Last Updated on March 18, 2026 by Bruno Bianchi
Question
Does anyone know any Roth IRA accounts that are easy to contribute to as Americans living in Spain? Currently searching for one, any advice or info would be appreciated. Or if someone knows an advisor who could help me.
Answers
These are the answers of Spainguru’s Facebook group members:
Planning your move to Spain?
Get the free step-by-step roadmap used by 10,000+ expats — covering visas, budget, housing, and the mistakes to avoid.
Start the Moving to Spain Hub →“I opened my Roth IRA online with Fidelity (when I was in the US), but I just needed a US address and proof of identity.
They ask for your employment information too, but I don’t remember what it was specifically they asked for, so that could be a potential road block. Otherwise, I think it’s pretty straightforward.”
“You have to prove you’ve paid taxes to contribute!”
“I have Betterment, and I like it a lot because it uses the robo investor so you can be hands off and vary your risk level depending on how comfortable you are – it’s online only though I believe.”
Confused about Spanish taxes?
Spainguru's vetted tax advisors specialize in expat tax situations — US/Spain treaties, Modelo 720, Beckham Law, and more.
Meet Tax Experts →“I think you can’t do it if you are in Spain.”
“You need to open it in the US. You can invest in Vanguard abroad, though (not a Roth, but it’s an option).”
“Weirdly enough, I faced more issues figuring out contributing to it than I did setting it up. I’m with a FCU though, so they’re a little bit more personalized/local in their service. I’m sure with a larger institution you get better access/options via online banking or other platforms.”
Conclusion
For Americans living in Spain wishing to contribute to Roth IRA accounts, the process involves several considerations, including the need for a US address and proof of identity.
Some members have successfully opened accounts online with financial institutions like Fidelity and Betterment, highlighting the importance of being able to prove tax payments.
While there seems to be a consensus that opening and contributing to a Roth IRA from Spain is challenging, options like investing with Vanguard offer alternatives. The discussion also indicates that larger financial institutions might provide more streamlined online services suitable for expats.
Meta description: Discover how Americans in Spain can manage Roth IRA contributions, including tips on opening accounts and navigating tax requirements.
Get your free step-by-step Spain move plan
10 emails over 2 weeks covering visas, budget, housing & the mistakes to avoid.
Join 10,000+ expats who used this roadmap.
100% free · No credit card · Unsubscribe anytime
