What documents needed
The exact list of documents depends on the country of submission, family composition, type of income and the chosen route. Below is a basic document map that Navira personalizes after auditing your situation.
Documents
Personality
Full passport scan
Banks check all passport pages, including blank ones, which is a mandatory requirement of internal verification.
Banks check all passport pages, including blank ones, which is a mandatory requirement of internal verification.
Current NIE number
The tax identification number of a foreigner in Spain.
The tax identification number of a foreigner in Spain.
TIE Resident Card
Or an official decision to issue a residence permit - Resolución de concesión from the Spanish Migration Service (UGE).
Or an official decision to issue a residence permit - Resolución de concesión from the Spanish Migration Service (UGE).
Frequent error
Overdue passport, violation of terms of stay, inconsistency of documents with migration status.
Overdue passport, violation of terms of stay, inconsistency of documents with migration status.
How we check
Before submitting, we analyze: terms of stay and legality of status; set and relevance of documents; compliance of documents with the requirements of the bank; possible risks of refusal before filing.
Before submitting, we analyze: terms of stay and legality of status; set and relevance of documents; compliance of documents with the requirements of the bank; possible risks of refusal before filing.
Documents and migration status are key checkpoints where errors can lead to rejection.
Income
For remote staff
Employment contract with a foreign company, payment sheets (Nóminas / Payslips) and bank statement for the last 3 months with the receipt of wages.
Employment contract with a foreign company, payment sheets (Nóminas / Payslips) and bank statement for the last 3 months with the receipt of wages.
For freelancers and Autónomo
Contracts with foreign clients, invoices and account statement for the last 3 months with confirmation of receipt of payment.
Contracts with foreign clients, invoices and account statement for the last 3 months with confirmation of receipt of payment.
Frequent error
Unconfirmed receipts, lack of regularity of income, discrepancies between contracts, invoices and bank statement.
Unconfirmed receipts, lack of regularity of income, discrepancies between contracts, invoices and bank statement.
How we check
We analyze the source of income, the regularity of receipts, the compliance of financial documents and possible risks for bank audit.
We analyze the source of income, the regularity of receipts, the compliance of financial documents and possible risks for bank audit.
Transparency of the origin of funds is one of the key factors of bank account approval.
Additional documents
Tax return
Declaration for the last reporting year from the country of previous tax residence. Large banks may request it to assess the applicant’s overall financial picture.
Declaration for the last reporting year from the country of previous tax residence. Large banks may request it to assess the applicant’s overall financial picture.
Certificate of residence in Spain
Confirms the actual address of residence and removes additional questions from the bank.
Confirms the actual address of residence and removes additional questions from the bank.
It's important
These documents are not included in the mandatory package, but the bank may request them additionally during the verification process.
These documents are not included in the mandatory package, but the bank may request them additionally during the verification process.
It is better to prepare documents in advance than to face the bank’s requests.
Translations and apostilles
First apostille or legalization
In many cases, the document is first translated into an internationally recognized format.
In many cases, the document is first translated into an internationally recognized format.
Then sworn translation
The Spanish procedure often requires a sworn translation rather than a regular translator.
The Spanish procedure often requires a sworn translation rather than a regular translator.
Frequent error
Translate the document to apostille, allow discrepancies in the data or submit the translation in an inappropriate format.
Translate the document to apostille, allow discrepancies in the data or submit the translation in an inappropriate format.
It's important
We recommend an accredited sworn translator for the correct execution of documents and translations accepted by banks in Spain.
We recommend an accredited sworn translator for the correct execution of documents and translations accepted by banks in Spain.
Legal purity: strict order of registration, sworn translation and reconciliation of each letter in the names.
Don't know where to start moving to Spain?
Bank
Opening a bank account in Spain
Bank
more details
Opening a bank account in Spain from €450
What's important to the client
- Selecting a bank for your situation
- Consultation on documents
- Support during account opening
Deadline for implementation
1-5 working days
Fee
from €450
Our team
Olga
Vsevolod
Olga
Stanislav
Julia
