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Roadmap · stage 10 of 12

Seguridad Social, health, bank, taxes

Seguridad Social number, alta for your basis, the TSI health card, a bank account and a resident’s first tax obligations.

This stage was prepared by the ReloVictory team from primary sources; it has not yet been checked by a lawyer, and each item is marked with the date it was verified.

In brief

  • NUSS is requested in Import@ss or with form TA.1 at the TGSS; decision within 45 days
  • TSI is applied for online or at a CAP; required: padró in a municipality in Catalonia
  • You open an account with your passport and give the bank your NIF within 15 days (art. 28 RD 1065/2007)
  • Tax resident: more than 183 days a year or centre of interests in Spain; a TIE does not make you resident
Edit profile

Item 189

How do you get a Seguridad Social number (NUSS) through Import@ss?

In Spain the Seguridad Social number (NUSS, Número de la Seguridad Social) is requested on the TGSS Import@ss portal: either with identification through Cl@ve, a certificate or SMS, or without it, by attaching an identity document, an e-mail address, a photo taken with the camera and form TA.1 [1]. The decision assigning the number can be downloaded and printed from your personal area [1]. For an employee being hired, the employer requests the number [2].

  • Online
Where, how to book, documents, cost, timeframe
Where
Tesorería General de la Seguridad Social (TGSS), Import@ss portal
How to book
No appointment: online in Import@ss (website or app)
Documents
  • passport or TIE
  • e-mail
  • photo from the device camera when applying without identification
  • form TA.1 (when applying without identification)
Cost
check the amount and conditions in Import@ss when you apply
Period
the decision appears in your personal area; maximum time for a TA.1 application is 45 days

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 190

How do you file form TA.1 for a Seguridad Social number on paper?

A paper NUSS application is filed with the Tesorería General de la Seguridad Social or its Administración for your place of residence: form TA.1 signed by the applicant and an identity document (foreigner’s card or passport) [1]. The maximum time for a decision is 45 days; once it runs out, the application is deemed granted [1]. Check how a specific TGSS office in Barcelona receives the public on the Seguridad Social sede.

  • In person
Where, how to book, documents, cost, timeframe
Where
Tesorería General de la Seguridad Social (TGSS) or the Administración for your place of residence (province of Barcelona)
How to book
Check the office’s procedure on the Seguridad Social sede
Documents
  • signed form TA.1
  • foreigner’s card or passport
Cost
check the amount and conditions with the TGSS when you apply
Period
up to 45 days; no answer from the authority means approval

In detail: full article

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 191

Who requests a Seguridad Social number for an employee?

If a Spanish company hires you and you do not have a Seguridad Social number, the employer must apply for it [1]. You provide an identity document and a signed form TA.1 [1].

  • Free

Checked 03.10.2026 more in the article

Item 192

How soon after entry must the employer register you (alta) with the Seguridad Social?

The initial residencia temporal y trabajo por cuenta ajena permit takes effect only once the worker is registered (alta) with the Seguridad Social within three months of lawful entry into Spain (article 73.1 RD 1155/2024) [1]. The employer handles the alta; contributions are deducted from the salary. Within a month of the alta, the worker requests the TIE in person (article 73.3) [1].

  • Online
  • Costs
Where, how to book, documents, cost, timeframe
Where
The employer, through the Seguridad Social RED system
Documents
  • permit or visa
  • passport
  • NUSS
Cost
the worker’s Seguridad Social contributions are deducted from the salary at the standard rates
Period
alta before work starts and no later than 3 months after entry; TIE within a month of the alta

More: full article · route card: work · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 193

How do you register for tax with modelo 036 before starting your activity?

A self-employed person in Spain first registers for tax: they file a declaración censal on modelo 036 with the Agencia Tributaria (individuals can use the simplified Censos WEB service), stating the type of activity and the IAE code [1]. Filing is online [1]. The Seguridad Social asks for the IAE code before the alta in RETA, so the tax registration comes first [2].

