By Erika Davila · Client Manager at moveWise · Last updated: 30 October 2026

💡 The short answer: You do not need a Spanish bank account to apply for Spain's Digital Nomad Visa. You need an account in your own name that receives your salary or client payments and whose bank can certify three months of statements, with each payment marked. After approval, a Spanish (or at least SEPA) account becomes practical, and for self-employed workers almost unavoidable, because Social Security contributions are paid by direct debit.

Key facts for 2026

• No Spanish account is required to apply: the UGE-CE accepts bank certificates from Spanish or foreign institutions, in the applicant's name and stamped or signed by the bank.
• The income evidence covers the three months before you apply: payslips or invoices plus the matching bank certificate, with each payment marked separately.
• The income threshold is 200% of Spain's minimum wage (SMI). The 2026 SMI is €1,221 a month in 14 payments, or €17,094 a year (Real Decreto 126/2026).
• Within the EU, a business or public body cannot refuse your euro payments or direct debits just because your IBAN is from another EU country.
• Self-employed workers (autónomos) must pay Social Security contributions by direct debit from an account at an authorised collecting institution.
• Anyone legally resident in the EU has the right to a basic payment account at a Spanish bank, subject to limited grounds for refusal.
• Since 9 October 2025, euro transfers come with a free Verification of Payee check of the name behind the IBAN.
• Once you are tax resident, foreign accounts above €50,000 may trigger the Modelo 720 informative return.

This guide is for non-EU remote workers, employees and freelancers who are applying for, or have just received, the Spanish Digital Nomad Visa, with a short section on Italy and Portugal. It explains which account you need at each stage, not which brand to choose.

By the end you will know how to set up the account that proves your income, when to open a Spanish account, what each bank will ask you for, and which payments in Spain really require a local IBAN.

We prepare digital nomad applications every week, including the payment summaries and bank certificates that the Unidad de Grandes Empresas y Colectivos Estratégicos (UGE-CE) reviews. If you want the full process, start with our Spain Digital Nomad Visa service.

The main pitfall is not the choice of bank. It is changing accounts, or receiving money through the wrong account, during the three months that your application has to prove.

In this guide:

• What changed in 2026
• Is this guide right for you?
• The three bank accounts a digital nomad in Spain actually needs
• Proving your income for the Spain Digital Nomad Visa
• Fintech, multi-currency and e-money accounts: what they can and cannot do
• Opening a Spanish bank account as a non-resident
• Opening a resident bank account after approval
• Why a Spanish or SEPA IBAN matters once you live in Spain
• Keeping your home-country account
• Reporting foreign accounts once you are tax resident
• Banking in Italy and Portugal
• How to set up your banking, step by step
• Timeline: what to realistically expect
• How much it costs
• Most common mistakes (and how to avoid them)
• Frequently asked questions
• How MoveWise can help

What changed in 2026

Two changes matter for banking, and neither is a new rule on bank accounts for non-residents. We found no banking-specific change for foreign residents in 2026.

The first is the new minimum wage. Real Decreto 126/2026, published on 19 February 2026 with effect from 1 January 2026, sets the SMI at €1,221 a month, with an annual minimum of €17,094. Because the Digital Nomad Visa threshold is 200% of the SMI, the amount your statements must show went up. On the annual figure, 200% is €34,188 a year, which is about €2,849 a month when spread over 12 months.

The second is Verification of Payee. Since 9 October 2025, banks and payment providers in the EU must offer a free check that the name of the person you are paying matches the IBAN, for both standard and instant euro transfers, as the Banco de España explains. In 2026 this is simply how transfers work, and it has practical effects when you pay a deposit to a landlord.

Is this guide right for you?

This guide is written for people moving to Spain to work remotely for employers or clients outside Spain.

• ✅ You are a non-EU national applying for the Spain Digital Nomad Visa as an employee or a freelancer.
• ✅ You have just been approved and need to sort out rent, utilities, Social Security and tax payments.
• ✅ You are preparing your three months of bank evidence and want to avoid a requerimiento.
• ✅ You are moving with your family and need to show the extra income required for them (see our guide to bringing your family on the Digital Nomad Visa).
• ❌ You will live on savings or pensions without working: the Non-Lucrative Visa requirements apply, and they work differently.
• ❌ You are looking for a ranking of the "best" bank: we do not rank banks. We give you the criteria to choose.
• ❌ You need personal tax advice: MoveWise is not a tax adviser, and the tax passages here are general information.

