Money & Banking
Banking
bunq
I just arrived in Spain and need a bank account, but I don't have a NIE yet.
A digital bank that lets you open a Spanish IBAN account without a NIE or TIE for the first 90 days.
Why it rocks
- ✓The only major neobank that doesn't need a NIE or TIE at sign-up.
- ✓Three free sub-accounts to split spending, savings and bills.
- ✓Bizum supported on paid plans, the way Spain pays.
- ✓Useful from the moment you land.
Heads up
- ✗Bizum needs a paid plan (Core or above), not the free tier.
- ✗The free plan caps no-fee foreign spending at €1,000/year.
Cost: Free entry tier; full plans from €4.99/month