Will getting a Spanish digital nomad visa affect my US business’s direct deposits into a US bank account?

Last Updated on March 18, 2026 by Bruno Bianchi

Question

How does having a Spanish digital nomad visa impact my American business and its direct deposits to a US bank account?

Answers

These are the answers of some Facebook group members:

”This is not a simple answer. I recommend talking to an attorney or other knowledgeable source. You will need to understand the type of Spanish digital nomad visa you want (W2 employee vs. self employed etc.) to get an answer and to see if this will be possible for you”

”I’m from the US and I have the DNV. My plan is to keep my US bank accounts. My client is in the US and direct deposits into my US bank account. I transfer US dollars from my US bank account to my Wise account where I can convert to Euros. Then I can transfer Euros from the Wise account to my Spanish bank account. You need a Spanish bank account to pay utilities and taxes in Spain.

Some US banks (and investment companies) don’t want to serve US citizens living abroad so be careful what you tell your bank. Typically, US banks require that you have a residential address in the US. Some banks accept a virtual mailbox address. Other banks (such as Bank of America and CapitalOne) are more strict and require a residential street address. Some expats use the address of a family member in the US. You can find lots of banking advice in more general US expat groups”

”Basically yes, but it depends how you pay yourself and the transfers”

Conclusion

In conclusion, according to Spainguru Facebook group members, the impact of a Digital Nomad Visa (DNV) on a US business with direct deposits to a US bank account varies. Some manage by keeping their US account for client deposits and use services like Wise for international transfers to a foreign account. However, US banks may have restrictions for expats, requiring a US address. Success depends on how funds are managed and transferred.

Bruno Bianchi CEO & Spain Immigration Expert

Bruno Bianchi is the founder and CEO of Spainguru, Spain's largest expat immigration community with 150,000+ members. Since 2014 he has helped thousands of people relocate to Spain through expert guides, webinars and vetted professional services covering visas, residency, taxes and life in Spain.

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