👉 Not sure your bank statements show what the UGE-CE needs? Book a free consultation with a MoveWise Client Manager.

The three bank accounts a digital nomad in Spain actually needs

Most remote workers who move to Spain end up with three accounts, each with a different job. You may combine two of them in one account, but it helps to think of them separately.

• The income account. This is where your salary or client payments land. It proves your income for the visa, so it must be in your name and its bank must be able to issue certified statements. For most applicants it is the home-country account they already have.
• The spending and transfer account. This is a multi-currency or digital account that lets you convert money and pay in euros at a reasonable cost. It is useful from your first trip to Spain.
• The Spanish resident account. This is a Spanish IBAN at a Spanish bank, opened once you have an NIE and an address. It handles rent, utilities, Social Security and tax payments.

Not everyone needs all three on day one. What you need depends on how you are paid, whether you will be self-employed in Spain, and how many direct debits you will set up.

💡 Pro tip: Decide which account is your income account before your three-month evidence window starts, and do not change it until you have filed. Every change of account is something you will have to explain.

Proving your income for the Spain Digital Nomad Visa

The UGE-CE wants to see that the income you declare actually reached an account in your name. It does not require a Spanish account.

According to the UGE-CE information sheet for main applicants, you provide payslips or invoices for the three months before the application, and a bank certificate for the same three months, in the applicant's name and stamped or signed by the bank. The payments that match the payslips or invoices must be marked so they can be identified separately from the rest. The certificate can come from a Spanish or a foreign institution.

The amounts are gross, before tax and social security deductions. Your employer's letter must state the salary in euros. For the requirements as a whole, see our Spain Digital Nomad Visa requirements checklist.

How much has to show on your statements

The threshold is 200% of the SMI for the main applicant. With the 2026 SMI this is €34,188 a year, or about €2,849 a month on a 12-month basis. A spouse or partner adds 75% of the SMI, and each additional family member adds 25%, according to the UGE-CE digital nomad FAQ. Some consulates, such as Washington and Houston, publish a lower €2,442 a month because they multiply the monthly SMI instead of the annual one, so check your consulate's own page; for applications filed in Spain, the €2,849 figure is the safer one to plan around.

If your income falls short, the same information sheet allows you to add bank certificates showing savings or liquid funds that cover the gap for the whole period of the permit. Those certificates must also be in your name and signed or stamped by the bank.

If you apply through a consulate instead, the Consulate General of Spain in New York states that any means of proof may be used, but that the ownership, legality and availability of the funds must be shown. In practice that still means statements in your name.

What makes a bank statement work

The officer reading your file has to connect three things: the contract, the payment document and the money arriving. Your account is the last link.

• ✅ The account holder's name matches your passport exactly.
• ✅ The payer's name on the statement matches your employer or client, or you can explain why it does not.
• ✅ The amounts match your payslips or invoices, or the difference is explained (for example, net salary after deductions).
• ✅ The statement covers full months, including the latest month you are using.
• ✅ The bank can stamp or sign a certificate, or issue a document that carries its signature.
• ❌ Payments land in a partner's account, a joint account with no explanation, or a company account.
• ❌ Money moves through several of your accounts before reaching the one you show.

If you are an employee, our guide to the three ways employees qualify for the Spain Digital Nomad Visa explains how your employment set-up affects the evidence.

Payments through platforms and employers of record

Many remote workers are paid through a payroll provider, an employer of record or a contractor-payment platform. Your statement then shows the platform's name, not your client's.

This is not a problem in itself, but it needs to be documented. The contract or an addendum should show that the platform pays on behalf of the client, and the invoices should match the amounts that arrive. In our case work, missing invoices are a common reason why a payment summary cannot be closed.

