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Opening a bank account in Spain is a fairly simple process.  It is advisable to visit the branch of your choice in person, rather than do it by correspondence.

There are two main types of account:

Resident
To open a resident’s bank account you will need an NIE number or residencia (resident’s permit). 

Non Resident
To open a non-resident’s bank account you don’t need an NIE number, but you will need to show your passport.  You may also be asked for evidence of where you live.

Spanish bank account numbers are 20 digits long.  You should know your bank account number as you will be asked for it if you are setting up direct debits or making other financial transactions.

• 1st four digits = bank’s code
• 2nd four digits = branch code
• next two digits = random security code (dígito de control)
• last ten digits = your personal account number

There are many banks to choose from in Spain.  Personal recommendation and English speaking staff are a bonus, particularly if you only have a basic level of Spanish.
Choosing a bank that offers on-line banking in English is also a good idea.

Spanish banking fees can be high. 
When opening an account make sure you are clear on things such as charges, end dates of special introductory offers and terms.  For example some accounts will only let you draw out a certain amount of money each month.  

Bank accounts don’t automatically come with a cheque book; you usually have to ask for one.  This is because the use of cheques is not that common in Spain as most people prefer to use cash or debit cards.  If you try to pay by cheque you may be refused, so always ensure you have an alternative means of paying. 
   

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