  • Online
  • Free
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria (AEAT), sede electrónica
How to book
No appointment: online on the AEAT sede (Censos WEB or modelo 036)
Documents
  • NIF (NIE)
  • business address and IAE code
Cost
free
Period
filed as you complete it; tax registration is needed before the alta in RETA

More detail: full article · route card: DNV · route card: work · glossary term · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 194

How do you complete the alta in RETA through Import@ss, and when can you do it?

The alta in the Régimen Especial de Trabajadores Autónomos (RETA) is done in Import@ss in six steps: the IAE code from the tax office, the CNAE code, the start date and business address, a forecast of net income, the mutua and the account for paying contributions [1][2]. You must apply before starting the activity and no earlier than 60 days before; an alta filed later counts as late [2]. The contribution depends on the declared income.

  • Online
  • Costs
Where, how to book, documents, cost, timeframe
Where
TGSS, Import@ss portal
How to book
No appointment: online in Import@ss with Cl@ve or a certificate
Documents
  • IAE code from modelo 036
  • CNAE code
  • IBAN for direct debit of contributions
  • net income forecast
Cost
monthly Seguridad Social contributions according to the income table; calculation in the article cuota-autonomo-2026
Period
the alta applies from the stated start date; you can apply up to 60 days before it

More detail: full article · route card: DNV · route card: work · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 195

How does an employed digital nomad register with the Seguridad Social?

For an employed holder of a teletrabajo de carácter internacional permit, the UGE names two routes: the foreign company registers in advance with the Seguridad Social as an entidad no residente with no representation in Spain and registers the employee in the Régimen General, or the worker provides a document under an international social security agreement, with a certificate that expressly covers remote work from Spain [1]. Without an alta the permit may be terminated.

  • Online
  • Costs
Where, how to book, documents, cost, timeframe
Where
TGSS (employer registration and employee alta)
How to book
Online through the Seguridad Social sede; a company representative with an address in Spain acts for it
Documents
  • documents registering the company as a non-resident employer
  • employment contract
  • employee’s passport
Cost
employer and employee Seguridad Social contributions at the standard rates
Period
alta after approval and before you start working from Spain

More: full article · route card: DNV · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 196

Can you get an alta in the Seguridad Social with a passport and no NIE on a DNV?

Yes: under article 76.5 Ley 14/2013, a passport is enough for the alta in the Seguridad Social during the first six months of residence in the categories of that section of the law, and also when the foreign national does not yet have an NIE [1]. You still have to apply for the NIE afterwards [1].

  • Free

Checked 03.10.2026 more in the article

Item 197

Do you have to tell the UGE about a change of employer or income on a DNV?

Yes. Additional provision 7 of Ley 14/2013 requires you to report to the Unidad de Grandes Empresas any change affecting the conditions of admission (employer, contract, income) within 30 days; otherwise the permit may be terminated after a hearing [1].

  • Online
  • Free

Checked 03.10.2026 more in the article

Item 198

How soon after arraigo sociolaboral is approved do you need the alta in the Seguridad Social?

An arraigo permit takes effect on condition that the foreign national is registered with the Seguridad Social within one month of notification of the decision (article 130.5 RD 1155/2024) [1]. The alta is done by the employer under the contract the application was based on. The TIE application is filed in the same month (article 130.6) [1].

  • Online
  • In person
  • Costs
  • Lawyer needed
Where, how to book, documents, cost, timeframe
Where
Employer through the RED system; TIE at the Policía Nacional
How to book
Alta without an appointment for the worker; TIE by cita previa
Documents
  • notification of the decision
  • employment contract
  • passport
Cost
Seguridad Social contributions under the contract; separate fee 790-012 for the TIE
Period
1 month from notification of the decision

More: full article · route card: arraigo · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 199

How do you get a tarjeta sanitaria (TSI) in Catalonia?

The targeta sanitària individual (TSI) is issued by CatSalut: you apply through the online form on the CatSalut website or in person at the CAP where you live [1]. For workers, pensioners and people receiving Seguridad Social benefits, the INSS has already recognised the right to healthcare, and the TSI is requested directly [1]. The only general requirement is to be registered in a municipality in Catalonia [1].

