Open a bank account using your passport
Key Account:
Your account in Spain, wherever you are
More than an account: a bank that understands you
Whatever your plans in Spain, at Banco Sabadell we do more than just help you open an account.
We support you from the very beginning with a specialised relationship manager who understands your situation, assists you in your language, validates the necessary documentation and answers your questions so that you can get started with complete confidence.
Whether you are going to live in the country or need an account for your second home, we turn opening your account into a welcome service designed with you in mind, so that you can focus on what matters: enjoying this new chapter in Spain.
Once your account is open, you can manage your money completely independently:
- Bank online wherever you are
- Carry out your day-to-day banking securely
- Take out products easily
For international customers
Manage your money in Spain from abroad
Free cards
Enjoy your debit and credit* card
Exclusive translation service
We speak your language and understand your needs
You can count on an account manager to attend to you personally in your language. In addition, we offer you an exclusive, free1 translation service to make your job easier and help you save time.
Fees
View the fees that apply to the most frequently used services of the account
We provide you with the Fees Information Document which shows the fees payable for the most frequently used services of the Key Account. It will help you to compare the Key Account with other payment accounts.
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The keys to your Key Account
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Cards
Your first BSCard debit card and Classic credit* card. -
Sabadell CashbackRecover part of what you spend when you shop with your Banco Sabadell cards in a wide selection of participating merchants.
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Transfers, including instant onesSend and receive money online in Spain and European Economic Area countries for free2.
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Exclusive translation serviceEnjoy 10 free translations per year of written texts up to 500 words1.
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Cash withdrawalsWithdraw cash for free from an extensive network of ATMs3.
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Cards
Your first BSCard debit card and Classic credit* card. -
Sabadell CashbackRecover part of what you spend when you shop with your Banco Sabadell cards in a wide selection of participating merchants.
-
Transfers, including instant onesSend and receive money online in Spain and European Economic Area countries for free2.
-
Exclusive translation serviceEnjoy 10 free translations per year of written texts up to 500 words1.
-
Cash withdrawalsWithdraw cash for free from an extensive network of ATMs3.
How to open a bank account for foreign nationals
Fill out this
form
with your details so that a relationship manager can call you. We assess whether you are a resident or non-resident in order to prepare your case on a personalised basis before meeting with you.
- Confirm what documentation you need
- Assign you to the nearest specialist branch
- Connect you with the team that best meets your needs, preferably in your language
At your in-person appointment, your relationship manager will validate everything immediately, activate your account and answer any questions you may have. You will leave ready to bank!
Would you like to find out about other Banco Sabadell bank accounts?
Sabadell Online Account
No permanence or commitment conditions.
Free debit card and credit* card, with no issuance or maintenance fees.
Only for new customers.
Click on “Find out here” and discover our current promotion.
Click on “Find out here” and discover our current promotion.
Basic payment account
For customers who don't yet have an account in Spain.
Access to digital banking and the bank's ATMs.
Debit card with no issue or maintenance fee.
Get yourself an account
Sabadell Account
Enjoy a debit card with no issue or maintenance fee.
Operate with your cards and make transfers conveniently.
Sabadell First Account
Account for minors with no administration or maintenance fee (NIR 0 % / APR 0 %).
The associated debit card with no issue or maintenance fee for holders over 14.
Do you want to send money from your international account to your Banco Sabadell account?
Data that support out banking experience and digital innovation
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Download the Banco Sabadell App
Manage your account
from your mobile
from your mobile
More information about the Key Account
To open a Key Account, you need to visit a branch in person.
You must be of legal age, have valid identification, provide your TIN (Tax Identification Number) and not be on any defaulters' lists.
For resident and non-resident foreign nationals, a national identity document or passport from the country of origin is accepted, together with proof of address. In the case of non-residents, a certificate of non-residence may also be required in certain circumstances.
The account has a maintenance fee, which you can see updated at this
We answer your questions about the Key Account
What is the difference between a resident and a non-resident?
Resident:
- Legal residence: Has the right to live in Spain permanently, either because they are an EU citizen, hold a residence permit or are a Spanish citizen.
- Tax residence: A person is considered tax resident if they spend more than 183 days a year in Spain, if their main centre or base of activities or economic interests is in the country, or if their spouse and/or minor children reside in Spain.
- Taxes: They are subject to tax on their worldwide income, meaning that they must declare and pay tax on income earned both in Spain and abroad.
Non-resident:
- Legal residence: Does not have the right to reside permanently in Spain, although they may be in the country temporarily for reasons such as tourism, study or business.
- Tax residence: Does not meet the criteria for being considered tax resident in Spain.
- Taxes: Only pays tax on income generated in Spain, not on worldwide income.
What are the requirements for opening a bank account in Spain as a foreign national?
As for the necessary documents, non-resident citizens only need to provide their national identity document or passport from their country of origin, together with proof of address and, in certain circumstances, a certificate of non-residence.
To open the account, the required documentation varies according to the applicant's country of origin:
- European Union (EU) residents: If you are an EU resident, you can open your bank account using the identity document from your country of origin or a valid passport.
- Non-EU residents: If you do not reside in an EU country, you will need to provide your passport in order to open the account.
Is an NIE required to open a bank account in Spain?
In addition to the identity document, the official requirements are that you must be of legal age, provide your TIN (Taxpayer Identification Number from your country) and provide proof of address. As this is a process that requires validation, you must visit a branch in person by making an appointment in advance.
What is a TIN and why do I need it to open the account?
Depending on your nationality or country of origin, the TIN may have different names:
- In the United Kingdom: It corresponds to the National Insurance Number (NINO) or the Unique Taxpayer Reference (UTR).
- In the United States: It is usually the Social Security Number (SSN) or the Individual Taxpayer Identification Number (ITIN).
- In France: It is the Numéro Fiscal de Référence (SPI).
- In Italy: It is known as the Codice Fiscale.
- In Latin American countries: It may be referred to as an RFC, RUT, CPF or NIT, depending on the country.
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Do you have any questions?
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Branches and ATMs
Contact us
Customer Service
Legal terms and conditions
Representative example (during the promotional period): APR: 0%. NIR: 0%. Calculated assuming an average balance of €2,500 is maintained constantly for 1 year and the 100% waiver of the aforementioned maintenance fee is applied.
Representative example (without waiver after the promotional period): APR: -6.2480%. NIR: 0%. Calculated assuming an average balance of €2,500 is maintained constantly for 1 year charging the maintenance fee of €40/quarter.
1. With Key Account's translation service you can request the translation of texts up to 500 words free of charge.** If you want to translate longer texts, a special price for the extra words will apply. Contact your branch to process the request.
** You can make up to 10 requests per year per account. It is not possible to accumulate translations in a single request or to split the same text in different requests.
3. Free cash withdrawals at Banco Sabadell ATMs for any amount, and for debit transactions of €60 or more at ATMs run by the main banks belonging to the EURO 6000 network: Abanca, Ibercaja, Kutxabank, Unicaja Bank, Liberbank, Caixa Ontinyent and Colonya Caixa Pollença.
* The granting of the credit card is subject to the previous approval by Banco Sabadell, after carrying out the corresponding risk and viability study.
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