Currency conversion and the threshold

If you are paid in dollars or pounds, the amount in euros moves with the exchange rate. A salary that clears the threshold in one month may fall below it in another.

The UGE-CE asks for the salary in euros in the employer's letter, but the money on your statements may be in another currency. Leave a margin above the threshold rather than aiming for the exact figure.

⚠️ Common mistake: Switching your salary to a new fintech account halfway through the three months because it offers better exchange rates. You then have to show two partial statements, explain the transfer between them, and get a certified document from both providers.

Fintech, multi-currency and e-money accounts: what they can and cannot do

Multi-currency and digital accounts are useful for receiving foreign currency, converting it and paying in euros. Whether one can be your income account depends on the documents it can issue.

Well-known names in this category include Wise and Revolut, digital banks such as N26, and UK app banks such as Monzo and Starling. We mention them only as examples of the types of provider readers ask us about. We do not endorse any of them, and their features, fees and eligibility rules change. Check each provider's own pages before you open an account.

When you compare providers, look at these criteria rather than marketing claims:

• Licence and protection. Is it a bank, a payment institution or an electronic money institution? In Spain, the Fondo de Garantía de Depósitos covers deposits at member credit institutions up to €100,000 per depositor and per entity, as the Banco de España explains. If your provider is not a bank, read its terms on how your money is protected.
• Documents for the visa. Can it issue a statement or certificate in your name that the bank signs or stamps? Can it confirm your account details in an official letter?
• IBAN country. Which country does your euro IBAN belong to? Within the EU, the country should not matter for most payments (see below), but some payments in Spain work best with a Spanish IBAN.
• Eligibility and residence. Some providers limit accounts by country of residence. When you become a Spanish resident, you may have to update your details or move your account to another entity.
• Exchange costs. Compare the total cost of converting your salary, including the rate used, not only the advertised fee.
• Support. How do you reach someone if your account is frozen for a compliance check while you are abroad?

💡 Pro tip: Before your evidence window starts, download a sample statement from the provider and check that it shows your full name, the account number or IBAN, the provider's details and each transaction with the payer's name. If it does not, choose another account as your income account.

Typical "digital nomad bank" checklists focus on global ATM access, low or no foreign transaction fees, multi-currency balances, a good app and responsive support. Those are sensible things to look for in your spending account. They are just not what the UGE-CE checks.

Opening a Spanish bank account as a non-resident

You can open a Spanish account before you are resident, as a non-resident customer. It is useful if you need to pay a deposit or set up utilities before your residence card arrives.

Spanish banks must identify you under anti-money-laundering rules, so expect to show your passport and answer questions about the source and expected use of your money. A bank can refuse to open even a basic payment account if you do not provide the information it needs for those checks, as the Banco de España notes.

Banks can also ask you to prove that you are not resident in Spain. The Policía Nacional issues a certificate of non-residence on form EX-15, with the fee paid on form 790 code 012. Each bank decides what it asks for, so ask in advance.

Many banks will also ask for an NIE. Our guide on how to get your NIE explains the options from Spain and from abroad.

⚠️ Common mistake: Opening a non-resident account and forgetting to tell the bank when you become resident. Your status affects how the bank treats the account, and the bank needs to know where you live for tax purposes.

Opening a resident bank account after approval

Once your Digital Nomad residence is approved, you can open, or convert to, a resident account. This is the account most of your life in Spain will run through.

Banks set their own document lists, but these are the items they usually ask for:

• Your passport.
• Your NIE, and later your TIE (the foreigner identity card). Our guide to the Spanish residence card explains the fingerprint appointment.
• Proof of address in Spain, such as a rental contract or your padrón certificate. See our guide to registering on the padrón.
• Proof of income or occupation, such as your employment contract or invoices.
• A tax residence declaration, which the bank provides.

The right to a basic payment account

If a bank refuses you a standard account, you may ask for a basic payment account. Banks must offer one to people who reside legally in the European Union, even without a fixed address, according to the Banco de España.

The bank can refuse only on limited grounds: you already hold a current account in Spain, the opening would go against national security or public order, or you do not provide the information required for anti-money-laundering checks. A basic payment account includes deposits, cash withdrawals, direct debits, card payments and transfers within the EU.

