How to open a bank account and have a credit card or debit

If you plan to stay in Spain for more than six months will probably need to open a bank account. In Spain there are two types of bank accounts for foreign bank accounts for residents and for non-residents.

Non-residents must present their passport or a valid ID in their country of origin (the license may not be accepted according to the bank). Moreover, in the 15 days following the opening of the account, you should confirm your status of non-residents presenting a no-certificado de residencia. You can ottenerelo at any local police station. Then, every two years, the bank should issue a report on your situation of non-residents. If diveniatate residents will need to logically do this to the bank and provide a copy of your proof of residence.

In fact, many banks do not require the certificado not live. If I had a request, we recommend that you go to one of its branches or switch banks to avoid the inconvenience.
Rates & Services

As for tariffs and services, accounts for non-residents are virtually identical to those for residents. The only difference might be that the bank is not prepared to issue a credit card or to cover your expenses. If a bank is willing to make you pay significantly higher rates given the state of your non-residents, we recommend that you negotiate with another.

One last piece of advice about opening bank accounts: If you made the initial deposit in foreign currency, be sure to ask that this be immediately converted to euros (we have heard of cases where this has become a problem). For this the bank should not ask more of the usual committee for exchange of currency.

FIBANC-MEDIOLANUM

The Bank FIBANC / MEDIOLANUM offers at the moment an ideal product for the Italians in Spain, "CUENTA SINGLE", an account that allows transfers to and from Italy at no cost and collecting checks without commission. This Italian-Spanish bank has no branches, but uses the figure of Consultor Financiero Personal, applying the philosophy of the bank at home. Among the advantages of the current account there are other totally free services such as credit card Visa Electron for levies in the network of cash machines ServiRed, which are the most capillaries in the Iberian peninsula, consultation online movements and an unlimited number of SMS messages Free that is sent to score every time you make a transaction account or access your application online. Customers of the bank also can call a toll-free 900 active 24 hours for any type of consultation. For the operations stop, especially payments in cash or by check, you can use any branch of the bank BANESTO present in virtually every country or city in Spain.
If you have established in the central area of Spain and want to open an account in FIBANC calls 647460332 or write a personal adviser will visit you and make you aware of all banking and insurance services available.

If you want to learn more visit the site FIBANC-MEDIOLANUM