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Overseas banking/Spain

EuropeSpainLicensed-entity research

Banco Santander, S.A.

Banco Santander, S.A. (the Spanish legal banking entity; not the Banco Santander brand or a parent-group designation)

Banco Santander, S.A. is the Spanish banking legal entity. As of 2026-10-23, Banco de España’s list identifies it as a credit institution and gives code 0049. Its official website describes personal online accounts for non-residents from certain countries and accounts for resident and non-resident legal entities, but the bank must still confirm case-by-case acceptance, business application conditions, and the complete KYC document list.

Regulator
Bank of Spain (Banco de España); matters involving securities markets are also regulated by the competent authorities, including the Spanish National Securities Market Commission (CNMV).
Check date
2026-10-26
Verify status
Some information remains to be confirmed: The specific current entity and credit institution classification for Banco Santander, S.A. in Banco de España's list have been checked, and official product pages for non-resident personal accounts and legal entity accounts have been read. However, a separate licensing decision/scope of authorisation has not been obtained. Complete legal entity documents and application regions, alternative channels for non-resident individuals from other countries and final case-specific acceptance conditions must be confirmed with the bank.

Research scope and official resources

Topic number:europe-banco-santander-sa

A candidate selected in the publicly available large-institution screening by 2025/2026; selection.json provides research leads only and does not indicate a current global top 100 ranking, an individual licence conclusion, or account-opening acceptance.

Bank’s official website

Personal Eligibility and Documents

For “Cuenta Online para No Residentes con pasaporte,” the official website expressly states that it is for individuals residing outside Spain, including Spanish nationals living abroad and foreign non-residents; applicants must be at least 18 years old. The website requires a valid passport; Spanish nationals residing abroad may use a DNI. Online account signing is currently available only to applicants in the countries/regions listed on the official website: Germany, Argentina, Austria, Belgium, Brazil, Canada, Chile, Denmark, Slovakia, Finland, France, Greece, Hungary, Ireland, Iceland, Italy, Lithuania, Norway, the Netherlands, Poland, Portugal, the United Kingdom, the Czech Republic, Romania, Sweden, Switzerland and Uruguay. This list only describes the currently published online-signing coverage for this non-resident account; the website does not confirm whether applicants from other countries can apply through a branch or another channel. Spanish tax residents are not eligible for this non-resident product. The official FAQ states that foreign nationals resident in Spain must use a NIE, and that EU residents are identified using proof of EU citizen registration and a passport; however, this review did not verify the specific products, eligibility or document lists for resident individual accounts. Credit cards require prior bank approval and are not automatically approved merely because an account application meets the eligibility criteria.

Personal information publicly disclosed or identified

  • The official information for this non-resident account expressly requires a valid passport; Spanish citizens living abroad may use a DNI. Applicants must be at least 18 years old. Source: s1.
  • For foreign nationals who are Spanish tax residents, the official website FAQ lists NIE as an identification document; EU citizens must also provide an EU citizen registration certificate and passport. This describes the website’s guidance for the relevant circumstances and does not confirm the other requirements for its resident personal account product. Source: s1.
  • The application form requires a name, DNI/identity details, contact information, and address. The bank verifies identity by video, requiring a camera and microphone; the applicant completes the signing process after reading and accepting the general and individual contractual terms. The website does not state whether separate proof of address or other identity documents must be submitted. Source: s1.
  • The official website does not publish a complete itemized list of personal source-of-funds evidence, tax residence evidence, or other enhanced due diligence documents. As general advance-preparation advice (not a published bank policy), applicants may prepare a tax residence self-certification and TINs for each tax jurisdiction (if issued), documents supporting the source of funds, and proof of address, and wait for the bank's case-specific requirements. The statutory information framework for the CRS self-certification is set out in s6.

Company eligibility and documents

The official “Cuenta Santander Personas Jurídicas” page states that the account is for legal entities; the applicant may be a Banco Santander customer or a noncustomer, and may be a resident or nonresident of Spain. Purchasing other products is not required. The page says applications can be made online or at a nearby branch. The public page does not specify eligible foreign jurisdictions of incorporation, legal-entity forms, beneficial ownership structures, authorization standards for signatories, or countries where online opening is available, and does not guarantee approval of every application. These matters should be confirmed in writing with the bank in relation to the entity’s place of incorporation, business, and actual controllers.

