Banking in Spain: opening an account, abusive fees and a blocked account — in one place
Everything about banking in Spain in one hub: how to open an account even without residency, how to reclaim abusive fees, and what to do if the bank blocks your account — explained simply and routed to a free check with NAVI.
Check my banking issue →✓ No account · ✓ A few minutes
Pick your situation
Non-resident account, the basic payment account and online banks.
Open guide → Abusive bank feesReclaim unjustified fees: the bank’s SAC and the Banco de España.
Open guide → Blocked account (KYC/AML)Why the bank blocked it and the documents to unblock it.
Open guide →A banking problem in Spain?
Tell NAVI the issue — opening an account, a fee or a block. It explains the route, the documents and the next step, no account.
Describe my case →Explore the other hubs
Informational guide on banking for people in Spain. Rules and bank documents change — check your case with NAVI.
This guide is general information about Spanish law, not a legal opinion on your case. Rules change and outcomes depend on your own facts and documents — check your situation before you act on it.
Need everyday protection, not just a one-off check?
Included: checks of Spanish documents, letters, requests and contracts before signing, Action Plans, consultation and sending your claims by burofax.