- Spanish account not specified as a condition of delivery No lucrativa, DNV, or study: in Real Decreto 1155/2024 and Ley 14/2013, we did not find such a requirement. [1][2].
- For no lucrativa The amount of 400 per cent of the IPREM per month is required for the applicant and 100 per cent for each family member for the duration of the permit. [1].
- For study The amount of 100 per cent of IPREM per month is required plus 75 per cent for the first family member and 50 per cent for each of the following; including scholarships, work contracts and sponsorship of the training centre (art. 35) [1].
- For DNV The amount of the claim for the claimant at 01.10.2026: 2,849 I per month (34,188 I per year), is separately calculated. [2].
- It's almost necessary later: RETA autono is paid by the domicile in an organization authorized to accept payments from Seguidad Social [3].
Do you need a Spanish account to apply for a residence permit?
No. Ley 14/2013 (on support to entrepreneurs with DNV) and Real Decreto 1155/2024 (Reglamento de extranjeria) did not open an account at the Spanish bank: we checked the BOE on key statements about the bank account and found no such condition. [1][2]The requirements for funds are formulated as proof of sufficient funds or income, and the method of proof is not limited to one bank.
For no lucrativ, article 62.3 Real Decreto 1155/2024 states that the availability of funds can be proved by any means permitted by law, including ownership rights, certified cheques, bank confirmation cards, and for foreign accounts, additional identification of the bank and its address, full account identifier, opening date, balance as at 31 December of the previous year and average balance for the last year Year [1].
As the funds support on the basis of the
| Basis | What they say | Spanish account by law | Norma |
|---|---|---|---|
| No lucrativa | 40% IPREM per month per applicant, 100% per family member, for the duration of the permit | Not required, foreign accounts allowed | Real Decreto 1155/2024, art. 62 [1] |
| Studies | 100% IPREM per month, 75% for the first family member, 50% for each next family member; no education costs | Not required | Art. 35.1.h [1] |
| DNV | Work for a company outside Spain (real activity of the company for at least a year, relationship for at least 3 months), income of 2,849 Ia per month | Not required | Ley 14/2013, art. 74 ter [2] |
IPREM (Indicador Público de Renta de Efectos Múltiples) changes, take its value from the official source at the date of delivery. How do you count no lucrativa more detailed: funds for no lucrativaDNV income calculation: DNV income in 2026Which revenue documents are accepted by UGE: Income confirmation for UGE.
When will the Spanish account be needed in practice?
The law does not require an account at the filing stage, but once authorized, it is usually necessary. [3]. Freelancer on DNV is also autónomo: DNV or autonomo.
The rest depends on your life: rent, utilities, wages and daily payments are more convenient with Spanish IBAN. How to pay the modelo duty 790.
What to do before delivery if Spanish account is not available
- Set the basis and calculate the required amount for IPREM or DNV income at the date of delivery.
- Collect confirmations from your accounts: name and address of the bank, full account number, opening date, balance at 31 December last year and average balance for the last year (no lucrativa) [1].
- Check that the owner's name, currency and dates are not contradictory.
- See if you need translations and apostilles for bank statements: Do you need apostille?.
- Open a Spanish account after you move when you have TIE and NIE. Opening of an account at the Spanish bank.
Which depends on your case.
The authority may request additional documents (requerimiento): How to Answer UGE RequestWhat evidence is sufficient for your application depends on the basis, composition of the family and documents: it is a question for a lawyer or a guest. No lucrativa route sheet, DNV route sheet and Training route; general scheme: Residence permit in Barcelona.
Frequent issues
Do you need a Spanish account to apply for a residence permit no lucrativa?
Do you need a Spanish account for DNV?
Do you need a Spanish visa bill?
When do I need a Spanish account after I get a residence permit?
Can you confirm the funds from a foreign bank?
Based on source
- BOE · Real Decreto 1155/2024 (Reglamento de extranjería), artículos 35, 53, 61 y 62 ↗
- BOE · Ley 14/2013, artículos 62 y 74 bis - 74 quinquies (teletrabajo de carácter internacional) ↗
- BOE · Real Decreto 322/2024, disposición adicional octava del Reglamento General de Recaudación de la Seguridad Social ↗
Sources are viewed on 02.10.2026. Consolidated texts and departmental reference pages are informative: legal application takes into account official publications, changes and specific circumstances. Material has not been personally checked by counsel.
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The source is viewed on 02.10.2026 · NEXO · Drafting Draft · Sources do not replace individual legal advice.