Company information publicly disclosed or identified

  • This legal-entity account page confirms that it is intended for legal entities and accepts applications from residents and non-residents, and states that applications can be made online or at the nearest branch. It only asks applicants to review the pre-contract information; the page does not publish a KYC document list for legal entities. Source: s4.
  • The official privacy notice states that the bank may process identity, residential address, financial and source-of-income information about legal representatives, authorised persons and ultimate beneficial owners, and may use internal, public and third-party information for anti-money laundering/counter-terrorist financing due diligence. This indicates that such information may be processed; it does not mean that the page promises a particular document format or list. Source: s8.
  • General application preparation suggestion (not a specific policy published by Banco Santander): You may prepare registration/existence documents, articles of association or formation documents, registered and operating address information, tax identification number, identification and proof of authority for directors or authorized signatories, ownership and beneficial ownership structure and identification, and an explanation of the account purpose and source of funds. Whether certification, translation, legalization, or additional documents are required remains subject to written confirmation by the bank.
  • Due diligence by financial institutions under the CRS framework may involve a legal entity’s tax residence jurisdictions, self-certification, applicable TIN, and controlling person information. This statutory framework should not be misconstrued as a list of corporate documents published by the bank. Source: s6.

Address, tax, and remote / witnessed procedures

Address and tax

The personal application process requires an address. The official website says that a physical debit card is mailed only if the applicant has a physical address in Spain; otherwise, a virtual card is provided. The personal non-resident account page does not explicitly require a Spanish residential address to open an account and does not publish a format for proof of address. As to tax numbers, the bank’s page does not explicitly list a Spanish NIF/NIE requirement for all applicants for this product. The Spanish Tax Agency’s non-resident information separately covers tax-residency determinations, tax-residency certificates and non-resident NIF procedures. Whether a Spanish tax number is necessary depends on whether the applicant is an individual or legal entity and on their Spanish tax obligations; this cannot be taken to mean it is uniformly required for account opening. CRS tax-residency self-certification generally requires disclosure of tax-residence jurisdiction(s) and the corresponding TIN(s) issued; applicants should declare based on their actual tax-residency status, not passport nationality or account-opening location. Sources: s1, s6, s10.

Remote / witnessing

The official process for non-resident individual accounts allows eligible applicants to apply online and complete identity verification by video (a camera and microphone are required), then review and electronically sign the contract; online contracting is currently available only in the countries listed on the official website. This video verification is not third-party witnessing or notarization and does not establish that the process can be completed remotely from any country worldwide. The legal entity account page says applications can be made online or at a branch, but does not publish arrangements for remote verification or witnessing of foreign companies; confirm with the bank. Sources: s1, s4.

Public process reference

  1. Non-resident individual accounts: first check whether your country of residence is on the current list of countries supported for online contracting on the official website, and confirm the age and identity document requirements. Source: s1.
  2. Complete your personal details, contact information, and address online; follow the instructions to complete identity verification by video. Source: s1.
  3. Read and accept the general and individual contract terms, and complete the signing process using the procedure provided by the bank. Before opening an account, first read the pre-contractual information and fee information document. Source: s1.
  4. Corporate accounts: the website says applications can be made online or at a nearby branch. The public page does not explain the online identification process for non-resident legal entities or list the complete document requirements. Before submitting documents, confirm with the bank whether it accepts companies incorporated in the relevant jurisdiction, and clarify beneficial-owner and authorization documents, tax information, and available signing channels. Sources: s4, s8.
  5. The above are steps published on the official website and do not represent a bank commitment to approve an application or open an account; the bank decides what reviews to conduct and whether to request additional documents.

Compliance topics, details, and sources

Spanish AML/KYC, beneficial ownership, and customer relationship review

Spain’s SEPBLAC explains that obliged entities must identify the natural or legal person with whom they intend to establish a business relationship, identify and verify the beneficial owner, understand the intended purpose and nature of the relationship, and review transactions on an ongoing basis; enhanced due diligence applies in higher-risk cases. SEPBLAC also states that non-face-to-face identification must use secure procedures that meet the requirements and are authorized. This legal baseline is not a complete document list for this account or a promise of approval. Source: s5.

