EuropeSpainLicensed-entity research

Bankinter, S.A.

Bankinter, S.A. is a credit institution listed in the Spanish bank directory. Bankinter’s website page for non-residents presents euro accounts, foreign-currency accounts, and other products, but does not publish a complete set of non-resident eligibility requirements and application documents. The ordinary current account page expressly limits eligibility to Spanish residents, while the foreign-currency account page’s description of non-resident eligibility conflicts with its FAQ on the same page. Confirm with the bank whether the specific product and individual application can be accepted.

Regulator: Bank of Spain (Banco de España); Bankinter’s website also states that it is supervised by the European Central Bank.
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: The entity and credit institution record for Bankinter, S.A. (code 0128) has been checked in Banco de España's official directory, and specific statements on its official website concerning resident accounts, non-resident product offerings and the online corporate process have been verified. However, eligibility wording for non-resident individuals' foreign-currency accounts conflicts on the same page, and the scope of acceptance for non-resident companies, complete document requirements, overseas proof-of-address rules and the non-resident account-opening process have not been published and require written confirmation from the bank.

Research scope and official resources

Topic number:europe-bankinter-sa

The candidate record identifies this as a selection of large Spanish banks in The Banker Top 1000 World Banks 2026 (Tier 1 capital basis), without providing or claiming an individual ranking. This candidate set is a lead for identifying institutions, not a current global top 100 list, and does not prove acceptance for a specific account or licensing status.

Bank’s official website

Personal Eligibility and Documents

Publicly confirmed: Bankinter’s standard personal current account is available only to individuals residing in Spain. Its separate non-resident page displays euro current accounts and foreign-currency accounts, but does not provide specific application criteria, a complete list of supporting documents, or a guarantee of account opening for non-residents. The foreign-currency account page says in its main text that both Spanish residents and non-residents may apply, but its FAQ on the same page says the sole condition includes residing in Spain and being at least 18 years old, creating a material conflict in stated requirements; the main text cannot be used to infer that non-resident individuals will definitely be approved. Eligibility for resident products and the offering of non-resident products should be understood separately. Before applying, confirm in writing with Bankinter whether the selected product, place of residence, and identity documents meet its acceptance criteria.

Personal information publicly disclosed or identified

【Published by the bank】Online registration for a personal current account requires personal information. The account-opening FAQ/process page describes online application, video identification, and signing, but does not list a complete document checklist specifically for non-residents. Sources: s1, s2, s3.
【General preparation suggestion; not a policy published by Bankinter】Prepare valid identification, proof of current address, occupation/income information and expected account-use information; the account-opening bank may request additional documents based on risk and individual circumstances. Spanish law requires banks to identify customers before establishing a business relationship; this legal requirement does not mean Bankinter has published the specific document formats above. Source: s8.
【Tax due diligence information】Prepare self-certification information for all tax-resident jurisdictions and corresponding tax identification numbers, if issued in those jurisdictions. AEAT states that financial institutions must obtain a declaration of tax residency when opening a new account and check whether it is reasonable; this usually includes the name, full address, tax-resident jurisdiction, and tax identification number. This describes tax due diligence fields, not Bankinter’s personal-document list. Sources: s10, s11.

Company eligibility and documents

Publicly confirmed: Bankinter offers the PLAN Empresas business product and says it is for SMEs with annual turnover below 5,000,000 euros; the website also expressly states that the plan is not available to autónomos (self-employed individuals), who are advised to look into a separate plan or contact a branch. The online business application page displays a process involving entry of personal and business details, upload of required documents, video identity verification, signing, and activation. However, the public pages do not confirm the eligibility of foreign-registered companies, companies that are not Spanish tax residents, or overseas directors or UBOs, nor do they publish a document list for such cases; the general business process must not be treated as confirmation that cross-border companies are accepted.