👉 Stuck between approval, NIE, TIE and your first Spanish account? Talk it through with a MoveWise Client Manager in a free consultation.

Why a Spanish or SEPA IBAN matters once you live in Spain

A euro IBAN from any EU country should be enough for most payments in Spain. A Spanish account is still the safer choice for Social Security and tax payments.

IBAN discrimination is illegal in the EU

Under Article 9 of the SEPA Regulation (Regulation (EU) No 260/2012), a business or public administration cannot refuse payments or direct debits from an account just because its IBAN belongs to another EU country. The Banco de España calls this practice illegal and explains how to complain.

If it happens to you, tell the company in writing that it must accept IBANs from any EU country, then file a formal complaint. If the problem continues, you can go to the consumer authority of your region (when a business refuses a consumer) or the Banco de España (when the refusal comes from a payment service provider).

Note that the rule covers IBANs from EU countries. An account from outside the EU, such as a US or UK account, is not protected in the same way.

Social Security contributions for autónomos

If you will be self-employed in Spain, contributions to the RETA must be paid by direct debit. Since 1 January 2018, the Social Security Treasury no longer issues payment slips for self-employed workers, according to the TGSS RED bulletin 7/2017.

The rule, in the Reglamento General de Recaudación, requires the debit from an account at an institution authorised to act as a Social Security collecting office, as the Defensor del Pueblo summarises. This is why most self-employed digital nomads open a Spanish account before they register. Our guide to registering as autónomo covers the registration itself.

💡 Pro tip: Have your Spanish account open before your autónomo registration, so your gestor can set up the direct debit from the first month.

Tax payments to the Agencia Tributaria

For income tax, the Agencia Tributaria's guidance on payment methods lists direct debit from an account held in your name at a collaborating institution (entidad colaboradora), payment in person at a collaborating institution, and electronic payment. A transfer from an account at a non-collaborating institution in the SEPA area is described for taxpayers who have no account at a collaborating institution. A Spanish account at a collaborating bank keeps this simple.

Rent, utilities and everyday direct debits

Landlords, utility companies, phone providers and gyms usually collect by direct debit. Legally they should accept any EU IBAN. In practice, some still ask for a Spanish one, and a Spanish account avoids the argument.

When you pay a deposit or the first month's rent by transfer, the Verification of Payee check will show whether the name you typed matches the name behind the landlord's IBAN. If the result is "no match", stop and confirm the details with the landlord or agency before you send the money. The bank is not responsible for a payment you send to an incorrect IBAN after a warning.

The visa fee does not require a Spanish account

You pay the Digital Nomad Visa fee before you apply, using form 790 code 038. The UGE-CE FAQ explains that someone else can pay on your behalf using the "Pago en representación de otra persona" option, as long as your details are entered in the authorisation section. You have to attach the payment receipt to your application.

Keeping your home-country account

Do not close your home-country account when you move. It is often the account that received your salary during the evidence window, and you may need its statements again.

You may need it for renewals, for a requerimiento asking for more statements, or for payments that arrive in your home currency. Our guide on keeping your Digital Nomad Visa in Spain explains what you must keep showing over time.

Some banks restrict or close accounts when the customer moves abroad. Before you leave, check your bank's terms for non-resident customers and update your address in the way the bank requires. Do not give a bank false information about where you live.

⚠️ Common mistake: Using only an app-based account during your first months in Spain and leaving the home account idle. If the home account is closed for inactivity, you lose easy access to the statement history that supported your application.

Reporting foreign accounts once you are tax resident

This section is general information, not tax advice. MoveWise is not a tax adviser. Speak to a qualified tax adviser about your own situation.

Moving to Spain on a residence permit does not, by itself, decide your tax residence. The rules are explained in our guide to tax residency in Spain.

