How to open a bank account in Spain if you are a non-resident from France?

Here’s how to open a bank account in Spain as a non-resident: what’s the process, what documents do you need, and what conditions must be met?

If you’re living between France and Spain, Wise offers a multi-currency account that lets you hold euros, get an IBAN, and receive payments without fees.

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Non-resident bank account in Spain: conditions to meet

To open a non-resident account in Spain, some banks will require a specific certificate issued by the General Directorate of Police. Without this document, your application may not be accepted.

Most traditional banks in Spain do not allow non-resident accounts to be opened remotely — you’ll need to visit a branch in person to complete the process.

Required documents to open a non-resident account in Spain

The exact list of documents varies depending on the bank and your status (employee, student, retiree, etc.).

Here’s what you may be asked to provide:

• Proof of identity: Passport or national ID card.
• Proof of professional activity: Payslip, employment contract, unemployment certificate, or other relevant documentation.
• Non-resident certificate: Request this at the General Directorate of Police by presenting your passport and a copy. It usually takes around 10 days to issue. Some banks can request it on your behalf for a fee.
• Proof of address in Spain: Utility bill, rental contract, or similar document.
• NIE (Foreigner Identification Number): Required for most legal, tax, or banking procedures in Spain. If needed, your bank can help you obtain it (also for a fee).

Tip: Students may find it easier to open an account — some university-affiliated banks allow this without requiring a non-resident certificate, as long as you show your student ID.

How to open a bank account in Spain as a non-resident from France

Before starting, choose your preferred bank and confirm the required documentation. Requirements can vary by institution and by your personal situation.

Once your documents are ready, go to a local branch and request to open a non-resident account.
The process typically takes about 20 minutes, and your card will either be mailed to you or available for pickup at the branch.

Please note: Any French documents must be translated into Spanish and apostilled by a notary — otherwise, they won’t be accepted.

To open a non-resident account in Spain:

1. Gather all required documents.
2. Visit the bank in person.
3. Provide your paperwork to the advisor, who will complete your application.
4. Receive your card at home or collect it at the branch within a few days.

Can you open a Spanish non-resident account remotely?

In most cases, no — opening a non-resident account online is not allowed.
The only alternative is to grant power of attorney to a Spanish lawyer or agency to open it on your behalf (this is a paid service).

If you prefer to open an account remotely, consider a digital provider like Wise — the process is 100% online and free of paperwork.

Which bank to choose for a non-resident account in Spain?

Major Spanish banks

The largest Spanish banks — BBVA, Banco Santander, CaixaBank, and Sabadell — all offer accounts for non-residents.
Conditions vary, so it’s worth checking the eligibility criteria before applying.

Advantages:

• Large ATM and branch network across Spain.
• Easy access to in-person customer service.

Disadvantages:

• Higher fees for international or foreign currency transactions.
• Most use marked-up exchange rates, making foreign payments more expensive.

Regional banks in Spain

Regional banks operate in specific areas but provide the same basic services as national ones.
The downside is limited ATM coverage outside their region, meaning potential withdrawal fees.

These banks often cater to wealthier clients looking for more personalized service.

Online banks for non-residents in Spain

Online banks in Spain generally fall into two categories:

• Traditional Spanish banks offering digital access (BBVA, Santander, ING, Sabadell…).
• International payment platforms offering multi-currency accounts with IBANs.

Many traditional banks (like Sabadell and La Caixa) also have French-language websites, which can simplify the process for expats from France.

However, these banks may still charge:

• Account maintenance fees,
• Currency conversion fees,
• Foreign withdrawal commissions.

International alternatives like Wise can be more cost-effective and globally focused.
If you’re moving to Spain but not officially residing there, Wise offers a flexible and affordable solution — a multi-currency account with an IBAN for free SEPA transfers and euro payments.

The only limitation: free cash withdrawals are capped at a certain amount per month. If you mainly pay by card, this won’t be an issue.

FAQ: Non-resident accounts in Spain

What documents are needed to open a Spanish non-resident account?

You’ll need at least proof of identity, proof of address, and professional status.
Some banks also require a non-resident certificate or NIE number.
You can often pay the bank to handle these steps for you.

How to get the non-resident certificate?

You can request it directly at the General Directorate of Police in Spain by presenting your passport and a copy.
It’s typically ready in around 10 days.

Which banks are best for non-residents?

For convenience and wide access, go with a major national bank (BBVA, Santander, La Caixa, Sabadell).
If your Spanish is limited, note that La Caixa and Sabadell offer French-language websites.

Alternatively, you can choose an international provider like Wise, which offers IBAN accounts accessible online from France.

Open a Wise account online without a non-resident certificate

With Wise, you can open an account with an IBAN, receive euro payments for free, and manage money in multiple currencies.

If currency conversion is needed, Wise always applies the mid-market exchange rate — unlike most traditional banks that add hidden markups.

Best of all, the sign-up process is entirely online — no in-person visit required.

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This article is a translation of the original article published in French and was translated within 365 days of publication. While the content has been translated for accessibility, the data and sources referenced have not been updated since the original publication date.