  • Online
  • In person
  • Free
Where, how to book, documents, cost, timeframe
Where
CatSalut; CAP (centre d'atenció primària) for your padró address
How to book
Online without an appointment; at the CAP according to the centre’s rules
Documents
  • DNI, NIE or passport
  • certificat d'empadronament no older than 3 months, unless you allow the online check
Cost
free
Period
if approved, the CIP code arrives by e-mail; the card comes by post

In detail: full article

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 200

What documents do you need for a tarjeta sanitaria in Catalonia?

For the TSI you need an identity document (DNI, NIE or passport) and proof of registration in Catalonia no older than three months; when applying online you can allow CatSalut to check the padró itself [1].

  • Online
  • In person
  • Free

Checked 03.10.2026 more in the article

Item 201

How do you get healthcare for your spouse and children through the INSS?

The spouse (or pareja de hecho) and children under 26 of an insured person receive healthcare as beneficiarios: first the holder adds them at the INSS, online with or without a certificate, and then a TSI is requested for each of them [1][2]. Conditions: legal and actual residence in Spain and no other mandatory cover [1]. For children you need the libro de familia or a birth certificate [1].

  • Online
  • In person
  • Free
Where, how to book, documents, cost, timeframe
Where
INSS (Instituto Nacional de la Seguridad Social), online service; then CatSalut
How to book
Online without an appointment; at an INSS office by cita previa
Documents
  • holder’s identity document
  • marriage certificate or registration as a couple
  • child’s birth certificate or libro de familia
Cost
free
Period
once added at the INSS, the TSI is requested through the standard procedure

More: full article · route card: family

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 202

What is the CIP code and how do you use the digital TSI in La Meva Salut?

After approval, CatSalut e-mails you a temporary confirmation with your personal CIP code, which you can already use at health centres; the plastic card arrives by post free of charge [1]. The digital TSI is created automatically in La Meva Salut and is as valid as the physical card; pharmacies and health centres in Catalonia accept it [2].

  • Online
  • By post
  • Free
Where, how to book, documents, cost, timeframe
Where
La Meva Salut (CatSalut app or website)
How to book
No appointment
Documents
  • CIP code
  • idCAT Mòbil or a certificate to log in to La Meva Salut
Cost
free
Period
CIP right after the decision; card by post

In detail: full article

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 203

How can you access public healthcare without the Seguridad Social: the CatSalut convenio especial?

For foreign nationals without Seguridad Social cover, CatSalut gives access on special grounds (minors, pregnant women, people seeking protection) or through the convenio especial: you need a year of continuous residence in Spain, padró in Catalonia and no other public cover [1]. The monthly fee is €60 up to age 65 and €157 from 65; you apply by appointment at a CatSalut office, and the answer comes within 30 days [1].

  • In person
  • Costs
Where, how to book, documents, cost, timeframe
Where
Unitats d'atenció al ciutadà of the CatSalut regional office
How to book
Only by cita previa with CatSalut
Documents
  • identity document
  • padró in Catalonia
  • proof of a year of residence in Spain
  • statement that you have no other cover
Cost
convenio especial: €60 a month up to age 65, €157 from 65; paid to CatSalut
Period
decision within 30 days

More detail: full article · route card: no lucrativa · route card: study

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 204

Do you need to keep private health insurance for the whole term of your residence permit?

For no lucrativa, the regulation requires you to keep a seguro de enfermedad for the entire term of the permit and to prove it on renewal (article 64.2.c RD 1155/2024); for a study estancia, insurance is also a condition of admission [1]. The roadmap does not recommend any insurers by name.

  • Costs

Checked 03.10.2026 more in the article

Item 205

How do you book an appointment with a family doctor at a CAP in Catalonia?

In Catalonia you book a family doctor (metge de família) appointment in La Meva Salut: go to “Cites i agenda”, then “Sol·licitud de cites i consultes” and “Cites i consultes d'atenció primària” [1]. The system offers a list of reasons for the visit; if yours is not there, you can ask for an in-person or remote appointment with a doctor or nurse [1]. The same route is used to ask for a renewal of your medication plan or a visit to a midwife or dentist [1].

