Spain?
Yes. Once your account is open, you can receive international transfers to your Spanish IBAN. Your employer can set up direct deposits, and the transfer usually arrives within one to three business days depending on the country. Inform your employer of your full IBAN and BIC code (the bank's international identifier) to avoid delays.
What happens if my online application is rejected?
The bank will send you an email explaining why. Common reasons are incomplete documentation, an unverifiable address, or a mismatch between your ID and the address you provided. You can reapply once you've corrected the issue, or you can contact the bank's customer service to ask whether they'll reconsider your application with additional information.