This page compares 6 accounts available in Spain, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 5 can be opened fully online, 1 explicitly accept non-residents, 6 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Revolut Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Non-residents OK | ★ 4.3 |
| N26 Spain | Spain | Digital Bank | 无首存要求 | Standard 免月费 | Online | Conditional | ★ 4.1 |
| Openbank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Conditional | ★ 4 |
| imaginBank | Spain | Digital Bank | 无最低存款要求 | 零管理费 | Online | Not for non-residents | ★ 3.9 |
| Banco Santander | Spain | Traditional Bank | 无首存要求 | 0-10 欧/月（有条件免除） | Must visit | Conditional | ★ 3.5 |
| BBVA | Spain | Traditional Bank | 无首存要求 | 线上账户免月费 | Online | Conditional | ★ 3.5 |
1 of the 6 accounts on this page explicitly accept non-residents (Revolut Spain). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
Not necessarily. 5 of the 6 accounts can be opened fully online (BBVA, Revolut Spain, N26 Spain), with no branch visit; the remaining 1 still require a branch visit or an appointment. Online opening depends on whether your documents pass automated checks.
Minimums vary widely — see the "Minimum deposit" column. 6 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.