Company information publicly disclosed or identified

【Published by the bank】Online business registration requires the applicant’s personal information and company information, uploading documents requested by the bank, video identity verification, and signing. The website does not publish an itemized document list for companies registered in different foreign jurisdictions. Source: s4.
【General preparation suggestion; not a policy published by Bankinter】You may prepare company registration/good standing documents, articles of association, registered and business addresses, tax identification number, identification for directors and authorized signatories, authorization/board resolutions, and a chart of ownership and control structure with ultimate natural-person beneficial owner details. Spanish AML law requires identification of customers and beneficial owners and determination of the legal entity’s ownership/control structure, but this does not establish that Bankinter requires each of the documents above in a specific format. Source: s8, s9.
【General preparation suggestion; not a policy published by Bankinter】Compile supporting evidence of the nature of the business, expected incoming and outgoing payments, initial funding and ongoing sources of funds; the bank may request further information as part of customer due diligence. The bank’s public business pages do not specify document thresholds or acceptance criteria for source-of-funds documents for non-resident companies. Source: s8.
【Tax due diligence information】Prepare tax residency declarations, tax identification numbers for each tax-resident jurisdiction (if issued), full addresses, and entity tax classification information for the company and any controllers covered by the requirements. AEAT CRS due diligence guidance covers new accounts held by individuals and companies and controlling persons of passive non-financial entities; this is not a complete company account-opening document list published by Bankinter. Sources: s10, s11.

Address, tax, and remote / witnessed procedures

Address and tax

The applicant's actual residential/business address and tax residence should be declared truthfully. The Spanish tax authority states that a tax-residence self-certification for a financial account must include the full address, tax jurisdiction, and tax identification number issued by that jurisdiction. Whether a Spanish tax identification number applies depends on the transaction and tax circumstances: AEAT states that a foreign or non-resident legal entity must hold a Spanish NIF when carrying out transactions with tax implications; this does not establish that all non-resident individuals must first obtain a Spanish NIE/NIF to open an account. Bankinter has not publicly specified the types of overseas address proof it accepts, document validity periods, or whether individuals/foreign companies must have a Spanish address; confirm these points with the bank in writing.

Remote / witnessing

Bankinter’s business registration page publishes online application, video identity verification, and signing steps; its ordinary personal account page also describes an online account-opening process, but the ordinary account is limited to Spanish residents. The non-resident promotional page says remote banking services are available, referring to customer service/account operation, and does not establish that accounts can be opened remotely worldwide. Public information does not confirm which countries are covered for video verification for non-resident accounts, arrangements for in-person signing at overseas branches, acceptance of notarization/third-party witnessing, or the cross-border applicability of electronic signatures; each point should be confirmed with the bank.

Public process reference

First determine whether the applicant is an individual resident in Spain, a non-resident individual, or a company incorporated in Spain or abroad, and specify the product. A page promoting services to non-residents is not a promise of account opening; the standard current account is expressly limited to residents of Spain. Sources: s1、s2、s3.
Before submitting an application, non-resident individuals should confirm with Bankinter whether it currently accepts their place of residence, status, and tax circumstances for a non-resident euro or foreign currency account. The main text of the foreign currency account page conflicts with the eligibility information in its FAQ. Sources: s1, s2.
The publicly available steps for an ordinary personal account for residents are to complete customer registration details and then apply online; the personal online account-opening guide includes personal/occupational information, video identification, account selection, and electronic signing. The actual process for non-residents is not publicly available. Source: s2.
The business page lists the following public steps: click to open PLAN Empresas, enter personal and business information, upload required documents, verify identity, sign and activate. Confirm in advance whether foreign companies can use this online process. Source: s4.
Wait for the bank to complete its reviews of identity, beneficial owners, tax residency, and risk; public information does not promise a completion timeframe.

