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Overseas banking/Spain

EuropeSpainLicensed-entity research

CaixaBank, S.A.

CaixaBank, S.A. (refers only to the Spanish legal banking entity; excludes the holding company, brand, and separate payment institution CaixaBank Payments & Consumer, E.F.C., E.P., S.A.U.)

CaixaBank, S.A. is the Spanish banking entity. Banco de España’s public register of institutions dated 2026-10-23 lists it as a credit institution and gives code 2100. CaixaBank publicly offers a HolaBank account for eligible non-residents, but the page specifies that it is limited to certain combinations of nationality and country of residence. Acceptance of foreign legal entities for corporate accounts, required documents, and specific conditions must still be confirmed with the bank.

Regulator
Banco de España (the Bank of Spain; this file verifies the entity’s identity based on its publicly available classification record and does not include an individual certified extract from the bank’s live official register)
Check date
2026-10-26
Verify status
Some information remains to be confirmed: CaixaBank's specific public classification entry in Banco de España's records as of 2026-10-23 and the registration number disclosed by the bank have been checked. Official pages relating to personal non-resident HolaBank accounts, personal resident accounts and company accounts, along with official Spanish AML/CRS/FATCA materials, have been read. CaixaBank's individual current authorisation record/certified extract from Banco de España's formal online register has not yet been obtained. Eligibility for overseas legal entities and complete corporate document lists, eligibility for countries/cases not covered by the non-resident pages, complete account fees and specific source-of-funds documents still require written confirmation from CaixaBank.

Research scope and official resources

Topic number:europe-caixabank-sa

Based on the project’s selection.json, use the selected large Spanish bank among The Banker Top 1000 World Banks 2026 Tier 1 capital-basis candidates as a lead for identifying institutions; this is not an individual ranking, a current global top 100 ranking, or a conclusion about account eligibility or licensing.

Bank’s official website

Personal Eligibility and Documents

Personal: CaixaBank’s public HolaBank non-resident account page states that online service is for non-Spanish residents who hold one of the listed nationalities and reside in Austria, Belgium, Canada, Denmark, Finland, France, Germany, Ireland, Iceland, Italy, Luxembourg, the Netherlands, Poland, Norway, Portugal, Sweden, Switzerland, or the United Kingdom. Spanish citizens living in these countries may also apply. The page lists an identity document or passport, name and address, and proof of income/employment depending on the country as account-opening documents; applications are subject to identity verification. The webpage does not confirm acceptance of non-residents outside this publicly listed nationality and country scope or with special combinations of nationality, residence, and tax status; CaixaBank must confirm in writing. There is also an online account for foreign customers living in Spain. The official page requires an NIE, a mobile phone capable of receiving SMS, and a device with a camera, and describes video identity verification. The resident-product page states that customers who already have Spanish residence may apply online from other countries, but this must not be extrapolated to mean that all non-residents can open accounts remotely. None of this constitutes a commitment to approve an account (s1).

Personal information publicly disclosed or identified

  • The bank’s official HolaBank page for nonresidents lists the applicant’s name, address, and valid identity document or passport.
  • The bank’s official HolaBank page for nonresidents lists proof of income or employment; the specific documents required vary by country of residence and occupation/income category. The page advises checking the document list for the relevant country, but not all country-specific attachments could be verified from the public pages reviewed.
  • The bank’s official page states that identity verification is conducted online by video; after signing the agreement, the applicant must visit a branch in Spain within 6 months with valid identification or a passport to complete in-person verification.
  • Preparing for Spanish tax compliance (not a public CaixaBank product document checklist): Prepare a complete, accurate residential address, all tax-residence jurisdictions, and the corresponding tax identification numbers so the financial institution can obtain a CRS tax-residency self-certification. The bank will confirm the specific forms of tax number and proof of address it accepts.

Company eligibility and documents

Business/sole proprietor: CaixaBank’s website provides a “Cuenta digital” account-opening page for businesses/sole proprietors. The product’s legal information identifies CaixaBank, S.A. as the account provider, with NIF A08663619 and Banco de España registration number 2100 (s4). The public page does not specify whether foreign-registered companies, legal entities that are not Spanish tax residents, companies with foreign shareholders, or businesses in specific industries may apply, nor does it publish the bank’s complete business account eligibility rules. The bank must confirm these matters in writing for the specific place of registration, business and signing authority. Do not treat sole proprietor account information as a guarantee that a foreign legal entity will be accepted.

