If you live in Spain less than 183 days in a single year, then you are not a resident of the country.Any more and you are a resident.Non-residents must pay non-resident tax in Spain. The good news for newcomers to Spain is that you can take your pick from both resident and non-resident accounts. So, let us show you how to avoid bank charges in Spain on not only Bank accounts but also credit cards. https://expatra.com/guides/spain/banks-in-spain-bank-account-options I’m another whinging pom and a Non-Resident as far as Spain is concerned but I can’t find anything along the lines of the original question. In March 2019, after 10+yrs of paying Sabadell over 2000€ in fees, I researched every Spanish bank and some internet only non Spanish banks for a fee free account with no conditions for a non resident. The ATM owner will inform the cardholder of the corresponding fee before the cash is withdrawn. ATMs other than BBVA ATMs: the same amount as the fee that the ATM owner charges BBVA. The NIE is an essential document to be a legal resident in Spain. I currently have also have a Sabadel Key Account Plus current account in Spain with Solbank, who charge a fortune (compared to my UK account). When the interest is paid, this tax is automatically withhold from the current account by the bank. This took weeks of research and finally We opened a online account with Cajamar bank and closed our Sabadell account. The Basic Payment Account is a euro-denominated account for personal and non-professional use by individuals of legal age. What makes a resident and a non-resident in Spain? 'The charges vary per bank, and even per customer, so are very hard to predict. Some Spanish banks have been particularly quick to apply charges, but there have been similar reports in … The following fees are charged for withdrawing cash on debit at ATMs: At BBVA ATMs in Spain: €0. Given that I was in Spain for a month recently, I decided to go down to the bank and try to open an account – you need to be physically present in Spain to open one as a non-resident. While you may get more flexibility and perks from a resident bank account, you’ll usually find that a non-resident account is much easier to open. However some Spanish banks offers bank accounts for non-residents as well. One of the main challenges faced by newcomers to Spain is where to open a bank account. How to open a non-resident bank account in Spain. This account can be opened by anyone legally residing in the European Union, including asylum seekers and people without a residence permit who cannot be deported, provided they do not hold a similar account with another bank in Spain. Interest income gained on current accounts by non-residents of Spain is not taxed. Both residents and non-residents can open a Spanish bank account. Interest gained on current accounts by residents of Spain is taxed at 21.00% rate. Unfortunately some of the best-known banks are also the ones that charge the most, with commissions on a cost-per-transaction basis or a quarterly fee. We are non residents and have recently changed our bank account. I have queried this with the bank and have been told it is a non resident tax for the police because we have a non-resident bank account in Spain and it is payable every 2 years. While I speak enough Spanish to usually get by, I wasn’t confident that I’d be able to navigate the wide world of banking with my limited vocabulary. We have had 2 deductions of £30.50 taken from account (ref -man.ct.ap.n-res). Non-residential bank account. ATMs abroad: 4.50% (€3.50 minimum).