If you become a Spanish tax resident, you may have to file the Modelo 720, an informative return on assets and rights held abroad. According to the Agencia Tributaria's Modelo 720 FAQ:

• It applies, among others, to individuals resident in Spain.
• Foreign bank accounts are one of three separate blocks (accounts; securities, insurance and annuities; real estate).
• The €50,000 threshold applies to each block separately. For accounts, it is enough that the balance at 31 December or the average balance of the last quarter exceeds it.
• Once a block has been declared, you file again only if its joint value increases by more than €20,000 compared with the last return, or to report cancellations.
• People taxed under the special regime for workers posted to Spain (article 93, often called the Beckham Law) are excluded. See our guide to the Spain Beckham Law.
• After a Court of Justice of the EU judgment of 27 January 2022, Ley 5/2022 changed the penalty regime, which now follows the general rules.

Your Spanish bank will also ask you to declare your tax residence when you open the account. Answer accurately, and update it if it changes.

Banking in Italy and Portugal

The same logic applies in Italy and Portugal: an account in your name proves your income for the visa, and a local account becomes practical once you live there. The local tax number is the first step.

Italy

In Italy, the codice fiscale is the tax code that identifies you. Any administrative requirement or legal transaction needs it, including contracts and leases, as the Embassy of Italy in Riga explains. Non-EU citizens who stay in Italy on a residence permit are assigned it through the Questura or the Sportello Unico per l'Immigrazione. Italian banks generally ask for it when you open an account.

For the visa itself, see our Italy Digital Nomad Visa checklist. For MoveWise clients in Italy, opening a bank account is part of our separate Residency Setup package after the permesso di soggiorno.

Portugal

In Portugal, the NIF (tax number) is generally the first thing a bank asks for, and many applicants get one before they apply for their visa. Check the current checklist of the consulate or visa centre where you will apply, because document lists differ. Our Portugal Digital Nomad Visa checklist covers the visa requirements.

How to set up your banking, step by step

This is the order that causes the fewest problems for a Spanish Digital Nomad application. Adapt it to how you are paid.

1. Choose your income account. Use the account where your salary or client payments already arrive, as long as it is in your name and its bank can issue certified statements.
2. Check a sample statement. Make sure it shows your full name, account number, the bank's details and the payer's name on each payment.
3. Keep the three months clean. Do not change the receiving account, and avoid running salary through several accounts before it reaches the one you will show.
4. Collect your payslips or invoices. They must match the payments on the statement. If a platform pays you, keep the contract or addendum that explains it.
5. Ask your bank for the certificate. Ask for a certificate or statement for the three months, in your name and stamped or signed by the bank. Mark each matching payment.
6. Open a spending account for Spain. A multi-currency or EU account lets you pay deposits and costs in euros while you wait for approval.
7. Pay the visa fee. Use form 790 code 038. Someone else can pay on your behalf if your details are entered correctly.
8. After approval, get your NIE details and address. Your rental contract or padrón certificate will be your proof of address.
9. Open your Spanish resident account. Do it before you register as autónomo if you will be self-employed, and update the bank when your TIE arrives.
10. Set up your direct debits. Rent, utilities and, for autónomos, Social Security contributions.
11. Keep your home account open. You will need its history for renewals and possible requests for more documents.

Timeline: what to realistically expect

Your banking timeline follows your visa timeline. These are the stages, with timings that depend on your bank and your local offices.

• At least three months before you apply: fix your income account and start collecting statements and payslips or invoices.
• Two to four weeks before you apply: request the bank certificate and check it carefully. Foreign banks can take time to issue stamped documents, and documents from outside Spain may need apostille and sworn translation depending on the case.
• When you apply: pay the fee and attach the receipt. Under the procedure for applications filed in Spain, the UGE-CE has a legal deadline to resolve, and requests for more documents pause it.
• After approval: you receive your resolution and can book your TIE fingerprint appointment. You can open a non-resident or resident account depending on what each bank accepts at this stage.
• When your TIE arrives: update your bank to resident status if you had not done so already.
• In your first tax year as a resident: check with a tax adviser whether you have any reporting obligations for foreign accounts.

We cannot promise how long a bank, police station or UGE-CE will take. Build in a margin, especially if you have a lease to sign.

How much it costs

The only official fees in this guide are the visa fee and the non-residence certificate fee. Bank charges depend on the bank and the account.