Company information publicly disclosed or identified

  • The bank’s published business account opening page does not provide a verifiable, complete fixed document list and does not confirm eligibility for foreign legal entities. Obtain from the bank a written list applicable to the company’s jurisdiction of incorporation and product.
  • General compliance preparation suggestion (not a policy published by CaixaBank): Company registration/existence documents, articles of association or organizational documents, the tax number and registered address in the company’s place of registration, operating address, and a business description.
  • General compliance preparation suggestion (not a policy published by CaixaBank): Identification for signatories, authorization/board resolutions, and ownership and control chain and ultimate beneficial owner information; the bank may require additional documents based on risk and structure. SEPBLAC states that regulated entities must identify customers and beneficial owners and understand the purpose and nature of the business relationship (s5).
  • General compliance preparation suggestion (not a policy published by CaixaBank): An explanation of the company’s and controllers’ source of funds/source of wealth, supporting statements or financial records, and tax residency self-certifications and relevant tax numbers for the company and controllers. Confirm with the bank what proof, certification, translation, or notarization is required.

Address, tax, and remote / witnessed procedures

Address and tax

HolaBank’s official non-resident page requires the applicant’s name and address but does not specify in the excerpted page which types of proof of address are acceptable. Spain’s AEAT states that an individual generally needs a DNI/NIE to carry out transactions with tax implications. A foreign individual without an NIE who is involved in a tax-related transaction may apply to AEAT for an individual NIF (s8). For CRS account due diligence, AEAT states that financial institutions must collect tax-residence self-certification from account holders and, where applicable, controlling persons, including the tax-residence jurisdiction, the TIN issued by that jurisdiction and full address. A non-resident’s TIN should be the number issued by their tax-residence jurisdiction; a Spanish NIF should not be mistaken for their foreign TIN (s6). The non-resident HolaBank page does not state that all applicants must already have a Spanish NIE. Requirements for Spanish NIFs, registered-address proof and tax identification numbers for foreign companies must be confirmed with the bank based on the entity and account type. Tax-residence status must be declared truthfully.

Remote / witnessing

HolaBank’s public non-resident account page supports online video identity verification, but eligibility is limited to the listed country/nationality combinations. After signing the contract, applicants must still visit a branch in Spain within 6 months to complete identity verification/visit; the account remains restricted if they do not. The page does not state that third-party witnesses or remote notarized witnessing are accepted, or that video account opening is available to applicants worldwide. An online account for Spanish residents also describes video identity verification, but this does not support inferring that non-residents can complete all account-opening steps without visiting a branch.

Public process reference

  1. Non-resident individuals: verify that your nationality and country of residence match a combination listed on the HolaBank page, and prepare your name, address, identity document/passport and, where applicable by country and occupational category, proof of income or employment. If you are outside the published scope, first obtain written confirmation from the bank that it will accept your application (s1).
  2. Select the Spanish branch/region where you intend to open the account, enter your personal and income details, and complete video identity verification as instructed on the page.
  3. Read and sign the contract; the bank’s page states that there is a 14-day cancellation period after signing. Then follow the instructions in the bank’s email/page to complete the next steps.
  4. Within 6 months of signing the contract, appear in person at the designated branch in Spain with valid identification or a passport; until this is completed, the website states that international transfers are unavailable, and cash deposits using an activation code and PIN are limited to 600 euros per month; after the deadline, further restrictions will apply to the account (s1).
  5. Businesses: The public pages do not adequately disclose the full process, documents, approval criteria, or remote signing/witnessing arrangements for overseas companies. The company should request from CaixaBank's business channel a process and written checklist tailored to the entity and product.

