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Tmarshall57 wrote on Wed Sep 13, 2023 12:48pm:
In theory - no. For example:
You could have a N.26 account which isn't a Spanish bank but will provide you with a Spanish IBAN if you register your Spanish property as your address (you can still register the UK as your fiscal/tax residence.
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Any organisation in Spain should accept payments from any SEPA registered financial institution (this includes UK banks etc) - but many don't and this is supposed to be illegal.
The best plan is to ask at your local SUMA office in the first instance.
N26 no longer permit you to hold a Spanish bank account if you are a tax resident in the UK.
They've recently done a "Know Your Customer" style audit and in that you are required to confirm that you are a Spanish tax resident.
If you try and open an N26 account now you have to say you are a Spanish resident (this didn't used to be the case).
If you select you are a UK resident then you are advised that N26 do not operate in the country and you can request to be put on a waiting list. I suspect that given N26 withdrew from the UK that waiting list will never progress anywhere.
As to what would happen if you say you are a Spanish tax resident (and get your card etc posted to a Spanish address) but are in fact a UK tax resident, I've no idea. I'd imagine the system isn't smart enough to do a check that you are a Spanish tax resident (assuming that N26 could even check this in the first place through an interface with the Spanish tax authorities). Ultimately, you would have an NIE number that N26 accept as a means of ID even if that does not prove your tax residency.
