Community Recommendations To Open A Spanish Bank Account

Opening a bank account in Spain as a foreigner is a straightforward process, with several options available to make it quick and hassle-free. If you’re looking for an online bank that offers a Spanish IBAN for easy access and withdrawals, consider N26, which also provides an English app interface. N26 is known for its user-friendly approach. Another option is Rebel, a Spanish startup that resembles N26. For those seeking a more robust banking experience and are Spanish residents, Openbank, a part of the Santander group, is a reliable choice.

To withdraw money without paying a fee, I recommend N26 with a Spanish IBAN. Rebel is a N26 clone Spanish startup. If you need a more powerful bank account and you are a resident, I recommend Openbank (Santander group).
Antonio | 30-08-2023

If you prefer to interact in English, Bankinter near Santa Catalina is a recommended option, as they can assist you in English. ING is currently opening accounts only for individuals with a NIE verde, while Santander and Revolut allow you to open an account with a white NIE, making it accessible to a broader range of foreigners. You can also explore bunq, which offers a Spanish IBAN and boasts a quick and easy account opening process through their mobile app. These options cater to various preferences and needs, making it convenient for expats and foreigners to set up a bank account in Spain.

Please note that these are answers and recommendations from community members and their personal experiences. Answers can be slightly edited for clarity.


N26 is a popular online bank that offers a convenient and straightforward process for opening a Spanish bank account, making it an excellent choice for expats and foreigners. One of its key advantages is its user-friendly app, which is available in English, easing the navigation and transactions for non-Spanish speakers. N26 provides customers with a Spanish IBAN, allowing for easy access and withdrawals within Spain. Additionally, it’s known for its minimal documentation requirements, often requiring only a valid ID, which makes the account opening process quick and hassle-free. Its reputation for efficiency and accessibility has made it a top choice for those looking to establish a banking presence in Spain.

 I use the online bank N26 for a Spanish IBAN and the app has an English version.
Jon | 27-08-2023


Bunq is another online banking option that offers a convenient and swift process for opening a Spanish bank account. It stands out for its remarkable speed, often allowing users to complete the account setup in as little as five minutes via their mobile app. With bunq, you’ll receive a Spanish IBAN, making it easy to manage your finances in Spain. The mobile app interface is user-friendly and intuitive, catering to both Spanish and non-Spanish speakers. This speed and simplicity, coupled with the availability of a Spanish IBAN, make bunq an attractive choice for those seeking a hassle-free way to establish a bank account in Spain.

Try bunq, they have a Spanish IBAN. It took me only five minutes to open the bank account on the app.
David | 18-10-2023


Bankinter is a well-regarded option for foreigners looking to open a bank account in Spain, particularly those who prefer conducting transactions in English. Located near Santa Catalina, Bankinter is known for its excellent customer service, with staff members who can assist you in English, making the banking experience more accessible and convenient. While it may not offer the same level of speed and online convenience as some digital-only banks, Bankinter’s personalized service and English-speaking support can be a valuable asset, especially if you appreciate in-person interactions and guidance when setting up your Spanish bank account.

Bankinter near Santa Catalina can deal with you in English if you ask. I find them super.
Cillian | 27-08-2023


Santander, a prominent financial institution and a part of the Santander Group, is an excellent choice for those who are residents in Spain and seeking a more comprehensive banking experience. Santander allows individuals to open a bank account even with just a white NIE, making it accessible to a broader range of foreigners. This bank offers a wide range of financial products and services, including traditional and digital banking options. Santander’s widespread network of branches and ATMs across Spain provides customers with both online and in-person banking solutions, making it a versatile choice for managing your finances in Spain.

I opened my bank account at Santander and I am really happy with it.
Cláudia | 20-10-2023


Revolut is a well-known and versatile online banking option for individuals looking to open a Spanish bank account. While it’s not a traditional bank, Revolut offers various financial services, including multi-currency accounts and prepaid debit cards, making it a valuable tool for international travelers and expatriates. Revolut has announced plans to introduce Spanish IBANs, making it easier for users to conduct transactions within Spain. The convenience of Revolut lies in its user-friendly mobile app, which simplifies currency exchange, budgeting, and international transfers. This accessibility, combined with its upcoming Spanish IBANs, positions Revolut as a flexible and innovative choice for those looking to manage their finances in Spain, with a strong focus on international and digital banking needs.

Santander and Revolut allow you to open a bank accunt with just the white NIE.
Debora | 19-10-2023

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