Spanish bank fees: what banks charge for and what you can dispute
Spanish bank fees: account maintenance, transfers, cash machines and cards abroad. What the law limits, where to compare charges and what you can dispute.
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11 articles · Sources checked in September and October 2026
Banking and money
without the confusion.
Accounts, payments, mortgages, fees and credit history in Spain: how it works for residents and non-residents.
Articles based on official sources: BOE, ministries, Generalitat. No individual legal review has been carried out.
11 articlesLinks to primary sources in every article
Articles
Credit History in Spain: How It Is Built and Where It Shows
Credit history in Spain: the Bank of Spain's CIRBE, default registers (ASNEF), bank checks, getting your report and history from Russia and the CIS.
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Mortgages in Spain for non-residents: conditions, stages and documents
Non-resident mortgages in Spain: what Ley 5/2019 decides and what the bank does, loan-to-value, steps from valuation to notary, costs and borrower rights.
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Sending money to Spain from Russia and the CIS: what to consider
Sending money to Spain from Russia and the CIS: SEPA or international transfer, costs, bank checks on source of funds, cash declarations, EU sanctions.
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How to open a Spanish bank account as a resident or non-resident
Opening a Spanish bank account as a resident or non-resident: documents, 15 days for the NIF, anti-money laundering checks, refusal, cuenta de pago básica.
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Bringing Cash into Spain: How Much You Can Carry and When to Declare
Cash on entry to Spain: there is no upper limit, but from €10,000 per person a written E-1 or S-1 declaration is required. Fines start at €600.
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Do you need a Spanish bank account to apply for residence?
Do you need a Spanish account for residence: no lucrativa, DNV, study. What Real Decreto 1155/2024 and Ley 14/2013 say and when you need one after moving.
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Can you open a bank account in Spain without an NIE?
Bank account in Spain without an NIE: what article 28 of Real Decreto 1065/2007 allows, 15 days for the NIF, why banks still ask for an NIE and what to do.
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Online bank or traditional bank in Spain
Online account or traditional bank in Spain: credit and payment institutions, deposit guarantee, limits, cash, RETA and how to check a licence.
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Fixed or variable mortgage rate in Spain
Fixed, variable and mixed mortgages in Spain: Euribor, the FEIN and FiAE documents, and the limits on early repayment fees under Ley 5/2019.
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What IBAN and SEPA are and how they work in Spain
IBAN is an international account number, 24 characters in Spain. SEPA is the euro payments area. IBAN structure, transfer times, errors and IBAN refusals.
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