Services in Spain · turnkey
Open a Bank Account in Spain — even as a non-resident
We help both residents and non-residents open a bank account in Spain: we select the right bank for your needs, prepare the documents, and guide you through the opening — remotely or in person.
For Residents and Non-Residents
- For residents, we open a standard account (cuenta corriente) — for receiving income, paying rent, school fees, insurance, and using Bizum.
- For non-residents — a non-resident account; you'll need a certificado de no residencia (we can arrange it for you).
What You'll Need
- NIE or foreign passport (for non-residents), proof of address and, if the bank requires it, proof of source of funds.
- We keep your part to a minimum: the firm handles the rest of the paperwork and negotiations with the bank.
Service Cost
Staged payments — you pay only for results · full refund if refused
We'll quote your exact fee after a free case assessment — it depends on your family size and case complexity.
- Bank selection tailored to your needs
- Document preparation and certificado de no residencia
- Support throughout the opening — remotely or in person
- Online banking and Bizum activation
Who you are, where you live, what you do, what the account is for, and where the money will come from. The more complex your international income structure, the more important it is that your documents line up.
Government fees and direct third-party costs (notary, translations, insurance premiums) are billed separately as incurred.
How We Work
Requirements differ between banks and client types. There is no universal checklist along the lines of "a passport plus an NIE and the account is yours": the bank is entitled to request additional documents for KYC.
Source of funds
Banco de España warns that a bank may request documents on the source of funds either when the account is opened or later on. If a client cannot substantiate the origin of the money, access to the funds may be restricted under AML procedures.
What the account is for
Renting a home, receiving a salary, paying utility bills, running a business, buying property or covering day-to-day expenses all shape different expectations on the bank's side about the client profile. It is better to explain the purpose of the account to the bank with documents in advance than to change your story during the interview.
Can the bank refuse
An ordinary account is a contractual product, and a bank may decline under its own policies, but it must not rely on discriminatory grounds such as nationality as such. Separately, there is the cuenta de pago básica (basic payment account) for the categories provided for by law; it comes with its own rights and its own grounds for refusal, including failure to provide AML information.
What makes professional support genuinely useful
- Free assessment of your situation
- Bank and program selection
- Document preparation
- Account opening and online banking activation
What stays on your side
- Hand over the source documents and accurate details of your situation — from there we do the work ourselves.
- Pay the government fees and third-party services: translations, apostille, notary. These are paid directly and are not part of the case handling.
- Appear in person where presence is required: fingerprinting, the consular interview, signing before a notary.
- Tell us when something changes — address, job, family, letters from the authority: the timeline depends on it.
The procedures rest on the Reglamento de Extranjería (RD 1155/2024, in force since 20 May 2025) and, for citizenship, on the Código Civil; the official texts are published by the BOE. EuroGarant is a private firm: we are not a government body and are not affiliated with Extranjería, the National Police or the Spanish consulates. The decision on an application is made by the authority alone.
FAQ
- Can a non-resident open an account? Yes — we open non-resident accounts using a foreign passport and the certificado de no residencia. We'll find a bank suited to your case.
- Can the account be opened remotely? In many cases, yes — some banks allow accounts to be opened remotely. If an in-person visit is required, we'll accompany you on site.
- How long does it take? Usually from a few days to a couple of weeks — it depends on the bank and how ready your documents are.