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Opening a bank account

Posted: Mon Jan 23, 2023 4:13pm
10 replies176 views6 members subscribed
aadebbah

Posts: 139

4 helpful points

Location: Denia

Joined: 13 Sep 2018

Hi everyone ,

What is the easiest way for a European 

person  , not present in Spain to open a bank account in Spain as she is planning to buy a house in this country .

Thank you 

,

tebo53

Posted: Mon Jan 23, 2023 5:13pm

tebo53

Legendary helpful member

Posts: 3801

4083 helpful points

Location: Benidorm

Joined: 29 May 2018

Posted: Mon Jan 23, 2023 5:13pm

aadebbah wrote on Mon Jan 23, 2023 4:13pm:

Hi everyone ,

What is the easiest way for a European 

person  , not present in Spain to open a bank account in Spain as she is planning to buy a house in this country .

Thank you 

,

You will need to grant someone Power of Attorney. Then they will be able to open an account for you.

Steve

aadebbah

Posted: Mon Jan 23, 2023 5:27pm

aadebbah

Original Poster

Posts: 139

4 helpful points

Location: Denia

Joined: 13 Sep 2018

Posted: Mon Jan 23, 2023 5:27pm

tebo53 wrote on Mon Jan 23, 2023 5:13pm:

You will need to grant someone Power of Attorney. Then they will be able to open an account for you.

Steve

Thank you Steve very helpful 

PedroB

Posted: Mon Jan 23, 2023 9:11pm

PedroB

Helpful member

Posts: 272

188 helpful points

Location: Salinas

Joined: 27 Mar 2021

Posted: Mon Jan 23, 2023 9:11pm

aadebbah wrote on Mon Jan 23, 2023 4:13pm:

Hi everyone ,

What is the easiest way for a European 

person  , not present in Spain to open a bank account in Spain as she is planning to buy a house in this country .

Thank you 

,

Remember you don’t need a Spanish bank account to buy a house in Spain. I use my Wise account. Never had a Spanish bank account. 

RoboRs2

Posted: Mon Jan 23, 2023 10:40pm

Posts: 29

14 helpful points

Location: Sanet Y Negrals

Joined: 21 Feb 2020

Posted: Mon Jan 23, 2023 10:40pm

PedroB wrote on Mon Jan 23, 2023 9:11pm:

Remember you don’t need a Spanish bank account to buy a house in Spain. I use my Wise account. Never had a Spanish bank account. 

How do you pay for IBI and other bills?

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Sligogent

Posted: Tue Jan 24, 2023 12:39am

Sligogent

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Posts: 280

118 helpful points

Location: Torrevieja

Joined: 31 Jan 2021

Posted: Tue Jan 24, 2023 12:39am

aadebbah wrote on Mon Jan 23, 2023 4:13pm:

Hi everyone ,

What is the easiest way for a European 

person  , not present in Spain to open a bank account in Spain as she is planning to buy a house in this country .

Thank you 

,

If  you have a  Bank account  in your home country  and it in Europe.  It  should  have  an  European  Iban and bic number 

You  will not need a Spanish  Bank account 

I  would  tell your Lawyer/Solicitors  that you will  transfer  price of property  in their Client  holding  account.  They  can arrange  Banker Draft on  day of  completion   for  a small  fee.  Less than Spanish  Bank  would charge

Lawyer  should be able  to set up Direct debt for Electricity  and Water  and other utilities  bills  using Your Bank  account.  We'll  that is idea  of  European  Iban and  bic numbers. Why  not ask at  your  own Bank  in your European  country   for  details 

PedroB

Posted: Tue Jan 24, 2023 7:48am

PedroB

Helpful member

Posts: 272

188 helpful points

Location: Salinas

Joined: 27 Mar 2021

Posted: Tue Jan 24, 2023 7:48am

RoboRs2 wrote on Mon Jan 23, 2023 10:40pm:

How do you pay for IBI and other bills?

When you open your ‘Wise’ account you are given a Belgian IBAN number which will start with BE. I use this number to pay all my utilities and Suma bills. 

RoboRs2

Posted: Tue Jan 24, 2023 11:39pm

Posts: 29

14 helpful points

Location: Sanet Y Negrals

Joined: 21 Feb 2020

Posted: Tue Jan 24, 2023 11:39pm

PedroB wrote on Tue Jan 24, 2023 7:48am:

When you open your ‘Wise’ account you are given a Belgian IBAN number which will start with BE. I use this number to pay all my utilities and Suma bills. 

Thanks, I am in the process of buying property at the moment and my abogado said wise is not good enough for council tax and some other bills. I am paying security deposit and hopefully the final price useing wise.  

aadebbah

Posted: Wed Jan 25, 2023 5:22am

aadebbah

Original Poster

Posts: 139

4 helpful points

Location: Denia

Joined: 13 Sep 2018

Posted: Wed Jan 25, 2023 5:22am

RoboRs2 wrote on Tue Jan 24, 2023 11:39pm:

Thanks, I am in the process of buying property at the moment and my abogado said wise is not good enough for council tax and some other bills. I am paying security deposit and hopefully the final price useing wise.  

Thank you very much 

Kenbo

Posted: Wed Jan 25, 2023 9:30am

Kenbo

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Posts: 773

641 helpful points

Location: La Florida

Joined: 6 Dec 2017

Posted: Wed Jan 25, 2023 9:30am

RoboRs2 wrote on Tue Jan 24, 2023 11:39pm:

Thanks, I am in the process of buying property at the moment and my abogado said wise is not good enough for council tax and some other bills. I am paying security deposit and hopefully the final price useing wise.  

Your Abogado is wrong.

Many of us on here pay all their household bills via direct debit through their Wise account, in fact only yesterday I attended my local Suma office to set up a direct debit to pay the road tax for a recently purchased car, as a non resident this ensures that the tax gets paid as I wouldn't be in Spain when the bills are issued in March.

Ken

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