Last Updated on April 21, 2026 by Bruno Bianchi
Question
Is it possible to open a Spanish bank account without an NIE number?
Answers
These are the answers of some Facebook group members:
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Start the Moving to Spain Hub →“I opened a bank account at Sabadell with just passport. they wanted last 2 years of tax returns and mucho más!”
“N26 has Spanish IBAN, pay all bills, taxes, transfers.”
“Yes, its possible. Santander Bank has this option”
“Without a NIE I highly doubt it, without a residency yes, it’s called non-resident account”
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“I opened an N26 account online but needed NIE and Spanish address”
“Yes, in BBVA. Non-resident account is called.”
“I opened with santander with a nie. But they have an option without.”
“You can open at Sabadell with your passport, I believe”
“Openbank or N26“
“N26 I think”
“I opened bank account at BBVA without NIE, but with passport and employment contract.”
“Yep non residents Acc.”
“It is possible to open a Spanish bank account without an NIE number, although the requirements and options may vary by bank. Some banks that have been mentioned as allowing this include Sabadell, Santander, N26 and BBVA. In some cases, a passport and employment contract may be sufficient to open an account, while other banks may require additional documentation such as tax returns or a Spanish address. Some banks may offer a special “non-resident account” for individuals without an NIE. It is recommended to check with the specific bank for their requirements and options.”
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