  • Online
  • By phone
  • Free
Where, how to book, documents, cost, timeframe
Where
Your CAP for your padró address (La Meva Salut)
How to book
Online in La Meva Salut; the 061 Salut Respon line is listed on the CatSalut page
Documents
  • TSI or CIP code
Cost
free
Period
visit date depends on free slots at the CAP

In detail: full article

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 206

How do you change your CAP or family doctor in Catalonia?

You request a change of doctor or nurse in La Meva Salut: the list of reasons includes “Sol·licitud de canvi de metge o metgessa de família” [1]; the page gives the 061 Salut Respon line as a contact channel [1].

  • Online
  • By phone
  • Free

Checked 03.10.2026 more in the article

Item 207

Can you open a bank account with a passport, and when do you have to give your NIF?

You can open an account or deposit at a Spanish bank without showing a NIF, but you must provide the number within 15 days, and until then no transactions are possible on the account (article 28.3 RD 1065/2007) [1]. A person who has proved non-resident status is exempt from this rule (article 28.7) [1]. For a foreign national, the NIF is the same as the NIE. Each bank sets its own fees and list of documents.

  • In person
  • Online
  • Costs
Where, how to book, documents, cost, timeframe
Where
Any bank in Spain; the roadmap does not recommend any by name
How to book
According to the bank’s rules: at a branch or online
Documents
  • passport or TIE
  • NIE (NIF) at once or within 15 days
  • documents the bank asks for: address, source of funds
Cost
fees according to the bank’s price list
Period
give your NIF within 15 days of opening

More: full article · glossary term · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 208

What can you do if a bank refuses you an account: the cuenta de pago básica?

Every bank that offers payment accounts must offer a cuenta de pago básica to people legally resident in the EU, including those with no fixed address [1]. A refusal is only possible on legal grounds: the information needed for anti-money-laundering checks was not provided, you already have an account in Spain, or security interests (article 4 RDL 19/2017) [2]. According to the Banco de España, a refusal must be given in writing within 10 days, the fee is up to three euros a month, and it is free for vulnerable customers [3].

  • In person
  • Costs
Where, how to book, documents, cost, timeframe
Where
Any bank that offers payment accounts; complaints to the Banco de España
How to book
A written application at the branch, dated and with a list of the documents
Documents
  • passport or TIE
  • proof of legal residence in the EU
  • statement that you have no other account in Spain
Cost
up to €3 a month according to the Banco de España; free for vulnerable customers
Period
the bank answers within 10 days of receiving the complete set of documents

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 209

Do you need to update your NIE and tax residence with the bank after getting your TIE?

Yes. The bank must hold the NIF of every account holder (article 28 RD 1065/2007), and the exemption for non-residents applies only while you are non-resident [1]. After getting your TIE and moving, give the bank your NIE, address and new tax status.

  • In person
  • Online
  • Free

Checked 03.10.2026 more in the article

Item 210

When do I become a tax resident in Spain: the 183-day rule?

Under article 9 Ley 35/2006, you are a tax resident in Spain if you spend more than 183 days of a calendar year in the country (occasional absences count unless you have a residence certificate from another country) or if your main centre of economic interests is in Spain [1]. If your spouse and minor children live here, residence is presumed. A TIE card on its own does not make you resident.

  • Free
  • Lawyer needed
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria (AEAT)
Documents
  • count of days from passport stamps and tickets
  • in case of dispute: a tax residence certificate from another country
Cost
free
Period
status is assessed at the end of the calendar year

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 211

How and when do you file modelo 149 for the Beckham regime?

You opt for the article 93 LIRPF regime (tax under non-resident rules for the year you move and the next five) by filing the comunicación modelo 149 on the AEAT sede [1][3]. Deadline: no later than six months from the start date of your activity shown in the Seguridad Social alta or in the document confirming you keep your foreign social security cover (article 116 Reglamento IRPF) [2]. Article 93 expressly names employees with a teletrabajo visa; whether the regime suits a freelancer on a DNV is something to check with a tax specialist [1].