Compliance topics, details, and sources

Spanish AML/KYC customer identification and ongoing due diligence

As a Spanish credit institution, Bankinter is subject to Spanish anti-money laundering laws. The law requires identification of individuals or legal entities before establishing a business relationship and verification of identity using reliable documents; it also requires understanding the purpose and nature of the business relationship and conducting ongoing due diligence. The pages cited above do not fully disclose the additional documents that may actually be requested or Bankinter’s case-specific risk standards.

Source:BOE — Ley 10/2010 de prevención del blanqueo de capitales y de la financiación del terrorismo

Ultimate beneficial owners, control chain and source of funds

Spain’s Law No. 10/2010 requires beneficial owners to be identified and verified before establishing a relationship. This includes identifying natural persons who directly or indirectly hold or control more than 25% of, or otherwise control, a legal entity, and determining the entity’s ownership and control structure. The relationship must not be established or maintained if the structure cannot be determined. Applicants should truthfully disclose ultimate controllers and explain the purpose of transactions and source of funds as requested by the bank; do not conceal information or evade verification. This law does not mean that Bankinter has publicly disclosed a specific list of required documents.

Source:BOE — Ley 10/2010 de prevención del blanqueo de capitales y de la financiación del terrorismo

Spanish CRS/DAC2 tax-residency self-certification and automatic exchange of information

Under Royal Decree 1021/2015, Spain requires relevant financial institutions to identify the tax residence of financial account holders and controlling persons and report to the tax authorities in accordance with applicable exchange relationships. AEAT guidance states that new accounts should have a tax-residency self-certification obtained, its reasonableness checked, and any issued tax identification number recorded. All actual tax-residence jurisdictions must be declared.

Source:Agencia Tributaria — Frequently asked questions about Form 289: Due diligence obligations ；BOE — Real Decreto 1021/2015 sobre intercambio automático de información de cuentas financieras

US FATCA is a separate framework, not equivalent to CRS

AEAT explains that Spanish financial institutions are subject to the Spain–US FATCA intergovernmental agreement and its reporting rules, under which specific US accounts are reportable when the conditions are met. FATCA is a US compliance framework that operates separately from CRS; the US must not be described as a CRS participating jurisdiction, and CRS applicability does not replace FATCA classification for US persons. Customers should accurately provide their US tax status and related tax identification number information, if applicable.

Source:Agencia Tributaria — FATCA Frequently Asked Questions

EU financial sanctions and asset-freezing obligations

Spanish AML law classifies the intentional breach of restrictive measures imposed under relevant EU treaty provisions, including failure to freeze funds or prevent funds from being made available to designated persons, as a serious infringement. Banks must comply with applicable EU restrictive measures. Public information does not disclose Bankinter’s internal screening systems, list-update mechanisms, or case-specific decision thresholds, so no outcome can be predicted for a particular customer or transaction.

Source:BOE — Ley 10/2010 de prevención del blanqueo de capitales y de la financiación del terrorismo

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.

The subject is Spain’s Bankinter, S.A. This guide focuses on non-residents considering personal accounts and applicants considering business accounts; it does not mean the bank has confirmed acceptance based on their place of residence, company’s place of incorporation or account purpose. Bankinter’s non-resident page lists euro and foreign-currency accounts, but the text and FAQ on the foreign-currency account page conflict on residence requirements. Eligibility for businesses and cross-border companies must be confirmed case by case. If you engage Rengangyongsheng (Hong Kong) Limited for assistance, Mr. Tang will personally follow up on documents and appointments; fees will be explained in advance and timing confirmed first. No bank account-opening outcome is guaranteed.