Source:SEPBLAC — Diligencia debida

Source of Funds, Income Information, and Ongoing Due Diligence

SEPBLAC requires understanding the purpose of a business relationship and ongoing transaction monitoring. Banco Santander’s privacy notice says it may process customer income-source and transaction information and may use internal information, relevant publicly available information, and other sources in anti-money laundering/counter-terrorist financing due diligence. The public account-opening pages do not specify what source-of-funds evidence the bank requires, the period it must cover, or any thresholds; these should not be inferred. Sources: s5, s8.

Source:SEPBLAC — Diligencia debida ；Banco Santander — Información sobre protección de datos

Common Reporting Standard (CRS) and Tax Residency Self-Certification

Guidance from Spain’s AEAT on Modelo 289 states that reporting financial institutions should obtain a valid tax-residency self-certification during new-account due diligence and check its reasonableness. This normally includes the individual’s name/entity’s legal name, full address, tax-residence jurisdiction, and the TIN issued by that jurisdiction, among other details. Financial institutions may lawfully report information on reportable accounts to the tax authorities when the conditions are met. Account holders should declare their actual tax residence and any tax identification number issued to them; a non-resident product does not change their tax-residence status. Sources: s6, s7.

Source:Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida ；Agencia Tributaria — Modelo 290 FATCA

FATCA and identification of U.S. tax status

Spain’s AEAT also has Modelo 290, for annual reporting of financial accounts held by certain U.S. persons, and provides information on the FATCA intergovernmental agreement between Spain and the United States. FATCA is a separate regime from CRS; the United States is not a CRS participating jurisdiction and must not be described as having joined CRS. Whether a particular reporting requirement applies depends on the identity of the account holder/controller and the applicable rules; the bank’s product pages do not disclose details of individual case handling. Source: s7.

Source:Agencia Tributaria — Modelo 290 FATCA

Sanctions and restricted transactions

The Council of the European Union explains that EU restrictive measures may target individuals or entities. Asset-freeze measures include freezing relevant assets within the EU and prohibiting EU persons and entities from making funds available to sanctioned persons. The bank’s specific list-screening procedures for this product and its handling of matches are not published on the account-opening page; applicable restrictions are determined by law and account review. No advice on evading screening is provided. Source: s9.

Source:Council of the European Union — Types of sanctions the EU adopts

Personal data protection and deposit protection

Banco Santander’s privacy page identifies Banco Santander, S.A. as the data controller and describes the processing of identity, contact, residence, financial, transaction, and legally required due-diligence data; the specific scope of processing and rights are governed by its privacy documents. Both account product pages state that the bank participates in Spain’s Deposit Guarantee Fund, with monetary deposits protected up to 100,000 euros per depositor, per credit institution. Details of coverage and exceptions remain subject to the Fund’s and regulatory documents. Sources: s1, s4, s8.

Source:Banco Santander — Cuenta Online para No Residentes con pasaporte ；Banco Santander — Cuenta Santander Personas Jurídicas ；Banco Santander — Información sobre protección de datos

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide concerns the “Cuenta Santander Personas Jurídicas” legal-entity account listed on the Banco Santander, S.A. page in Spain; the brand and banks in other regions of the group are not treated as the accepting entity. Santander publicly states that resident and nonresident legal entities may apply and may do so online or at a branch. This does not mean every place of incorporation, legal form, or application qualifies; the bank must confirm each case. The page does not publish a complete legal-entity KYC checklist.

Date information checked:2026-10-26

Information evidence package

Corporate existence, business identity and signing authority

Who it applies to
Corporate applicants; not applicable to personal non-resident accounts. The following is a pre-application preparation suggestion, not a mandatory checklist published by Santander.
Documents to Prepare
  • Company registration or business registry extract, and documents showing its current status;
  • Company articles of association, incorporation documents, or registration documents describing the nature of the business;
  • Board/shareholder authorization resolution, power of attorney, or evidence of signing authority, together with identity information for directors and proposed authorized signatories.
Description
The account webpage confirms only the scope of applications by legal entities and residents/non-residents, and online/branch channels. It does not specify which registration documents are required, the form of signatory authorization or how recently documents must have been issued. Santander’s privacy notice states that it processes personal data of legal representatives, authorized persons and others, but this is not equivalent to publishing a document checklist. Confirm in advance with the bank whether originals, certified copies, translations, legalization and validity periods are required.

