Corporate Bank Account Opening in Spain – Banking & Operational Readiness
We provide structured incorporation, tax activation and banking preparation for international founders entering the Spanish market.
S.L. and Spanish Banks
Opening a corporate bank account in Spain is a separate compliance process from company incorporation.
We prepare Spanish SL companies for successful bank approval by aligning corporate documentation, tax registration and AML requirements.
Our banking readiness service includes structured preparation for account opening with major Spanish banks and regulated financial institutions.
We prepare Spanish SL companies for successful bank approval by aligning corporate documentation, tax registration and AML requirements.
Our banking readiness service includes structured preparation for account opening with major Spanish banks and regulated financial institutions.
Our Support
We work hard every day to make life of our clients better and happier
- Corporate bank account opening in Spain
- Non-resident company banking
- AML and KYC documentation preparation
- Operational activation after SL registration
How Corporate Bank Account Opening Works in Spain
Obtain NIF Definitivo
The company must obtain its definitive tax identification number after Commercial Registry registration. Banks require the final NIF before proceeding with account activation.
Submit Application & Complete Identification (KYC)
The director or authorized representative submits the bank application and completes the identification process under Spanish AML regulations. Some banks require in-person verification.
Provide Compliance Documentation
The bank reviews:
– Articles of Association
– Registro Mercantil extract
– Modelo 036 confirmation
– UBO declaration
– Source of funds documentation
– Business activity description
Enhanced due diligence may apply for non-resident shareholders.
– Articles of Association
– Registro Mercantil extract
– Modelo 036 confirmation
– UBO declaration
– Source of funds documentation
– Business activity description
Enhanced due diligence may apply for non-resident shareholders.
Compliance Review & Account Activation
Following internal risk assessment, the bank issues account approval. Online banking access and operational status are activated once verification is complete.
Spanish Banks & Compliance Process
Bank Account Opening for a Spanish SL
After incorporation and issuance of NIF, the company may apply for a corporate account with Spanish banks such as: CaixaBank, Banco Santander, BBVA, Sabadell, Bankinter.
Each bank conducts its own compliance review under Spanish AML regulations. Banks typically require:
Non-resident shareholders may be required to attend identification procedures or complete enhanced due diligence. Bank approval is based on transparency, clarity of operations and tax consistency.
Each bank conducts its own compliance review under Spanish AML regulations. Banks typically require:
- Escritura de Constitución
- Registro Mercantil extract
- NIF Definitivo certificate
- Modelo 036 confirmation
- Shareholder identification documents
- UBO declaration (titularidad real)
- Source of funds documentation
- Business model description
- Expected transaction profile
Non-resident shareholders may be required to attend identification procedures or complete enhanced due diligence. Bank approval is based on transparency, clarity of operations and tax consistency.