Date information checked:2026-10-26

Information evidence package

Personal identity, place of residence and tax residency information

Who it applies to: Individuals intending to apply for a personal account; particularly relevant to non-residents of Spain. Bankinter's restrictions on ordinary accounts should not be conflated with its non-resident product page; confirm the specific product and eligible places of residence first.
Documents to Prepare: Prepare a valid passport or local identity card, and organize the spelling of your name, date of birth, nationality, actual residential address and proof of residence. This is an account-opening preparation recommendation; Bankinter has not published, on the pages reviewed, the types or validity periods of identity documents or proof of address accepted from non-residents.
List all tax-residence jurisdictions and tax identification numbers issued by each, and prepare to complete the tax residency self-certification truthfully. If a jurisdiction does not issue a tax identification number, prepare evidence explaining this in advance.
Prepare a brief description of your occupation/employer or business activities, the intended purpose of the account, and the expected countries, currencies, and frequency of incoming and outgoing payments. This can help address the bank’s published process for personal and occupational information and any subsequent due diligence.
Description: Bankinter’s foreign-currency account page publishes steps for entering personal and occupational information online, video identity verification, and digital signing, but its FAQ on the same page says applicants must reside in Spain and be at least 18 years old, conflicting with the page’s main text, which allows residents or non-residents. Requirements for original documents, certified copies, translation/certification, and the acceptable validity period of documents have not been published. Confirm with the bank before submission; the preparation suggestions above should not be treated as a mandatory list from the bank.

Source:Bankinter — Extranjeros no residentes；Bankinter — Cuenta bancaria para divisas；Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations

Company entity, authorized persons and ultimate control chain

Who it applies to: Applicants intending to apply in the name of a legal entity; these are due diligence preparation suggestions only. Available public information is insufficient to confirm whether Bankinter accepts companies registered overseas, non-resident directors, or overseas UBOs.
Documents to Prepare: It is advisable to prepare the company’s certificate of incorporation or proof of good standing, articles of association or other constitutional documents, registered and operating addresses, tax number, and up-to-date details of directors and managers, and to indicate the basis on which the signatory is authorized. These are suggestions to help establish the entity’s identity and authorization arrangements, not verified item-by-item requirements of Bankinter.
Prepare an ownership and control structure chart from the applicant entity to the ultimate natural persons, showing shareholding/voting rights at each level, the form of control and its basis; prepare relevant company registry extracts, shareholder registers, or other documents that explain the structure.
Prepare tax-residency, tax identification number and entity tax classification information for the entity and, where applicable, its controlling persons. If it is a passive non-financial entity, prepare information about its controlling persons and each controller’s tax-residency self-certification.
Description: Spanish law requires identifying and verifying beneficial owners and determining a legal entity’s ownership and control structure; AEAT’s CRS due-diligence guidance also addresses controlling persons of passive non-financial entities. The law and tax rules do not establish that Bankinter accepts any particular format of registration document, nor do they publish a list of documents for cross-border companies. Ask the bank first whether notarization, certification, apostille, or translation is required.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo；Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations

Genuine business, expected transactions and supporting evidence for source of funds

Who it applies to: Applicants who are individuals or part of a company/control chain and may need to explain the source of funds or business; additional documents depend on the bank’s risk assessment.
Documents to Prepare: Prepare a one-page business/account use explanation stating the products or services, countries where major customers and suppliers are located, expected purposes of incoming and outgoing payments, currencies, frequency and approximate amounts, and ensure these figures are consistent with the account application.
Choose traceable documents based on your main income source, such as recent payslips/employment confirmation, tax returns or financial statements, contracts/invoices, dividend resolutions, proof of asset sale, or inheritance documents. Prepare only documents that match your own source of funds; unrelated documents are not required.
If the account-opening funds come from a third party, an affiliated company or a cross-border transfer, prepare an explanation and supporting documents covering the relationship between the remitter and applicant, how the funds were generated and the transfer route. Do not substitute unexplained cash or nominee arrangements for verifiable records.
Description: These are preparatory suggestions based on Spanish law regarding understanding the purpose and nature of the business relationship, reasonably verifying declared activity, and ongoing checks on the source of funds. They do not represent a fixed funding threshold, minimum deposit, or specific document format published by Bankinter. The bank’s non-resident page lists products but does not publish a source-of-funds checklist.