  • Online
  • Free
  • Lawyer needed
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, sede electrónica (procedimiento G606)
How to book
No appointment: online on the AEAT sede
Documents
  • NIF
  • registration in the censo (modelo 030 or 036)
  • proof of alta in the Seguridad Social or a document confirming you keep your foreign social security cover
  • residence permit
Cost
free
Period
6 months from the activity start date in the alta

More detail: full article · route card: DNV · route card: work · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 212

When and how do you file your first IRPF return (modelo 100)?

The IRPF return (modelo 100) for the year you became resident is filed in the following year’s campaign: for 2026 that is the 2027 campaign, and the AEAT publishes the dates before it starts. As a guide, the last campaign (for 2025) ran from 8 April to 30 June 2026, with direct debit until 25 June [1]. You log in to the sede with a certificate, Cl@ve Móvil, número de referencia or eIDAS; you can also file by phone [1]. Income is counted for the whole calendar year; check your case with a tax specialist.

  • Online
  • By phone
  • In person
  • Costs
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, Renta WEB
How to book
Online without an appointment; by phone under the campaign rules; in person at AEAT offices by cita previa
Documents
  • NIF
  • certificate, Cl@ve Móvil or número de referencia
  • income details, including income from abroad
  • IBAN for a refund or payment
Cost
tax as calculated in the return; filing itself is free
Period
next campaign: 2027 (for 2026); check the dates on the AEAT sede; text checked on 03.10.2026

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 213

When do you file modelo 720 on foreign accounts and assets?

Tax residents of Spain report foreign accounts, securities and property on modelo 720, from 1 January to 31 March of the year after the reporting year [1]. For accounts the obligation is wider: under article 42 bis RD 1065/2007 it covers everyone who was a holder, authorised person or beneficiary at any point in the year [2]. The €50,000 threshold is counted per group: for accounts, by the balances on 31 December or the average balance for the fourth quarter [2]. Filing is electronic [3]; check the details with a tax specialist.

  • Online
  • Free
  • Lawyer needed
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, sede electrónica
How to book
No appointment: online with a certificate or Cl@ve
Documents
  • account details: bank, number, balances on 31 December and the average for the fourth quarter
  • details of assets and property abroad
Cost
free
Period
1 January - 31 March of the following year; the next filing (for 2026) is in 2027; as of 03.10.2026 the AEAT page shows the deadline of the last campaign

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 214

How does a freelancer file IVA on modelo 303?

Businesses and professionals whose transactions are subject to IVA file the modelo 303 autoliquidación every quarter: from 1 to 20 April, July and October, and for the fourth quarter from 1 to 30 January (article 71.4 Reglamento IVA) [2]. The AEAT offers the Pre303 assistant and a simulator [1]. Whether your service is subject to Spanish IVA depends on the client and where the service is supplied: check with a tax specialist.

  • Online
  • Costs
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, sede electrónica (procedimiento G414)
How to book
No appointment: online
Documents
  • record of invoices issued and received for the quarter
  • certificate or Cl@ve
Cost
IVA as calculated in the return; filing is free
Period
1-20 April, July, October; 1-30 January

More detail: full article · route card: DNV · route card: work · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 215

How do you get a certificado de residencia fiscal in Spain?

The Agencia Tributaria issues the tax residence certificate online through the procedure “Certificados tributarios. Residencia fiscal”, if its records confirm that you are resident in Spain [1][2]. You can follow the request under “Consulta de certificados expedidos y en tramitación” [2]; check the cost and timing when you make the request.

  • Online
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, sede electrónica
How to book
No appointment: online on the AEAT sede
Documents
  • NIF
  • if needed: documents proving residence in Spain
Cost
check the cost when you request it on the AEAT sede
Period
check the issue time when you request it on the AEAT sede

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 216

Is the double taxation agreement between Spain and Russia in force?

The AEAT guide for residents with income from Russia describes the 1998 convention as in force: a Spanish resident declares worldwide income and deducts the tax paid in Russia [1]. By a decree of 08.08.2023 No. 585, Russia suspended some provisions of its tax conventions with a number of countries; the primary source does not confirm how the two sides apply the convention now, so check with a tax specialist.