Source:Banco Santander — Cuenta Santander Personas Jurídicas；Banco Santander — Información sobre protección de datos

Ownership, actual controllers, and related natural persons

Who it applies to
All corporate applicants, especially structures with multilayer or cross-border ownership, or nominee/contractual control arrangements; prepare materials according to the actual circumstances and do not assume a uniform ownership-percentage threshold.
Documents to Prepare
  • Prepare a diagram showing each level of direct and indirect shareholders, ownership percentages, and control relationships;
  • Support the ownership chain with a shareholder register, registry extract or information on the parent company, and identify the ultimate natural-person controller;
  • Prepare proof of identity for directors, authorised persons and relevant actual controllers, along with address information that can be supplied if requested by the bank.
Description
SEPBLAC states that obligated entities must identify the beneficial owner and take appropriate measures to verify their identity, but its webpage does not give the percentage threshold applicable to this account or specify the form of evidence Santander requires. Preparing documents for each ownership tier can help explain the chain of control; this should not be presented as the bank having requested every item.

Source:Banco Santander — Cuenta Santander Personas Jurídicas；SEPBLAC — Diligencia debida

Actual business, flow of funds and tax information

Who it applies to
Corporate applicants; if the company has not yet commenced operations, its purpose of incorporation, launch plan, and information on existing sources of funds may be used as an explanation.
Documents to Prepare
  • Briefly describe the purpose of opening the account, key customers/suppliers, expected payment and receipt currencies, transaction regions, and general transaction types; sample contracts, orders, or invoices may be included;
  • Organize traceable evidence of the initial deposit and main sources of funds, such as recent bank statements, shareholder capital contribution records, sales contracts, or audited/management financial statements;
  • Prepare CRS self-certification information covering the legal entity's tax residence jurisdictions and TINs issued in each jurisdiction, and check that the address, place of registration and reported information are consistent.
Description
Business and funds supporting documents are preparation suggestions to help respond to due diligence; they do not mean Santander has prescribed document types, monetary thresholds or a coverage period. AEAT’s Modelo 289 states that financial institutions must obtain and conduct a reasonableness check of tax-residence self-certifications; an exception applies if the relevant jurisdiction does not issue TINs.

Source:Banco Santander — Información sobre protección de datos；Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida

Due diligence and enhanced verification

Verification of beneficial owners and control chain

Basis for Verification
The due-diligence baseline described by Spain’s SEPBLAC requires regulated obliged entities to identify customers and, before establishing a business relationship, identify the beneficial owner and take appropriate measures to verify their identity. This page does not specify an ownership threshold for this account or alternative control criteria acceptable to the bank.
Preparation recommendation
Provide a tier-by-tier ownership chart, registration documents for each tier, and identification documents for the ultimate controller. For complex structures, inconsistent ownership percentages across documents, or nominee/contractual control, attach a brief explanation and supporting evidence.
Scope
The foregoing identification and verification requirements are the local anti-money laundering due diligence baseline. The listed evidence package is a general preparation recommendation, not Santander's complete publicly stated document requirements.

Source:SEPBLAC — Diligencia debida

Purpose of the business relationship, expected transactions and source of funds

Basis for Verification
SEPBLAC states that obligated entities must understand the purpose and expected nature of a business relationship and continuously review transactions during the relationship. Santander’s privacy notice says it may process financial, source-of-income and transaction information, and use relevant data for statutory due diligence. Public pages do not specify the types, amounts or periods of proof of source of funds required for this account.
Preparation recommendation
It is advisable to align the account-opening purpose with the business model, contracts/invoices, flow of incoming funds, and expected transaction regions and frequency. For large shareholder contributions, payments to or from related parties, or transactions that differ from ordinary business, prepare explanatory documents such as contracts, resolutions, and account statements.
Scope
Ongoing review is a regulatory requirement for obligated entities; document checklists and transaction-explanation practices are suggestions for applicants preparing an application, not thresholds published by the bank.