Compliance topics, details, and sources

Spanish AML/KYC and ongoing due diligence

Applicable Spanish Anti-Money Laundering and Counter-Terrorist Financing Act and its risk-tiering rules. SEPBLAC states that regulated entities must identify individuals or legal entities seeking to establish a business relationship, verify their identity, and continuously understand and review the purpose, nature, and transactions of the relationship. Simplified or enhanced measures depend on risk. CaixaBank HolaBank also requires proof of income/employment depending on the country, but the bank’s specific risk thresholds and supplementary-document policies have not been published. Applicants should cooperate truthfully and should not treat the document list as a guarantee of approval (s1、s5).

Source:HolaBank account in Spain for non-residents — CaixaBank ；Diligencia debida — Sepblac

Corporate beneficial owners, controllers and source of funds

According to SEPBLAC guidance, obligated entities in Spain must identify the beneficial owner and take appropriate steps to verify their identity, understand the purpose and nature of the business relationship, and conduct ongoing reviews. Requirements for non-resident products vary by country/occupation for proof of income or employment. Public materials do not provide a single fixed checklist of additional UBO, source-of-wealth, and source-of-funds evidence for companies or complex ownership structures; the bank will confirm requirements case by case and according to risk (s1, s5).

Source:HolaBank account in Spain for non-residents — CaixaBank ；Diligencia debida — Sepblac

CRS/DAC2 Tax Residency Identification and Reporting

Spain’s AEAT official guide to Modelo 289 states that financial institutions must obtain a tax-residency self-certification for new accounts, obtain the tax-residence jurisdiction and corresponding issued TIN of the account holder/any applicable controlling person, and check the information’s reasonableness; reportable accounts are subject to cross-border tax-information reporting as prescribed. This obligation does not mean that every account holder will necessarily be reported. Whether an account is reportable depends on actual tax residence and the applicable rules (s6）。

Source:Preguntas frecuentes del modelo 289 — Agencia Estatal de Administración Tributaria

FATCA U.S. account compliance (separate from CRS)

AEAT explains that Spanish financial institutions are subject to the Spain–US FATCA intergovernmental agreement and Modelo 290 reporting rules for specific US accounts identified through due diligence. The US is not a CRS participating jurisdiction; this describes only the FATCA regime for Spanish financial institutions and does not mean that the US has joined CRS or that CaixaBank has disclosed its internal determination standards (s7).

Source:Preguntas frecuentes del modelo 290 — Agencia Estatal de Administración Tributaria

EU financial restrictive measures and sanctions

Spain is an EU member state. The Council of the European Union explains that EU restrictive measures may apply to individuals and entities and can include asset freezes, prohibitions on making funds available to sanctioned persons, and restrictions in the financial sector. Whether they apply to a customer, beneficial owner, counterparty, or transaction must be determined under the applicable legal measures. This public source does not disclose CaixaBank’s internal screening systems or case outcomes (s9）。

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

Deposit protection

CaixaBank’s official personal account page states that the bank participates in Spain’s deposit guarantee fund for credit institutions and shows coverage of up to 100,000 euros per depositor. Actual applicability remains subject to legal rules, depositor eligibility, and product type (s1).

Source:HolaBank account in Spain for non-residents — CaixaBank

Account Opening Compliance Information

Account Opening Compliance and Document Preparation Guide

This page lists separately the requirements published by the bank, local regulations, and document preparation suggestions. Acceptance and specific requirements are subject to confirmation by the bank.

This supplement focuses on CaixaBank, S.A.’s publicly described HolaBank non-resident personal account arrangements and Spanish due diligence rules. The bank’s website confirms only that applicants with the listed nationality and residence combinations may apply; it does not confirm any specific individual case, residents of other countries, or account opening for foreign companies. The business documents are preparation suggestions only; confirm with the bank which account and handling entity apply.

Date information checked:2026-10-26

Document Preparation Checklist

Personal identity, place of residence and proof of income

Who it applies to
For non-resident individuals intending to apply for HolaBank only; applies solely to the combinations of nationality and residence published on the bank’s website.
Documents to Prepare
  • The bank expressly states that applicants need their name, address, and identity document or passport; prepare a valid original document that is clearly legible for video verification.
  • The bank expressly requires proof of income or employment based on the country of residence and occupational category. Consider preparing an employer/occupation statement and existing proof of income. Confirm which documents are accepted against the bank’s list for the relevant country.
  • General preparation suggestion: Prepare current residential address and each tax-residency jurisdiction and corresponding tax number to complete a tax-residency self-certification. This is not a complete account-opening document checklist published by the bank.
Description
The bank’s website does not specify acceptable types of proof of address, the validity period of income documents, or whether originals, certified copies, or translations are required. The country and occupation classification documents linked on the website could not be fully accessed for this review. Suggested documents must not be misrepresented as CaixaBank’s mandatory checklist.

