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Old 19th July 2019, 11:39 AM
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Default Bank account

Hello everyone,

I've recently been offered a job so I need to open a Spanish bank account. I don't have an NIE yet, but I do have my job offer letter and an apartment - I'll be signing the rental contract on Monday. My NIE appointment is at the end of August.

Somebody has recommended Sabadell. Does anyone have any experience with these or have any other recommendations?

Cheers

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Old 19th July 2019, 11:57 AM
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These threads have some info
https://www.expatforum.com/expats/sp...l-charges.html
https://www.expatforum.com/expats/sp...ank-spain.html
https://www.expatforum.com/expats/sp...account-2.html
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Old 19th July 2019, 12:39 PM
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Gem As you will be working here you need to apply for EU Citizens Registration. As you do not have an NIE that will be issued as the number on your certificate on Green paper .

Your official job offer will be sufficient to prove medical cover and income when you make the application

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Old 19th July 2019, 02:26 PM
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Quote:
Originally Posted by gemmac7 View Post
Hello everyone,

I've recently been offered a job so I need to open a Spanish bank account. I don't have an NIE yet, but I do have my job offer letter and an apartment - I'll be signing the rental contract on Monday. My NIE appointment is at the end of August.

Somebody has recommended Sabadell. Does anyone have any experience with these or have any other recommendations?

Cheers
You don't just need an NIE but you need residency (which will give you an NIE as well)

Sabadell, IMHO, is excellent but it all depends on the branch in question.

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Old 19th July 2019, 02:44 PM
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Gem. I should have added: Do not expect banking rules, fees etc to be the same as say in U.K.

You need to ask what charges will be applied to your account. Some charge to deposit and/or withdraw funds from the account and even just to maintain it even if there are no movements.

It’s best to make a list of all services which you may need and ask what the charges are. And shop around there are big differences.


An example. With Sol Bank I was charged £800 to transfer a sterling savings account to another bank. Knowing there was likely to be a problem I tried to negotiate. They refused and charged the full 0.5% on the whole sum!!!


As I said, and later confirmed in another subsequent post, you will need to register

This may help:



TO MAKE AN m WITH THE POLICE FOR NIE, E.U. Citizen registration, etc.

As you go through you will find links to the application forms and the payment, at any bank, form

.• GO TO https://sede.administracionespublicas.gob.es/icpplus/

• PROVINCES AVAILABLE: CHOOSE the province where your are living/ staying

• SECTIONS AVAILABLE IN PROVINCE: OPEN PAGE AND SELECT SECTION REQUIRED

e.g. “policía certificado de residente o no residente” (that includes NIE application)


• ENTER THE DETAILS OF APPLICANT. if you have an NIE show that, if not then show your passport number

• CHOOSE NATIONAL POLICE STATION FOR APPOINTMENT: The one that covers the area where you are living - staying

• CHOOSE APPOINTMENT, AND THEN CONFIRM

• You must PRINT A COPY OF THE APPOINTMENT, And take it with you to the police station

You can find info here in english about completing the EX15 which is similar to an EX 18

http://www.exteriores.gob.es/Consula...0-%20GUIDE.pdf
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Last edited by Juan C; 19th July 2019 at 02:51 PM.
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Old 19th July 2019, 03:22 PM
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Quote:
Originally Posted by Juan C View Post
Gem As you will be working here you need to apply for EU Citizens Registration. As you do not have an NIE that will be issued as the number on your certificate on Green paper .

Your official job offer will be sufficient to prove medical cover and income when you make the application

Yes I believe I have booked the correct appointment for that, on the website I selected "POLICIA-CERTIFICADOS Y ASIGNACION
NIE" which I have to complete an EX-15 form for, so I believe that will cover EU Citizen registration as well?
The only national police station it gave me an option for is 55 miles from where I'm living, but still in the same province, so I hope that won't be too much of an issue? There wasn't any options for a closer station.

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Old 19th July 2019, 04:50 PM
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Quote:
Originally Posted by gemmac7 View Post
Yes I believe I have booked the correct appointment for that, on the website I selected "POLICIA-CERTIFICADOS Y ASIGNACION
NIE" which I have to complete an EX-15 form for, so I believe that will cover EU Citizen registration as well?
The only national police station it gave me an option for is 55 miles from where I'm living, but still in the same province, so I hope that won't be too much of an issue? There wasn't any options for a closer station.
EX-15 is ONLY for an NIE

For 'residency', you use from EX-18

You need to make an appointment online first
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Old 19th July 2019, 06:40 PM
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Gem. I really do not want to appear rude or pedantic etc. but i did say;-

“Gem As you will be working here you need to apply for EU Citizens Registration. As you do not have an NIE that will be issued as the number on your certificate on Green paper”

Thus you need an appointment using an EX18.

Just read your post again. You must go to the police station which covers the area where you are living. Of it does not come up it means there are no dates available at that moment so you need to keep checking until it comes up. If you go to the wrong one they will refuse to let you apply


Last edited by Juan C; 19th July 2019 at 07:02 PM.
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Old 19th July 2019, 08:35 PM
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I have had a residents bank account at Sabadell for some years. If you deposit at least 700€ per month everything is free and you get a percentage back if you pay your bill by direct debit. The account is called an Expansion account.

Steve

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Old 19th July 2019, 08:43 PM
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Quote:
Originally Posted by snikpoh View Post
You don't just need an NIE but you need residency (which will give you an NIE as well)

Sabadell, IMHO, is excellent but it all depends on the branch in question.
Yes Bank Sabadell's Expansion account would be the best, if your going to receive a regular monthly
income from your new job in Spain. They used to pay you 1 per cent interest on all utility bills and phone bills
that you set up as direct debits on your Bank Sabadell account but not anymore as from 1st July 2019.
Nevertheless the proviso that they see at least 700 Euro's a month coming into your bank each month
as your salary or even a money transfer, still remains the same to qualify for free banking.

Another good starter is the Corte Ingles Credit card which will give you 4 per cent cashback on food and
fuel bought at Repsol & Petronor petrol stations, that you will receive as a discount voucher, every
quarter to use in Supercor, Hipercor supermarkets and other qualifying stores.
Note discount vouchers are immune from tax whereas the 1 per cent interest cash back at BS is taxed
at source.

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Last edited by Williams2; 19th July 2019 at 08:57 PM.
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