• Digital Nomad Visa fee (form 790 code 038): paid before applying, for the main applicant and each family member. The current amount is shown on the official form.
• Certificate of non-residence (form 790 code 012): only if a bank asks for it. The Policía Nacional publishes the current amount on its fees page.
• Bank certificates from your home bank: some banks charge for stamped or signed certificates. Ask yours in advance.
• Sworn translation and apostille: may be needed for documents from outside Spain, depending on the document and the authority.
• Spanish bank account fees: vary by bank and by account. Ask for the fee information document before you sign. A basic payment account has its own fee rules, explained on the Banco de España basic payment account pages.
• Currency conversion: compare the total cost of converting your income, including the exchange rate applied.

Most common mistakes (and how to avoid them)

These are the banking mistakes we see most often in Digital Nomad files. All of them can be avoided with a little planning.

• Changing the income account during the three months. Fix it before the window starts.
• Statements in someone else's name. The certificate must be in the applicant's name. A joint or partner account needs an explanation, and a company account does not prove personal income.
• Unmarked payments. The UGE-CE asks for the matching payments to be identified separately. Highlight them on the statements and list them in a payment summary.
• Unstamped printouts. An app screenshot is not a bank certificate. Ask for a document the bank signs or stamps.
• No explanation for a platform payer. If a payroll or payment platform pays you, include the contract or addendum that links it to your client.
• Aiming for the exact threshold. Exchange rates move. Leave a margin.
• Closing the home account too early. You may need its history for renewals or a requerimiento.
• Registering as autónomo without a Spanish account. Contributions are collected by direct debit from an authorised institution.
• Accepting "Spanish IBAN only" without question. For EU IBANs, that refusal is not allowed. Complain in writing if needed.
• Ignoring Verification of Payee warnings. Confirm the landlord's details before you pay a deposit.

👉 Want your bank evidence and payment summary checked before you file? Book a free consultation with a MoveWise Client Manager.

Frequently asked questions

What is the best bank account for digital nomads moving to Spain?

No single account is best for everyone. Use the account where your income already arrives to prove your income, as long as it is in your name and its bank can issue stamped or signed statements. Add a multi-currency account for spending in euros, and open a Spanish account after approval, especially if you will be self-employed.

Do I need a Spanish bank account to apply for the Spain Digital Nomad Visa?

No. The UGE-CE accepts bank certificates from Spanish or foreign institutions. They must be in your name, stamped or signed by the bank, and cover the same three months as your payslips or invoices. Each matching payment must be marked so the officer can identify it separately from your other transactions.

Can I use a fintech or multi-currency account to prove my income?

Yes, if the provider can issue a statement or certificate in your name that the UGE-CE will accept as signed or stamped by the institution. Check a sample document before your three-month window starts. If the provider cannot certify your statements, keep your income arriving in a traditional bank account and use the fintech account only for spending.

Can I open a Spanish bank account as a non-resident?

Yes. Spanish banks offer accounts to non-resident customers, but each bank sets its own requirements. Expect to show your passport and answer anti-money-laundering questions about your funds. Some banks ask for an NIE or a certificate of non-residence, which the Policía Nacional issues on form EX-15 with the fee paid on form 790 code 012.

Can a Spanish company refuse my non-Spanish IBAN?

No, not if the IBAN belongs to an EU country. Under Article 9 of the SEPA Regulation, a business or public body cannot refuse your euro payments or direct debits because your IBAN is from another EU country. Complain in writing first. Then go to your regional consumer authority or, if the refusal comes from a payment provider, the Banco de España.

Do self-employed digital nomads need a Spanish bank account?

Yes, in practice. Self-employed workers in Spain must pay Social Security contributions by direct debit, from an account at an institution authorised to act as a Social Security collecting office. Most autónomos open a Spanish account before they register, so the direct debit can start from the first month.

Do I have to declare my foreign bank accounts in Spain?

Yes, if you become a Spanish tax resident and your foreign accounts exceed €50,000, you may have to file the Modelo 720 informative return. The threshold looks at the balance on 31 December or the average balance of the last quarter. This is general information: confirm your own position with a qualified tax adviser.