Source:HolaBank account in Spain for non-residents — CaixaBank；Frequently Asked Questions about Form 289: Due diligence obligations — Agencia Tributaria

Corporate entity, signing authority and control chain

Who it applies to
Preparation suggestions for an overseas company or other legal entity considering a CaixaBank business account; public information does not confirm that such entities can open an account.
Documents to Prepare
  • You may prepare company registration/good-standing extracts, organizational documents, and information on the place of registration and business address to explain the legal entity's identity and business location.
  • You may prepare signatories' identification documents and board resolutions, powers of attorney, or other documents demonstrating their authority to sign.
  • You may prepare an ownership/control structure chart from direct shareholders to ultimate natural-person controllers and retain registration documents for each corporate tier. If the structure includes control by agreement or nominee ownership, prepare relevant explanations and documents.
Description
The above is a document preparation recommendation based on Spanish customer identification and beneficial owner rules, not a company account document requirement published by CaixaBank. Notarization, apostille/consular legalization, translation language and validity, foreign entity eligibility, and product details are not published; obtain a written list from the bank first.

Source:Diligencia debida — Sepblac；Ley 10/2010, de 28 de abril — Boletín Oficial del Estado

Genuine business, source of funds and tax self-certification

Who it applies to
May be prepared by individual and corporate applicants; companies and their controlling persons must also provide applicable information based on their actual tax status.
Documents to Prepare
  • You may prepare a one-page explanation of the business/account purpose, listing key customers, suppliers, transaction countries, expected types of payments and receipts, and connections with Spain, to explain the account's purpose and anticipated transactions.
  • Select traceable evidence based on the actual source of funds, such as salary/business income records, contracts or invoices, financial statements, asset sale or investment distribution documents, and corresponding deposit records. This is a recommendation for responding to follow-up inquiries and does not mean that the bank has a fixed requirement for every item listed.
  • A new account tax self-certification should truthfully list the tax residence jurisdictions, TINs issued by each jurisdiction, and full address. For a corporate account classified as a relevant passive non-financial entity, the bank may need to identify controlling persons and determine their tax residence.
Description
AEAT explains that financial institutions must obtain and verify tax-residency self-certifications; do not mistake a Spanish NIF for a TIN issued by a foreign tax-residence jurisdiction. The bank has not published a list of source-of-funds documents or transaction expectation thresholds for general customers.

Source:Diligencia debida — Sepblac；Frequently Asked Questions about Form 289: Due diligence obligations — Agencia Tributaria

Due diligence and enhanced verification

Beneficial owners and controllers

Basis for Verification
Spain’s Law No. 10/2010 requires obliged entities to identify the beneficial owner and take appropriate measures to verify their identity before establishing a business relationship. For a legal entity, a natural person who ultimately directly or indirectly holds or controls more than 25% of the capital or voting rights, or exercises control by other means, falls within the statutory identification scope. This threshold must not be generalized as a rule for all countries.
Preparation recommendation
Prepare the complete ownership chain, registration documents for each tier, shareholding/voting-right percentages and an explanation of control arrangements. Ensure that the company registration details, application form and proof of identity for the actual controllers are consistent. If no natural person meets the applicable ownership threshold, explain any other means of control and confirm with the bank what fallback identification requirements apply.
Scope
Spanish legal requirement; not a specific format or supplementary-document checklist publicly issued by CaixaBank for all accounts.

