Wednesday, 24 September 2014

Getting a Bank Account

After receiving my NIE I went to the nearest BBVA bank to open an account as I'd heard that these were the best as they didn't have any charges. After the initial confusion of what to do in a foreign bank, I took a ticket and waited to be called to a desk where I stated that I wanted to open a bank account. However, the woman said I needed my passport and a certificate of residency or a certificate of non-residency from either Spain or my own country. Seeing as I had no idea what this meant, I just gave her my Passport and my NIE to which she replied 'oh you have an NIE.'

The process after that was fine as she took my details from my passport and took my address and it didn't matter that I didn't have a Spanish number, she just told me to let them know what it was when I eventually got one. The woman was actually really lovely which surprised me as I had an image of getting someone who clearly didn't want to be there or deal with a foreigner. She explained that because I was 20 I could get the under 21 blue account which meant that I got a free debit card (as I was shocked to read that some banks charge your for a card, which I find ridiculous), free transfers etc. She then got me to sign different things and printed off all the paperwork and went through it all, telling me what everything was. She said my card would come in 3 or 4 days and showed me the website and how to login, how to change my password and how to make transfers, then gave me all the paperwork and that was it.

All I needed to open the account was:

  1. My passport
  2. My NIE
  3. My Spanish address.

Although nothing else was mentioned about a certificate of residency or non-residency after she saw my passport so maybe I don't need one as I live in the EU?

As I said the whole process was easy enough and the woman was lovely and spoke slowly so I could understand her and kept asking me if I had understood which I was grateful for. The experience was so much easier than I thought it would be even though I have hardly any experience with banks as I didn't even set up my English account on my own.



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