Source:Banco Santander — Información sobre protección de datos；SEPBLAC — Diligencia debida

CRS Tax Residency Self-Certification and Consistency

Basis for Verification
AEAT's guidance on Modelo 289 states that financial institutions must obtain a tax-residency self-certification and check its reasonableness; relevant reporting generally covers the account holder's tax residence and issued TIN. Where a legal entity is classified as a particular type of non-financial entity, the rules may also cover controlling-person information. This does not mean that a Spanish NIF is automatically a prerequisite for every applicant to open an account.
Preparation recommendation
Complete the jurisdictions and TINs based on actual tax residence, and first check for inconsistencies with the registered address, place of management, contact address, and AML/KYC information. If a TIN has not been issued or the residence differs from the place of registration, prepare the relevant official explanation or documents that explain the difference, and confirm with the bank how it handles its forms.
Scope
CRS/Modelo 289 is a tax reporting due diligence framework; it is not equivalent to a Santander-specific published form, case classification, or complete submission checklist.

Source:Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida

Risk-based enhanced due diligence and remote channels

Basis for Verification
SEPBLAC states that, in addition to general due diligence, enhanced due diligence may apply in specific statutory circumstances, in relation to high-risk countries, and to higher-risk businesses, products, services, channels, customers or transactions. Non-face-to-face business must use secure identification procedures that comply with the rules and are authorised. Santander’s corporate account page only says that applications can be made online or at a branch; it does not disclose details of online identification for foreign companies or its internal risk appetite.
Preparation recommendation
For a cross-border remote application, confirm with the bank first whether it accepts applicants in the applicant’s location, the company’s place of incorporation, and the proposed signing method. Prepare materials explaining the substance of the business, control relationships, source of funds, and need for cross-border transactions, and ask the bank whether an interview or additional verification is required.
Scope
The regulations’ risk-based requirements apply to obligated entities. The bank’s actual risk ratings, enhanced due diligence triggers, PEP/sanctions screening processes, and handling rules are not disclosed on the public account-opening pages reviewed for this inquiry. Do not infer automatic rejection or any internal threshold.

Source:Banco Santander — Cuenta Santander Personas Jurídicas；SEPBLAC — Diligencia debida

Ongoing maintenance obligations

Keep beneficial ownership, authorization, and contact information explainable and up to date

SEPBLAC requires banks to maintain an understanding of the purpose of the relationship and review transactions. Account holders are advised to organize updated information if there is a change in ownership/control, directors or signing authority, registered address, or business model, and to ask the bank about notification channels and deadlines. The pages reviewed do not specify Santander’s customer notification deadlines, periodic review frequency, or update forms.

Source:Banco Santander — Información sobre protección de datos；SEPBLAC — Diligencia debida

Retain transaction support and respond promptly to bank inquiries

As banks are legally required to monitor transactions on an ongoing basis, it is advisable to retain contracts, invoices, payment records, shareholder capital contribution resolutions and the source-of-funds trail, so that unusual transactions or transactions that differ from the account-opening description can be matched to the actual business. The specific scope of checks, response deadlines, and procedures for suspending transactions or requesting additional documents have not been made public; no uniform cycle is specified.

Source:Banco Santander — Información sobre protección de datos；SEPBLAC — Diligencia debida

Consistency of Information After a Change in Tax Residency Status or TIN

AEAT requires financial institutions to check the reasonableness of tax-residency self-certifications. If tax residence or TIN changes, it is advisable to check whether the self-certification needs to be updated with the bank and ensure it is consistent with the legal-entity and controlling-person information held by the bank. Public sources do not specify Santander's update triggers, annual recertification arrangements or customer portal process.

Source:Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida

Please confirm with the bank before booking

  1. Does Banco Santander, S.A. accept applications for this corporate account from companies incorporated in this jurisdiction and in this legal form? Are there specific jurisdictional restrictions for non-resident legal entities?
  2. What incorporation, good-standing, constitutional, director/signatory authorization, and beneficial-owner documents are required to open a corporate account? Must they be certified, apostilled, translated, or issued within a specified period?
  3. What criteria are used to identify beneficial owners/controllers, and what levels of indirect ownership must be disclosed? If no individual meets the ownership threshold, how does the bank identify the controller?
  4. Can non-resident legal entities complete the entire application process remotely? Must a representative visit a branch in Spain, complete video identification, or send original documents? Which countries are eligible for online applications?
  5. What supporting documents does your bank typically request for initial account funding, source of funds, major counterparties, cross-border payments and receipts, and CRS self-certifications?
  6. After account opening, through what channel and within what timeframe should changes to ownership, signatories, or tax residence information be updated? Are there periodic reviews or deadlines for responding to transaction information requests?