Source:Bankinter — Extranjeros no residentes；BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo

Due diligence and enhanced verification

Ultimate beneficial owners, control arrangements and look-through of the ownership structure

Basis for Verification: Spain’s Law No. 10/2010 requires beneficial owners to be identified and verified before establishing a business relationship. For a legal entity, beneficial owners include natural persons who ultimately directly or indirectly hold more than 25% of the capital/voting rights, or otherwise control the entity. This statutory threshold is a requirement under Spanish law; it should not be taken as Bankinter’s published complete review criteria or as a uniform threshold applicable in all countries.
Preparation recommendation: It is advisable to list direct and indirect ownership, voting rights and other control arrangements at each level. If control is not based solely on ownership, attach an explanation of appointment/removal powers, agreements or governance arrangements. Prepare identity information for each ultimate natural person and ensure that the application form, company documents and tax declaration are consistent.
Scope: Spanish legal requirements; an organizational chart and supporting evidence are general preparation recommendations. The materials Bankinter specifically accepts, its verification methods, and the procedures where a beneficial owner cannot be confirmed have not been published.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo

Account purpose, genuine business activity and source of funds/source of wealth

Basis for Verification: Spanish law requires obtaining information on the expected purpose and nature of the business relationship, understanding the customer’s occupation or business activity, and reasonably verifying it. Ongoing due diligence must compare actual transactions with what is known about the customer, business/risk profile, and source of funds. The law does not require every customer to provide the same type of income or wealth documents.
Preparation recommendation: It is advisable to provide a brief explanation linking the purpose of the account, counterparties and countries, expected amounts/frequency and sources of credits. Prepare independently verifiable documents for major sources and explain large or unusual transactions, recent asset sales, intra-group dealings or third-party payments.
Scope: Local statutory obligations; specific documents, risk ratings, and Bankinter internal limits are not public. The evidence listed is general preparation advice and does not mean the bank has required all documents to be submitted.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo

PEP, related-party and sanctions screening

Basis for Verification: Spanish law requires enhanced measures for politically exposed persons (PEPs) and family members and close associates within the statutory scope. These include identifying their status, obtaining approval from at least the appropriate level of management, taking appropriate measures to determine the source of wealth and funds, and conducting enhanced ongoing monitoring. PEP status does not itself mean that a person is sanctioned or that an account will automatically be rejected. The law also requires compliance with applicable restrictive measures; intentionally failing to freeze funds of a designated person may constitute a serious infringement. The bank’s internal list-screening and decision criteria have not been published.
Preparation recommendation: If the applicant, UBO, or a person connected to the funds is or was a PEP, we recommend proactively and accurately explaining the position, period of service, and relationship, and preparing evidence of the lawful accumulation of wealth and the source of the funds for this transaction. If the name may resemble a sanctions-list entry, prepare date of birth, nationality, and identity information to help distinguish the person; do not conceal the relationship.
Scope: Statutory enhanced due-diligence and applicable restrictive-measures obligations under Spanish law; no inference is made about individual compliance conclusions or Bankinter’s internal screening criteria.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo

CRS/DAC2 Tax Residency Self-Certification and Controlling Person Tax Information

Basis for Verification: AEAT explains that financial institutions must obtain a valid tax-residency self-certification when opening new individual and business accounts and check its reasonableness against AML/KYC information obtained at account opening. The self-certification covers the name/entity name, full address, tax residence, issued tax identification numbers and an individual's date of birth; a new certification is required if a change in circumstances makes the declaration unreliable. Passive non-financial entities must also have their controlling persons identified and their tax residence determined.
Preparation recommendation: Check the tax residence and tax identification number of the applicant and any applicable controllers in each jurisdiction; do not use passport nationality as a substitute for tax residence. Explain a missing tax identification number only if the jurisdiction does not issue one or a legal exception applies. If the address, company registration details, and tax self-certification differ, prepare an explanation and supporting evidence.
Scope: Spanish tax due diligence rules and official guidance; not a form issued by Bankinter or its complete account application document checklist.