Source:Ley 10/2010, de 28 de abril — Boletín Oficial del Estado

Politically exposed persons and source of wealth/funds

Basis for Verification
Spanish law requires risk-management measures to identify politically exposed persons and persons legally associated with them. In relevant cases, enhanced measures must be taken, including appropriate determination of source of wealth and funds, approval by at least the corresponding level of management, and enhanced ongoing monitoring of the business relationship. PEP status does not itself mean that a person is subject to sanctions, and public legal provisions do not establish that CaixaBank will necessarily accept or reject any particular case.
Preparation recommendation
If you, an ultimate beneficial owner, or a related person is involved in public office, prepare an accurate account of the position/term of office and relationship. Organize supporting documents according to the actual source of funds, such as salary, asset sale, dividends, inheritance, or other support, and prepare statements that can trace the funds to the incoming payment. These are preparation suggestions; the bank may request different evidence depending on the case.
Scope
Risk-based enhanced measures required under Spanish law; specific review levels, document formats, and risk acceptance criteria have not been published.

Source:Ley 10/2010, de 28 de abril — Boletín Oficial del Estado

Business purpose, transaction profile and risk classification

Basis for Verification
SEPBLAC states that regulated entities such as banks must understand the customer and the purpose and nature of the expected business relationship, and continuously review transactions. Enhanced due diligence applies in circumstances prescribed by law or regulation and to higher-risk customers, businesses, products, channels or transactions. Its public guidance does not disclose CaixaBank’s risk scoring, industry limits or internal rejection criteria.
Preparation recommendation
Clearly explain the account’s purpose, expected receipts and payments, main counterparties and cross-border countries; representative contracts/invoices, business information and a flow-of-funds diagram may be prepared to explain how the transaction scale or regions relate to the business model. If the business, main transaction countries or source of funds changes, prepare an updated explanation promptly.
Scope
Local AML obligations and general preparation advice; not a bank-published standard income threshold or transaction limit.

Source:Diligencia debida — Sepblac

Cross-Border Tax Residence and CRS/DAC2 Self-Certification

Basis for Verification
AEAT's guidance on Spanish Modelo 289 due diligence requires financial institutions to obtain a valid tax-residency self-certification when opening new individual and entity accounts, and assess its reasonableness against AML/KYC information obtained at account opening. The self-certification includes the full name/entity name, full address, tax-residence jurisdiction and issued TINs; in principle, it remains valid until a change in circumstances affects the information. If the financial institution knows or has reason to believe the original certification is inaccurate, it must obtain a valid new one.
Preparation recommendation
Based on the facts, identify all tax-residence jurisdictions and the tax identification numbers for each. If a jurisdiction does not issue a TIN, prepare documents explaining why; do not use a passport number as a substitute without confirmation. Notify the bank promptly after a change in residence, tax-residence status, or entity control structure, and resubmit self-certifications as required.
Scope
Spanish tax information reporting due diligence rules; CRS reporting and account approval are separate matters. Whether reporting is required depends on the applicable rules and the customer’s circumstances.

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

Ongoing Compliance Requirements After Account Opening

Ongoing AML review and supplementary inquiries

Spanish rules require ongoing understanding of the expected business purpose and review of transactions throughout the relationship. Customers should retain records that help explain transactions, such as contracts, invoices, salary/business income records, and relevant account statements. If transactions differ significantly from what was originally explained, customers should be able to explain why and provide documents as requested by the bank. CaixaBank has not published its periodic review frequency, trigger criteria, or specific response deadlines; no fixed timeframe is promised.

Source:Diligencia debida — Sepblac

Changes in information and consistency of account records

The bank’s website does not publish a standard update cycle for general KYC information. As a prudent preparation measure, if your address, contact details, signing authority, ownership/controller information, actual business, or source of funds changes, proactively ask the bank how to update its records and keep a record of what you submit. This is customer-maintenance advice and should not be misrepresented as a published contractual term of the bank.

Source:Diligencia debida — Sepblac

Update Tax Residency Self-Certification

AEAT explains that a self-certification generally remains valid unless circumstances affecting the information change. If a change makes the financial institution aware, or gives it reason to believe, that the original certification is incorrect or unreliable, it must obtain a new certification. Applicants should promptly report changes and resubmit information as requested by the bank.

