Banking in Spain
By Linus Palmqvist, Head of Operations Reviewed by Simon Nilsson Last reviewed ING is not a newcomer solution: Cuenta NoCuenta excludes the before-arrival and just-landed stages. Once you are a settled resident, it has a quick application, virtual card and no maintenance fee.
A resident-only option worth considering after you are settled, not an option to use while planning your arrival.
Choose between independent help with your move or checking ING's current process directly.
Settlewell helps you understand your whole move to Spain, including how banking fits alongside home services. We do not open or arrange a bank account on your behalf.
Bank fit changes depending on where you are in the move. Check each stage before treating a bank as a good option.
ING is not a practical pre-arrival option.
Cuenta NoCuenta explicitly does not accept a paper NIE for this stage.
ING accepts a Spanish DNI, EU passport plus CUE, or non-EU TIE.
ING Spain is a Spanish bank; the researched eligibility issue is its resident-only onboarding rather than an IBAN limitation.
ING advertised no maintenance fee as of 11 July 2026; an optional physical card was €5. Check current terms directly.
Match the option to your current stage, then confirm the live bank requirements before submitting an application.
Do not apply before arrival or with only a paper NIE.
ING accepts Spanish DNI, EU passport plus CUE, or a non-EU TIE.
A virtual card is available immediately; the physical card was optional for €5 in the reviewed terms.
ING does not publicly confirm English contract availability; the reviewed iOS listing showed Spanish as the app language.
ING does not publicly confirm that contracts are available in English. Ask the bank directly.
The reviewed iOS app listing showed Spanish as the app language.
The right option can change as you move from planning your arrival to living in Spain.
Still have questions?
Start with the stage you are at, then compare the practical options for your move to Spain in English.
Compare banking optionsWritten by
Head of Operations at Settlewell
Linus moved from Sweden to Málaga in 2021 and set his own home up here, so most of this he has already done the hard way once. Before Settlewell he spent years at Workwide, the cross-border recruiter that has helped over 10,000 people into jobs abroad, latterly as its Head of Recruitment and Operations. He speaks Spanish, lives in Málaga with his partner, and spends his days on the phone to Spanish providers.
This page is based on ING's official information and is independent: Settlewell has no commercial relationship with ING. Every claim on this page traces to a dated, sourced fact: a bank statement, an official term, or regulator guidance. Never a guess or a commercial preference. Where public information does not answer a question, this page says so plainly instead of filling the gap. Check live terms with the bank before applying.
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