So … now that we had decided which cave house we wanted to buy, the next step was for us to sort out about opening a Spanish Bank Account.
I have to say that the entire process of opening a Spanish bank account was both easy and literally over in a matter of minutes, although that was largely thanks to Sean who made the arrangements, accompanied us and interpreted on our behalf.
What do you need when opening a Spanish Bank account ?
All you need to initially open an account is your passport and a recent payslip. That sounds simple enough in principle, however, for us there was a potential problem as the Turks and Caicos Islands (where we now live and work) is on the ‘grey list’ with the banks of Spain.
As we own a property in the UK we have to submit an annual tax return and this turned out to be sufficient proof in leu of a payslip.
Arriving at the branch of the Caja Rural de Granada I filled out a couple of forms, signed appropriately and bingo the account was opened. The whole process of opening a Spanish bank account took less than half an hour. I was asked to return in a week to collect our bank card.
Whilst there we were issued with our internet banking details (user name and password). The Caja Rural seem to have a very good internet banking service with an English option for those of us still learning the lingo. To access your account you simply enter your user number, NIE tax number (or passport number if you don’t yet have your NIE number) and your password.
I did a test run on the account and successfully transferred (and more importantly received) a nominal sum from our UK bank account.
The following week I returned to the branch and managed to speak enough Spanish to explain that I had an account and was here to find out if our bank card was ready for collection. It was, and hey presto we had a Spanish bank account, a bank card and most importantly internet banking access at our fingertips !
The Caja Rural are obviously not the only bank in this part of Andalucia, they do however have a very good presence in the region, with a branch in almost all the surrounding towns and villages.
So there you have it … all the steps involved in us opening Spanish Bank account.
So … Who are one foot in the cave ?
We (Danny and Josie) have spent the last 10 years living and working in the Caribbean. In 2015 we decided we wanted to move closer to family and friends so bought a cave house in the Granada region of Andalucia, Spain. We moved there full time in January 2017. Now we write about our experiences of cave living and how we are adapting to life in Spain.
We also have a Facebook page full of pictures, experiences and information that we have found useful along the way. If its your thing, you can also follow us on Instagram 🙂
5 words related to this blog entry …
Bank – El Banco
Account – La Cuenta
Signature – La Fecha
Debit Card – La Tarjeta de Débito
Passport – El Pasaporte