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

Please confirm with the bank before booking

  1. If the applicant's nationality, current place of residence, and tax residence do not fully align, are they within HolaBank's current acceptance scope?
  2. Based on the applicant’s country of residence and occupation, which income/employment documents, proof of address, and document dates are accepted? Are originals, notarisation, legalisation, or translations into a specific language required?
  3. Does CaixaBank, S.A. accept foreign legal entities incorporated in this jurisdiction and operating in this business sector? If applications are accepted, which business account product and application channel should be used?
  4. For a corporate ownership chain, control agreement, or structure with no single shareholder holding more than 25%, what beneficial-owner and controller information must be provided?
  5. Given the applicant's business purpose and source of funds, which documents can explain the expected flow of funds? How should transaction or KYC-change documents be submitted after account opening?
  6. Please provide the complete fee documents, expected processing steps, and timeframes before signing, and confirm whether this applicant must visit a branch in Spain and when full functionality may be available.

Not confirmed by public information

  • The bank’s published eligibility for personal HolaBank accounts is limited to the nationality and country-of-residence combinations listed on the page. Eligibility for individual circumstances, countries not listed or combinations of tax residences must be confirmed.
  • No public confirmation has been found from CaixaBank regarding eligibility for foreign legal entities, a complete corporate document list, certification/translation rules for ownership documents, or application processing times.
  • CaixaBank’s internal risk appetite, case-by-case PEP assessments, industry/country risk limits, thresholds for additional source-of-funds documents, and ongoing review cycle have not been published.
  • The bank page does not clearly specify the format of proof of address, the validity period for income documents, or fully readable requirements for country- and occupation-specific attachments; obtain the applicable checklist and fee documents before signing.

Sources & Scope of Verification

  1. HolaBank account in Spain for non-residents — CaixaBank

    I reviewed CaixaBank’s official non-resident account opening page, which specifies identity documents/passport, name and address, income or employment evidence by country and occupational category, eligible nationalities/countries of residence, video identity verification, and in-person steps. It does not provide a company account checklist or all document format requirements.

  2. Diligencia debida — Sepblac

    I reviewed the Spanish anti-money laundering authority’s page, which explains identification and verification of customers and beneficial owners, the purpose/nature of business relationships and ongoing review, and the application of simplified or enhanced due diligence according to risk. It does not disclose CaixaBank’s internal policies.

  3. Ley 10/2010, de 28 de abril — Boletín Oficial del Estado

    I reviewed the official Spanish legislation and checked the requirements for customer identification and beneficial owners; the applicable definition for legal entities based on more than 25% of capital/voting rights or other control; and PEP-related risk identification, management authorization, determining source of wealth and funds, and enhanced ongoing monitoring. These thresholds are stated only as provided under Spanish law.

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

    I reviewed the Spanish Tax Agency’s official CRS/Modelo 289 guidance, covering tax residency self-certification, TIN and address fields for new individual and entity accounts, reasonableness checks, updates following changes in circumstances, and due diligence on entity controlling persons where applicable.

Fees and timelines

The non-resident HolaBank webpage provides a link to a fee information document, but the page body reviewed here does not disclose all exact account fees. The account opening fee, maintenance fee, minimum deposit, and international transfer fees for this non-resident account could not be confirmed from the page; consult the fee document before signing. The page states that the card issuance and maintenance fees are zero, but the card is subject to approval by CaixaBank Payments & Consumer; card terms must not be extrapolated to account fees. There is a cancellation period of 14 days after signing. Within 6 months of signing, the customer must visit a branch in Spain; until this is done, international transfers are unavailable and cash deposits are limited to 600 euros per month. The 600 euros refers only to the cash deposit limit during this period, not a balance or deposit protection limit (s1).

Limitations and practical considerations

  • The publicly available HolaBank online service for non-residents is limited to the combinations of nationalities and countries of residence listed on the official website; acceptance of other country/nationality combinations and individual cases involving sanctions or high-risk jurisdictions, occupation, source of funds, and other factors must be confirmed with the bank in writing.
  • Online account opening for non-residents is not a fully remote process: you must visit a branch in Spain within 6 months after signing. Until this is completed, the account is subject to restrictions on international transfers and cash deposits; further restrictions apply if the deadline is missed.
  • CaixaBank’s public corporate account opening page does not establish that foreign-incorporated companies or non-resident legal entities may all apply, nor does it publish complete corporate documentation or approval criteria. Do not make eligibility promises on this basis.
  • The above is information from public bank webpages and regulatory materials. It does not represent an account opening channel for which Rengangyongsheng (Hong Kong) Limited can currently arrange appointments or act as an agent, nor does it guarantee that a bank will accept an application, open an account, or offer a service to a specific customer.