Source:Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations

Ongoing maintenance obligations

Keep customer information, business activity, and transactions verifiable and cooperate with ongoing due diligence

Spanish law requires banks to monitor business relationships on an ongoing basis, ensure that transactions are consistent with their knowledge of the customer, business/risk profile, and source of funds, and keep information up to date. Customers should retain records of account purpose, supporting documents for significant transactions, and source of funds. If the bank asks about a particular transaction, provide relevant explanations and documents based on the facts, such as contracts, invoices, salary/dividend records, or a transfer trail. Bankinter’s review frequency, periodic document-update arrangements, and response deadlines have not been published; no fixed cycle should be assumed.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo

Update Your Self-Certification When Tax Residency or Controlling Information Changes

AEAT explains that if a change in circumstances makes the financial institution aware, or gives it reason to believe, that the original tax self-certification is inaccurate or unreliable, it must obtain a valid new self-certification; the declaration itself should include an undertaking to report changes affecting the information. Customers are advised to promptly update the bank about changes to tax residence, address, tax identification number, entity classification or controlling persons. The submission channel and processing time through Bankinter, and the review cycle, have not been made public.

Source:Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations

Explanations and record retention for significant transactions or changes in the control structure

If there is a change in UBOs/directors/signing authority, business scope or main transaction countries, an unusually large incoming payment, a third-party payment, or a change in the source of funds, it is advisable to promptly verify whether information held by the bank needs to be updated, and retain supporting company resolutions, registration documents, contracts and proof of funds for the change. The statutory ongoing due diligence obligation rests with the bank; this item lists preparation suggestions to help customers cooperate and does not claim that a uniform statutory customer reporting deadline exists.

Source:BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo；Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations

Please confirm with the bank before booking

I intend to apply as an individual, and my tax residence and actual place of residence are 【country/region】. Which specific account does Bankinter currently accept applications for from residents of this location? What are the eligibility requirements for non-resident euro accounts and foreign-currency accounts, respectively?
The foreign-currency account page says in its main text that residents and non-residents may apply, but the FAQ states that applicants must reside in Spain. Please confirm the current eligibility criteria, whether my non-resident status is accepted, and whether this rule applies to online applications.
Which identity documents, proof of address, and tax residency materials are accepted? Must documents be originals, certified copies, translated, notarized/apostilled, or in particular languages? Are there time limits on document dates?
If the applicant is a company incorporated in [place of registration] and its directors/UBO reside overseas, will the application be accepted? Please provide the list of entity documents, authorization evidence, and UBO and controller documents for this application type.
If you need to explain your funds or business, ask: What transaction/source-of-funds supporting documents does your bank normally require for this type of account? What upload methods and file formats are accepted, and what is the deadline for providing additional documents?
Please confirm the current fees, minimum balance or other maintenance requirements, and estimated review time for the selected product. Do these depend on place of residence, entity registration, or in-person/remote verification?

Not confirmed by public information

Bankinter’s non-resident page presents euro and foreign-currency accounts but does not clearly list acceptable countries/regions of residence, nationality coverage, or complete application requirements for non-residents. The main text of the foreign-currency account page directly conflicts with its FAQ on whether residence in Spain is required.
The pages reviewed do not publish a complete account-opening document checklist for non-resident individuals or foreign-incorporated companies, or explain accepted types of overseas proof of address, document languages, translation/notarisation/certification requirements, document validity periods, regions covered by remote identity verification, or account-opening appointment arrangements.
Bankinter’s risk appetite, internal approval levels, or limits have not been verified for foreign directors/UBOs, complex multi-tier ownership structures, specific industries, or cross-border sources of funds. Spanish law cannot be used to infer that the bank will necessarily accept an application.
Although the foreign-currency account page lists an annual maintenance fee of 45 euros and sample rates, its eligibility criteria are inconsistent. Fees, minimum balance, business account charges, requests for additional documents and processing times should all be confirmed against the bank's current written response for the specific product and the contract.

