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.

Accounts

Santander Non-Resident Account

A current account for non-residents in Spain that you can open online in a few steps from wherever you are and that will allow you to receive payments, make transfers and more.

€0 in maintenance fees.
Send money anywhere in the world with a €0 transfer fee¹.
Whether you are a foreigner or a Spaniard living abroad.

Open an account

Open your bank account in Spain as a non-resident

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!

What are the requirements to open a spanish bank account online?

To open your Online Account:

Must be over 18 years old.
Must have a valid passport. If you are Spanish but live abroad, you can use your National ID Card to open the account.

If you have any questions, please check the FAQs for the Non-Resident Bank Account.

What are the advantages of opening a bank account in Spain for non-residents?

In addition to being able to open this account 100% online, you can:

Receive a debit card with no issuance or maintenance fees for your purchases and ATM cash withdrawals. If you have a physical address in Spain, we will send you a physical card; otherwise, you can enjoy a virtual card.
Withdraw cash using a debit card with no fees at over 30,000 Santander ATMs worldwide.
Make euro transfers without paying any fees, either online or at Santander ATMs. Transfers to any bank in the United Kingdom, Poland and Portugal are also free of charge. Foreign exchange conversion charges are excluded.
Make transfers outside Spain with a €0 issuance fee via the App and website. Please note that a foreign exchange conversion charge applies.

Can I have a credit card with the Non-Resident Bank Account?

You can apply for a credit card¹ with no issuance or maintenance fees.

Use your credit card to pay for purchases in non-euro currencies without paying any foreign currency transaction fees. (If you have a physical address in Spain, we will send you the physical card; otherwise, you will receive a virtual card).

How can you open your Spanish bank account online?

Enter your details

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.

Confirm your identity

Identification will be done by video; we will request access to your camera and microphone.

Read and accept the terms and conditions

Review the General and Specific Terms and Conditions of the contract, using the signature system that we will grant you access to.

Open an account

What important information do I need to know about the Non-Resident Bank Account? ?

Before opening the account, it is important that you carefully read and review these documents:

Pre-contractual information: describes how the account works and its features. You will find the most important things highlighted in bold.
Fee information document: contains the fees payable for the most common services associated with the account.

Access your account 24/7 with the Santander Spain App

Control your accounts and cards

Access your account to review payments made and received, as well as your Santander cards.

Make payments and transfers.

Enjoy a Financial Assistant

View your income and expenses by period or category.

Receive messages with ideas to help you organise your finances.

Manage your bills and subscriptions

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.

Piggy banks for your savings targets

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.

Non-Resident Bank Account FAQ

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 the Online Account using your passport: Argentina, Austria, Belgium, Brazil, Canada, Chile, Czech Republic, Denmark, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Lithuania, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Sweden, Switzerland, United Kingdom, Uruguay.

Useful information:

1. €0 issuance fee for individuals. Note that a currency exchange fee may apply.

2. 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.