Not confirmed by public information

  • Although the corporate account page says resident and non-resident legal entities may apply, it does not disclose eligible countries/regions, legal forms, applicants' local residence or business requirements, and does not confirm acceptance in any individual case.
  • The complete company KYC checklist, beneficial-owner thresholds and criteria for identifying controllers, certification/translation/legalisation standards, document validity periods and requirements for originals are not disclosed on the pages reviewed.
  • Support for remote applications by non-resident legal entities, identity verification steps, processing times, minimum deposits, and deadlines for submitting additional documents have not been published and should be confirmed directly with the bank.
  • Standards for proof of source of funds/wealth, risk scoring, PEP and sanctions screening processes, triggers for enhanced review, account transaction limits, and periodic review frequency are not public. No inference should be made about the bank's internal policies or the outcome of an application.

Sources & Scope of Verification

  1. Banco Santander — Cuenta Santander Personas Jurídicas

    The text of the bank's official legal-entity account page has been reviewed. It supports that legal-entity customers, both resident and non-resident, are within the audience described on the page and may apply online or at a branch. The page does not provide a complete legal-entity KYC document checklist or the geographic scope for accepting foreign applicants.

  2. Banco Santander — Información sobre protección de datos

    The text of the bank's official privacy notice has been reviewed. It lists information that may be processed about applicants, legal representatives and authorised persons, including identity, address, financial/income sources and transactions, and explains that information is processed for purposes such as legally required anti-money-laundering due diligence. This describes data categories and processing purposes, not an account-opening document checklist or a commitment by the bank regarding document formats.

  3. SEPBLAC — Diligencia debida

    The text of the Spanish anti-money-laundering authority's webpage has been reviewed. It supports identifying and verifying customers and beneficial owners, understanding the purpose of a business relationship, ongoing review of transactions, enhanced due diligence where risk is higher, and the requirement that non-face-to-face identity verification use secure procedures compliant with the rules. It does not provide Santander's internal policies or a document checklist for this product.

  4. Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida

    The text of the Spanish tax authority FAQ on Modelo 289 due diligence has been reviewed. It supports tax-residence self-certification, TIN information and reasonableness checks, and explains that financial institutions may identify controlling persons in relevant entity-classification situations. This is a CRS tax-reporting framework and should not be misread as a bank-published account-opening form or a uniform Spanish NIF requirement.

Fees and timelines

As of 2026-10-26, the personal non-resident account page reviewed showed an account maintenance fee of 0 euros and TIN and TAE account interest rates of 0%. Issuance and maintenance of the debit card are free; currency exchange may incur costs. A credit card requires prior bank approval. The page did not disclose account-opening processing time or a minimum deposit. The corporate account page showed a maintenance fee of 0 euros for the first 12 months for new customers, and 90 euros per quarter thereafter; account management costs 0.65 euros per transaction. The TAE of -0.29% shown on the page is an example based on an average daily balance of 125,000 euros, maintained for one year, and including an annual maintenance fee of 360 euros; it is not a return or a uniform fee rate for all balances. These are euro charges disclosed on the relevant product pages on the date reviewed and do not mean the bank will not change them in the future. Sources: s1, s4.

Limitations and practical considerations

  • Online accounts for non-resident individuals are available only to applicants in countries currently listed on the official website for online contracting; the country list may change. Being absent from the list does not establish that opening an account through a branch is not possible; other routes remain subject to bank confirmation. Source: s1.
  • This personal account product is for individuals residing outside Spain. Spanish residents should separately check the bank’s resident account products; the non-resident page cannot be used to determine resident eligibility. Source: s1.
  • Personal credit cards require prior bank approval; being able to apply for an account does not mean credit has been approved. Source: s1.
  • Although the corporate account page states that resident and non-resident legal entities may apply, it does not publish the place of incorporation, legal-form, actual controller review, online-channel territorial restrictions, or complete document requirements; confirm these with the bank before applying. Source: s4.
  • The official website's legal notice states that some pages and products are intended for Spanish residents or visitors accessing the site from Spain, and that certain products may be unavailable depending on the jurisdiction or personal circumstances. Check local requirements in the applicant's jurisdiction. Source: s3.
  • The bank’s published website information is not a currently bookable account opening channel offered by Rengangyongsheng (Hong Kong) Limited and does not guarantee that this company can act on the applicant’s behalf, make referrals or arrange for the bank to accept an application. Service channels and the bank’s written response must be verified separately.