Sources & Scope of Verification

Bankinter — Extranjeros no residentes
Bankinter’s official non-resident promotional page presents euro current accounts, foreign-currency accounts, and remote banking services; it does not list acceptable countries of residence for non-resident individuals, complete account-opening eligibility requirements, or a full document checklist, and therefore supports only the presentation of products and the fact that restrictions are not published.
Bankinter — Cuenta bancaria para divisas
The main text of the official foreign-currency account page says that resident or nonresident individuals may apply, while its FAQ says the only condition is residence in Spain and being at least 18 years old. It also describes entering personal and employment information online, video identity verification, digital signing, and an annual fee of EUR 45. Specific nonresident eligibility must be confirmed with the bank.
BOE — Ley 10/2010, de prevención del blanqueo de capitales y de la financiación del terrorismo
Spain’s current official consolidated legal text: Articles 3 to 6 address customer identity verification, beneficial owners holding more than 25% or exercising control by other means, understanding the purpose/nature of the business relationship, and ongoing monitoring. The enhanced due-diligence provisions for PEPs require management approval, checks of source of wealth/funds, and enhanced ongoing monitoring; the text also sets out obligations concerning applicable restrictive measures. These are legal requirements, not Bankinter’s document-by-document policy.
Agencia Tributaria — Frequently Asked Questions about Form 289: Due diligence obligations
Spanish tax authority’s official CRS/DAC2 due diligence guidance: tax-residency self-certification for new individual and business accounts; reasonableness checks on account-opening information; updates when circumstances change; and tax-residency due diligence on controlling persons of passive non-financial entities. This is not a Bankinter-specific application form or document checklist.

Fees and timelines

Bankinter’s foreign-currency account product page publishes a maintenance fee of 45 euros per year, charged at 22.50 euros every six months; the page says there is no minimum balance requirement. This fee applies only to the foreign-currency account product described on that page, and its non-resident eligibility information conflicts with the FAQ on the same page, so this does not mean an applicant has been approved to open an account. Non-resident fees, minimum deposits, transaction limits, and final charges for ordinary and business accounts depend on the specific contract/fee schedule. The reviewed pages did not confirm account approval or funds-transfer timelines, so no estimates are provided. The bank pages above were checked on 2026-10-26.

Limitations and practical considerations

Standard personal current accounts are available only to Spanish residents. Bankinter's website also limits its salary account to individuals residing in Spain.
The non-resident promotional webpage displays euro and foreign currency accounts but does not detail the conditions for non-resident account opening. The main text of the foreign currency account page allows residents or non-residents, while the FAQ requires residence in Spain; the currently applicable rules must be confirmed with the bank.
The PLAN Empresas page says it is for small and medium-sized enterprises with annual turnover below 5,000,000 euros and expressly excludes sole proprietors. This public page does not confirm whether companies registered abroad or with non-resident controllers are accepted.
Remote banking services and corporate video-identification procedures do not mean that applicants from every country can open accounts remotely, nor do they establish that third-party witnessing or notarized and certified documents are accepted.
This information is research based solely on public sources. It is not an account-opening channel currently available for appointments through Rengangyongsheng, an established business relationship, or a promise of acceptance. Bankinter confirms actual eligibility, account-opening decisions, and document requirements.

Licensing evidence and regulatory verification

A specific entry in the competent authority’s directory has been cross-checked: the Banco de España “List of monetary financial institutions in Spain” page is marked as updated on 2026-10-23 and lists Bankinter, S.A., classified as Entidad de crédito (credit institution), Banco de España institution code 0128, LEI VWMYAEQSTOPNV0SUGU82, address Ps de la Castellana 29, 28046 Madrid, and “Sí” in the bank’s “Informe” column. Bankinter’s website corporate information separately states that it is registered in the official Spanish register of banks under number 0128 and is supervised by the ECB. This evidence supports the specific entity’s inclusion in the central bank’s financial institutions directory and the registration information disclosed by the bank itself; no separate licence number or unverified scope of permissions has been invented.

