Cómo abrir una cuenta bancaria en España siendo ruso
Natasha works in an Spanish Bank and she explain the Documentation required:
“The documentation required to open a banking account is the same across all financial institutions. You need to present your identity card. Locals would present their DNI (National Identity Card) whilst non-nationals would present their passports.
Before you can first open a savings or current account, you first need to decide if you want to open the account as a resident or a non-resident of Spain.
The only difference between the two is that you don’t have to pay capital gains tax if you open an account as a non-resident of Spain.
To open a resident account, you will need to prove that you are a resident. For locals it suffices with their identity card as it states their local residence address while non-nationals need to present their residency card (NIE) and present it to the bank.
People applying for the non-resident account need to show that you are a non-resident. To obtain such proof, go to the main police office and ask for a certificate of non-residency. This procedure has to be done in person as there is no pre-filled form or online procedure. After 10 days, go to the police station to collect the signed certificate.
Otherwise, you can leave the entire procedure to your bank. All you need to do is to sign a form giving them permission to act on your behalf. However, this is a slower procedure that could take up to several weeks.
Every two years, the bank has the duty to re-confirm non-residency status. This means a similar form will be required every two years and you will need to obtain a new certificate from the police or give permission for the bank to carry out action on your behalf.”
Types of accounts
According to the daily use of the accounts you can choose to open a savings (cuenta de ahorros) or a current account (cuenta corriente).
In a savings account you normally get a better interest rate. This percentage varies and you should monitor it to avoid disappointment in your savings at the end of the year.
The current account is used for your direct debits (domiciliaciones bancarias). The current account would charge a few euros for transactions and cards but could offer deals on the monthly direct debits, such a discount or paying back a percentage up to a certain amount in a year of the money spent through the card payments or from the direct debits.
Banks also offer other types of account for specific purposes such as the mortgage (cuenta hipoteca), fix deposit accounts (cuentas de depósitos a plazo fijo), credit account (cuenta de tarjeta de crédito) or investment accounts (cuenta de fondos de inversión).
People working in Spain can apply for the payslip account (cuenta nómina) so your employer can pay your salary via the account. Those accounts would be less restrictive in terms of withdrawals and would offer savings in credit card costs and transactions.
People under 26 years of age and students can apply for the under 26 account which comes with many deals and discounts such as free credit cards, free subscriptions to a range of teenage magazines, invitations and raffle to events and concerts. This would depend on the bank and you should ask what they offer.
If you qualify for the under 26 account, you need to inform the bank when you are opening the account and provide documentation to verify your condition, such as your student ID card or National ID card as proof of age.
We recomend to contact with Natasha. She, allways with am Smile will help you. And she’s an expert!