Open an account
If you live abroad, open your account 100% online, wherever you are.
1/6
This number is indicative of the risk of the product, being 1/6 indicative of lower risk and 6/6 of higher risk.
Banco Santander is attached to the Credit Institutions Deposit Guarantee Fund. For money deposits the maximum guaranteed amount is 100,000 euros per depositor in each credit institution.
The Non-Resident Bank Account is a non-interest-bearing current account (NIR 0%, AER 0%) for individuals, with no fees, that you can open if you live outside Spain, whether you are a Spanish citizen or not. Exclusive to new customers!
To open your Online Account:
If you have any questions, please check the FAQs for the Non-Resident Bank Account.
In addition to being able to open this account 100% online, you can:
You can apply for a credit card1 with no issuance or maintenance fees.
You can use your credit card to pay for purchases made abroad in a currency other than euros, with no fees for purchases in non-euro currencies. (If you have a physical address in Spain, you will receive a physical card; otherwise, a virtual card will be provided).
1
Fill in the form with your details, such as your full name, passport or Spanish National ID Card no. (DNI), contact details and address, etc.
2
Identification will be done by video; we will request access to your camera and microphone.
3
Review the General and Specific Terms and Conditions of the contract, using the signature system that we will grant you access to.
Before opening the account, it is important that you carefully read and review these documents:
Open an account
If you live abroad, open your account 100% online, wherever you are.
Access your account 24/7 with the Santander Spain App
Access your account to review payments made and received, as well as your Santander cards.
Make payments and transfers.
You will be able to easily identify your subscriptions on cards and direct debits in your account, giving you full control over all your recurring payments.
You will also have the option to cancel subscriptions you no longer need more easily.
View your income and expenses by period or category.
Receive messages with ideas to help you organise your finances.
Define your savings goals to save effortlessly and set yourself challenges that help you save.
Choose how often you want to set money aside and round up your card purchases.
Yes, if you are a foreigner not residing in Spain, you can open a bank account. To do so, you will need an ID document (usually a passport).
The term "non-resident" applies to any natural person (except diplomatic personnel) with regular residence or permanent address abroad. In addition, being a non-resident means you are not paying resident taxes or have acquired the status that would require you to pay taxes like a Spanish citizen (even if you are a foreigner).
If you are a foreigner and a tax resident in Spain, you need to identify yourself with the Foreigner's Identification Card no. (NIE). If you are from a European Union country, you need to identify yourself with the EU citizen registration certificate and your passport.
Having an online arrangement process that meets the requirements and operations of all countries is a complex process. For this reason, the possibility of opening this account online is only available in certain countries and will be expanded progressively.
These are the countries from which you can currently open a non resident spanish bank account online: Argentina, Austria, Brazil, Canada, Chile, Czech Republic, Finland, France, Germany, Greece, Hungary, Ireland, Italy, the Netherlands, Norway, Poland, Portugal, Romania, Sweden, Switzerland, the United Kingdom, the United States, Uruguay.
Open a non-resident spanish bank account online now
Useful information:
1. Card eligibility subject to the bank's prior approval. This card allows payments to be deferred. Bear in mind that if you choose a very low repayment instalment, your debt may remain outstanding for longer than expected, given that your monthly instalment is first used to pay interest and fees and then to repay your principal. Remember to use your credit card responsibly. Abusive usage of financing entails a risk of indebtedness with long-term consequences that may affect your financial planning.
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