Bank of Spain (Banco de España); Bankinter’s website also states that it is supervised by the European Central Bank. Official registration or record

Information sources

Bankinter — Extranjeros no residentes
Bankinter’s official product page for non-residents; it presents euro current accounts, foreign-currency accounts, and related features, but does not provide complete non-resident eligibility requirements or a document checklist.
Bankinter — Cuenta bancaria para divisas
The main text of the foreign-currency account page says that residents and non-residents of Spain may apply, and lists currencies, no minimum balance, an annual maintenance fee of 45 euros and an online video identification process. However, the FAQ on the same page says applicants must reside in Spain and be at least 18 years old, creating an eligibility conflict that should be confirmed with the bank.
Bankinter — Cuenta corriente
Standard current accounts are available only to natural persons residing in Spain. The page states that applicants can apply online after completing the registration details; it does not specify conditions for non-resident account opening.
Bankinter Empresas — Hazte cliente de Bankinter Empresas
The official business registration page lists steps involving personal and business information, document uploads, video identity verification, signing, and activation. The website does not clearly list documents for foreign companies or eligibility for nonresident companies.
Bankinter Empresas — PLAN Empresas
The business plans page says PLAN is intended for small and medium-sized businesses with annual turnover below 5,000,000 euros and cannot be contracted by sole proprietors. Eligibility for foreign companies has not been confirmed.
Bankinter — Información societaria
Bankinter’s official corporate information identifies the entity as Bankinter S.A., describes it as a financial and credit institution supervised by the ECB, and lists it in the official register of banks under number 0128; it also lists its Spanish tax number, CIF A-28/157360, and registered office address in Madrid.
Banco de España — Lista de instituciones financieras monetarias en España
The date on Spain’s central bank official list page is 2026-10-23. It specifically lists Bankinter, S.A. as a credit institution, with institution code 0128, LEI, and address, supporting verification of the entity’s current register entry.
BOE — Ley 10/2010 de prevención del blanqueo de capitales y de la financiación del terrorismo
The current text of Spanish law addresses customer identity verification, beneficial-owner identification, legal entity ownership/control structures, ongoing due diligence, and penalties for violating applicable restrictive measures or failing to freeze funds of designated persons.
Agencia Tributaria — NIF persona jurídica y entidad
The Spanish tax authority explains that legal persons and entities must have a NIF when carrying out transactions with tax implications, including non-resident or unincorporated entities carrying out relevant transactions.
Agencia Tributaria — Frequently asked questions about Form 289: Due diligence obligations
AEAT explains that under CRS/DAC2, financial institutions must obtain tax-residency self-certifications for new individual and business accounts and check their reasonableness; declarations include the name/entity name, full address, tax residence and issued tax identification number, and, where necessary, controlling persons of passive entities.
BOE — Real Decreto 1021/2015 sobre intercambio automático de información de cuentas financieras
Formal Spanish regulations require financial institutions to identify the tax residence of account holders and controlling persons, conduct due diligence, and report applicable accounts to the tax authorities for automatic exchange of information where the conditions are met.
Agencia Tributaria — FATCA Frequently Asked Questions
AEAT explains that Spanish financial institutions are subject to the Spain–US FATCA agreement and report specific US accounts using Model 290; this supports describing FATCA as separate from CRS.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: The entity and credit institution record for Bankinter, S.A. (code 0128) has been checked in Banco de España's official directory, and specific statements on its official website concerning resident accounts, non-resident product offerings and the online corporate process have been verified. However, eligibility wording for non-resident individuals' foreign-currency accounts conflicts on the same page, and the scope of acceptance for non-resident companies, complete document requirements, overseas proof-of-address rules and the non-resident account-opening process have not been published and require written confirmation from the bank.
Author: Drew

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