Licensing evidence and regulatory verification

Banco de España’s list of Spanish monetary financial institutions is dated 2026-10-23. It specifically lists “Banco Santander, S.A.” as an “Entidad de crédito” (credit institution), with Banco de España institution code 0049 and LEI 5493006QMFDDMYWIAM13. The bank’s official legal notice also states that Banco Santander, S.A. is registered with Banco de España under number 0049 and discloses Spanish tax number A-39000013. Thus, the specific legal entity and its classification as a credit institution have been found in the competent authority’s current list; this is not merely a directory entry point. However, the licensing decision, license conditions, and authorized scope of business were not separately obtained in this review. The directory record is therefore not expanded into a guarantee of eligibility for any specific product, acceptance of an account application, or authorization to provide cross-border services.

Bank of Spain (Banco de España); matters involving securities markets are also regulated by the competent authorities, including the Spanish National Securities Market Commission (CNMV). Official registration or record

Information sources

  1. Banco Santander — Cuenta Online para No Residentes con pasaporte

    Scope of non-resident personal accounts; minimum age of 18 and identity document requirements; current list of countries eligible for online signing; application information; video identification and e-signing steps; credit cards subject to approval; fees and physical/virtual cards corresponding to the address; and deposit protection disclosed on the page.

  2. Banco de España — Lista de instituciones financieras monetarias en España

    The current page data date is 2026-10-23. It explicitly lists Banco Santander, S.A., the classification “Entidad de crédito,” institution code 0049, and LEI 5493006QMFDDMYWIAM13. This is a listing for a specific entity and does not replace a licensing decision or business authorization scope that was not found.

  3. Banco Santander — Aviso Legal

    The bank’s official website identifies the operating entity as BANCO SANTANDER, S.A., discloses Banco de España registration number 0049, its registered address and CIF A-39000013, and notes that some products or services may be unavailable depending on jurisdiction and individual circumstances.

  4. Banco Santander — Cuenta Santander Personas Jurídicas

    Official corporate account information: both corporate customers and non-customers may apply; available to resident and non-resident legal entities; applications can be made online or at a nearby branch. Product conditions and the disclosed maintenance fee, account management fee, interest, and deposit protection apply. The page does not provide a complete corporate KYC document checklist.

  5. SEPBLAC — Diligencia debida

    Spanish AML/KYC due diligence: customer identification, identification and verification of beneficial owners, business purpose and ongoing transaction monitoring, risk-based enhanced due diligence, and requirements for non-face-to-face customer identification procedures.

  6. Agencia Tributaria — Preguntas frecuentes del modelo 289: obligaciones de diligencia debida

    Official guidance on CRS/Modelo 289 concerning new-account tax residency self-certification, address, tax residence jurisdictions, TIN (if issued), reasonableness checks, and account information reporting.

  7. Agencia Tributaria — Modelo 290 FATCA

    Clarifies that Modelo 290 is the annual reporting form for financial accounts held by certain U.S. persons, and lists the Spain–U.S. FATCA agreement.

  8. Banco Santander — Información sobre protección de datos

    Banco Santander, S.A. as data controller; its privacy notice covers data types relating to applicants, legal-entity representatives, and authorized persons, as well as data sources and processing purposes concerning identity, residence, finances/income, transactions, and anti-money-laundering and counter-terrorist-financing due diligence.

  9. Council of the European Union — Types of sanctions the EU adopts

    EU sanctions may target individuals and entities; core restrictions include asset freezes and prohibitions on making funds available to sanctioned persons. This source supports general legal background and does not establish Banco Santander’s specific screening mechanisms.

  10. Agencia Tributaria — Non-residents

    Spanish tax authority information for non-residents, including topics on determining tax residence for individuals and legal persons, tax-residence certificates, and NIF tax registration for non-residents; these topics should not be interpreted as uniform prerequisites for opening a bank account.