  • Online
  • Free
  • Lawyer needed
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria; Russian Ministry of Finance
Documents
  • proof of tax withheld in Russia
  • AEAT guide on Russia
Cost
free
Period
check before every return

More: full article · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 217

How do the 183 days for no lucrativa renewal differ from the 183 days of tax residence?

These are two separate rules. To renew a no lucrativa permit you must actually live in Spain for more than 183 days of the calendar year (article 64.2.f RD 1155/2024) [1]; tax residence under article 9 LIRPF arises with the same 183 days or with your centre of interests [2]. If you meet the first, you will almost certainly fall under the second.

  • Free
Where, how to book, documents, cost, timeframe
Where
Oficina de Extranjería (renewal) and Agencia Tributaria (taxes)
Documents
  • count of days in Spain over the calendar year
Cost
free
Period
both tests are counted by calendar year

More detail: full article · route card: no lucrativa · glossary term

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

Item 218

How do you pay tax to the AEAT: online, through a bank or by direct debit?

The AEAT accepts tax payments on its sede: by card or Bizum, by direct debit from your account (cargo en cuenta) or through the collaborating banks on the AEAT list; for payments from abroad there is the ADI digital assistance service [1]. The amount and deadline come from the return or the AEAT notification; if you have doubts about your case, check with a tax specialist.

  • Online
  • In person
  • Costs
Where, how to book, documents, cost, timeframe
Where
Agencia Tributaria, sede electrónica; collaborating bank
How to book
No appointment
Documents
  • NIF
  • IBAN or card
Cost
tax amount from the return
Period
by the deadline stated in the return or the AEAT notification

In detail: full article

Checked against the source on 03.10.2026. This is guidance, not a legal opinion.

What you can do yourself and what we take on

You can complete every item of this stage on your own: each one says where to go, how to book and what to bring. Where going ahead without a lawyer is risky, there is a separate panel with options for help, including free ones. ReloVictory prepares the document set, accompanies the filing and handles the case: 15 minutes free, a full consultation €121 for 45 minutes, case handling priced by quote, fees and translations extra. Book a consultation

Frequently asked questions

Do you need an NIE to get a Seguridad Social number?
No. The Seguridad Social accepts a NUSS application with a passport or foreigner’s card: in Import@ss, with or without identification, or with form TA.1 at the TGSS. For holders of permits under Ley 14/2013, the passport is expressly named as enough for the alta in the first six months (article 76.5). For an employee, the employer requests the number.
How do you get a tarjeta sanitaria in Barcelona if you are not working?
If you are not insured with the Seguridad Social, CatSalut gives you the right to healthcare: on special grounds or through the convenio especial after a year of residence with padró in Catalonia. The convenio fee is fixed and depends on your age. For holders of no lucrativa and study estancia permits, the authority requires private insurance for the whole term of the permit, so for them the convenio is an extra option, not a replacement.
Can you open a Spanish bank account with a passport?
The law does not make an NIE a condition for opening an account: you can open an account or deposit without a NIF, but you must provide it within 15 days, and until then no transactions are allowed (article 28.3 RD 1065/2007). The bank may refuse if it cannot carry out the checks required by the anti-money-laundering law. If refused, a person legally resident in the EU can ask for a cuenta de pago básica.
Do I become a tax resident in Spain on the day I get my TIE?
No. Tax residence is set by article 9 Ley 35/2006: more than 183 days in Spain in a calendar year, or your main centre of economic interests here. The TIE and your immigration status are checked by a different authority under different rules. Once you are resident, you file modelo 100 for the whole calendar year and, if your assets abroad exceed the threshold, modelo 720 as well. Check the details of your case with a tax specialist.
When do you file modelo 149 for the Beckham regime?
No later than six months from the activity start date shown in your Seguridad Social alta, or from the date in the document confirming you keep your foreign social security cover (article 116 Reglamento IRPF). Condition: you were not a tax resident in Spain in the previous five tax periods. Whether your grounds fall under article 93 LIRPF is for a tax adviser to decide: the roadmap does not assess this.

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