Licensing evidence and regulatory verification

Banco de España’s list of Spanish monetary financial institutions as of 2026-10-23 specifically lists “Caixabank, S.A.” as an “Entidad de crédito,” at Cl Pintor Sorolla 2-4, 46002 Valencia, with code 2100 and LEI 7CUNS533WID6K7DGFI87 (s2). CaixaBank’s official account-opening product legal information also states that CaixaBank, S.A. is registered in Banco de España’s Special Administrative Register under number 2100 (s4). Banco de España’s registration portal states that the official register can be used to confirm which entities may legally operate and their financial activities, and provides current and historical information (s3). Thus, the specific banking entity and its latest publicly available classification record have been verified, but CaixaBank’s individual entry in the online official register or a certified extract was not accessed. This file alone cannot support a further assertion that its live license status has been formally verified; the current authorization scope and status must be confirmed in that register.

Banco de España (the Bank of Spain; this file verifies the entity’s identity based on its publicly available classification record and does not include an individual certified extract from the bank’s live official register) Official registration or record

Information sources

  1. HolaBank account in Spain for non-residents — CaixaBank

    CaixaBank publishes information on its non-resident HolaBank account, limited combinations of nationality/country of residence, name and address and identity document/passport, income or employment evidence that varies by country and occupation, video identity verification, designated branches, a requirement to visit within 6 months after signing, limits on international transfers before the visit and monthly cash deposits of 600 euros, a 14-day cancellation period, card approval, and Spanish deposit guarantee information.

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

    Banco de España’s page is dated 2026-10-23 and specifically lists Caixabank, S.A., category Entidad de crédito, at Cl Pintor Sorolla 2-4, 46002 Valencia, with LEI 7CUNS533WID6K7DGFI87 and code 2100. This source is an entity classification list, not a certified extract from the official register obtained in this review.

  3. Registros de entidades — Banco de España

    Banco de España states that its online register of institutions is used to confirm which entities may legally operate and their financial activities, and that records include current and historical information. This source establishes the function of the official register and provides a search entry point only; it does not by itself establish CaixaBank’s specific live record.

  4. Abrir cuenta para autónomos y empresas — CaixaBank

    The legal information on CaixaBank’s business/self-employed account page states that the account is provided by CaixaBank, S.A. (NIF A08663619) and discloses Banco de España special administrative registration number 2100. The webpage does not publish complete eligibility criteria or fixed account-opening documentation for foreign legal entities.

  5. Diligencia debida — Sepblac

    Spain’s anti-money laundering authority explains that obliged entities must identify customers, identify and verify beneficial owners, understand the purpose and nature of business relationships, and conduct ongoing reviews. Due diligence is risk-based, and remote identity verification must use authorized secure procedures.

  6. Preguntas frecuentes del modelo 289 — Agencia Estatal de Administración Tributaria

    AEAT's official information on CRS/DAC2 covers tax-residency self-certification for accounts, the tax jurisdictions of account holders/controlling persons, TINs issued by those jurisdictions, full addresses and reportable account information; it also notes that a foreign tax jurisdiction's TIN differs from the NIF issued by the Spanish tax authority.

  7. Preguntas frecuentes del modelo 290 — Agencia Estatal de Administración Tributaria

    AEAT explains that Spanish financial institutions are subject to the Spain–US FATCA intergovernmental agreement and Modelo 290, and must report applicable US accounts identified through due diligence; this supports treating FATCA and CRS separately.

  8. NIF Persona física — Agencia Estatal de Administración Tributaria

    AEAT explains that individuals, regardless of nationality or place of residence, generally need an NIF for transactions with tax implications (usually corresponding to a DNI or NIE); foreign individuals without a DNI/NIE may apply to the tax authority for an NIF if they meet the relevant conditions.

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

    The Council of the European Union explains that EU sanctions may target individuals and entities, and financial restrictions may include asset freezes, prohibitions on making funds available to sanctioned persons, and sectoral financial restrictions. It does not describe CaixaBank’s internal screening system.