Should remote workers keep their savings in a foreign account?

Yes, you can keep savings abroad, and many residents do. Once you are a Spanish tax resident, foreign accounts may create reporting obligations, such as the Modelo 720 above €50,000. Savings can also help you meet the income requirement if your earnings fall short. Ask a qualified tax adviser before you move money.

Can someone else pay my Digital Nomad Visa fee?

Yes. The UGE-CE FAQ explains that the fee on form 790 code 038 can be paid by another person using the "Pago en representación de otra persona" option, as long as your details are entered in the authorisation section. You must attach the proof of payment when you submit your application.

Should I close my home-country bank account when I move to Spain?

No. Keep it, especially if it received your salary during the three months you proved. You may need its statement history for renewals or a request for more documents. Check your bank's rules for customers who live abroad and keep your address details correct with the bank.

Do I need a local tax number to open a bank account in Italy or Portugal?

Yes, in practice. In Italy, the codice fiscale is needed for any legal transaction, and non-EU residents are assigned it through the Questura or the immigration office. In Portugal, banks generally ask for your NIF. Check the requirements of the bank you choose, because document lists differ.

How MoveWise can help

MoveWise prepares Spanish Digital Nomad applications from start to finish, including the financial evidence that most often triggers a requerimiento.

• Module 1: eligibility assessment. We review your contract, how you are paid and your bank evidence, and tell you whether your file is ready or what to fix first, such as which account to use and how long to wait.
• Module 2: full preparation and submission. Your Legal Manager prepares the forms, the payment summary with each payment marked on your statements, the supporting notes and the submission to the UGE-CE, and handles any request for more documents.
• Refund: a full refund of our fee if your application is refused, under the conditions of our service agreement.
• Trust: more than 500 client reviews on Trustpilot.
• After approval: support with the next steps, from NIE and TIE to autónomo registration through our partners.

Start with our Spain Digital Nomad Visa service page to see how we work. If you are still deciding which account to use, the free consultation is the right moment to ask: a MoveWise Client Manager will look at how you are paid and tell you what your file needs. Use any of the consultation links in this guide.

Sources and legal references

• Ministerio de Inclusión, Seguridad Social y Migraciones, UGE-CE: Información y documentación para titulares
• Ministerio de Inclusión, UGE-CE: Preguntas frecuentes sobre nómadas digitales
• Consulado General de España en Nueva York: Telework visa
• BOE: Real Decreto 126/2026, de 18 de febrero, salario mínimo interprofesional para 2026
• Banco de España, Portal del Cliente Bancario: IBAN discrimination: what it is and how to act
• Banco de España: Basic payment account: who can request it
• Banco de España: Basic payment account: what it is
• Banco de España: New Verification of Payee service from 9 October 2025
• Banco de España: ¿Qué depósitos cubre el FGD?
• Policía Nacional, Sede electrónica: Certificado de no residente
• Agencia Tributaria: Recopilación de preguntas frecuentes sobre el Modelo 720
• Agencia Tributaria: IRPF, formas de pago
• Tesorería General de la Seguridad Social: Boletín de Noticias RED 7/2017
• Defensor del Pueblo: Acceso a otras fórmulas de pago para autónomos
• Ambasciata d'Italia a Riga: Codice fiscale
• Regulation (EU) No 260/2012 (SEPA Regulation), Article 9, as summarised by the Banco de España above.

This guide is general information, not legal advice. Immigration rules and consular practice change frequently; the information was verified on 30 October 2026. For advice on your situation, speak to a qualified professional.

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While the requirements for obtaining a visa for Spain and Italy are straightforward, preparing the necessary documents and navigating the application process can be challenging. Mistakes or incomplete paperwork could put your application at risk.

If you have any doubts or questions about the process, you can book a free consultation for the following visa types, we’ll be there to help you every step of the way:

Digital Nomad Visa Spain -> BOOK TODAY a 100% Free Consultation

Digital Nomad Visa Portugal -> BOOK TODAY a 100% Free Consultation

Digital Nomad Visa Italy -> BOOK TODAY a 100% Free Consultation

Hasta pronto!