{"id":499963,"date":"2023-06-05T11:25:20","date_gmt":"2023-06-05T08:25:20","guid":{"rendered":"https:\/\/alegria-realestate.com\/?p=499963"},"modified":"2025-08-14T21:36:06","modified_gmt":"2025-08-14T18:36:06","slug":"opening-bank-account-in-spain-in-2023","status":"publish","type":"post","link":"https:\/\/alegria-realestate.com\/cs\/articles\/opening-bank-account-in-spain-in-2023","title":{"rendered":"Otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023"},"content":{"rendered":"<p>Otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku m\u016f\u017ee b\u00fdt vy\u017eadov\u00e1no za r\u016fzn\u00fdch okolnost\u00ed: n\u00e1kup nemovitosti, p\u0159est\u011bhov\u00e1n\u00ed se do trval\u00e9ho bydli\u0161t\u011b, studium, n\u00e1stup do zam\u011bstn\u00e1n\u00ed, pron\u00e1jem nemovitosti, placen\u00ed poji\u0161t\u011bn\u00ed atd. V roce 2023 to bylo na jedn\u00e9 stran\u011b jednodu\u0161\u0161\u00ed d\u00edky roz\u0161\u00ed\u0159en\u00ed online slu\u017eeb a n\u00e1r\u016fstu po\u010dtu internetov\u00fdch bank, na druh\u00e9 stran\u011b zt\u00ed\u017een\u00ed kv\u016fli zp\u0159\u00edsn\u011bn\u00ed po\u017eadavk\u016f na ka\u017ed\u00e9ho nov\u00e9ho klienta.<\/p>\n<h2> V\u00fdb\u011br banky pro otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023<\/h2>\n<p> P\u0159ed <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/opening-a-bank-account-in-spain\">otev\u0159en\u00edm \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023<\/a> si mus\u00edte vybrat spr\u00e1vnou banku. P\u0159i v\u00fdb\u011bru je t\u0159eba v\u011bnovat zvl\u00e1\u0161tn\u00ed pozornost \u0159ad\u011b d\u016fle\u017eit\u00fdch bod\u016f:<\/p>\n<ul>\n<li> <strong>Podm\u00ednky pro otev\u0159en\u00ed \u00fa\u010dtu:<\/strong> pracuje banka v\u00fdhradn\u011b s dosp\u011bl\u00fdmi \u0161pan\u011blsk\u00fdmi ob\u010dany a obyvateli zem\u011b, nebo tak\u00e9 s nerezidenty, studenty, nezletil\u00fdmi atd.<\/li>\n<li> <strong>Bankovn\u00ed poplatky a souvisej\u00edc\u00ed v\u00fddaje:<\/strong> kolik stoj\u00ed pr\u016fb\u011b\u017en\u00e9 veden\u00ed \u00fa\u010dtu, zda je nutn\u00e9 p\u0159i zakl\u00e1d\u00e1n\u00ed \u00fa\u010dtu dokupovat od banky dal\u0161\u00ed finan\u010dn\u00ed produkt (nap\u0159\u00edklad n\u011bjak\u00e9 poji\u0161t\u011bn\u00ed), zda se plat\u00ed poplatek za p\u0159evod pen\u011bz v r\u00e1mci \u0160pan\u011blska, zda je poplatek za obsluhu a znovuvyd\u00e1n\u00ed bankovn\u00edch karet atd.<\/li>\n<li> <strong>Typ \u00fa\u010dtu:<\/strong> je \u00fa\u010det mzdov\u00fd, tzn. p\u0159eb\u00edr\u00e1 povinnou n\u00e1vaznost p\u0159\u00edjm\u016f na n\u011bj, a pokud ano, v jak\u00e9 v\u00fd\u0161i, nebo je b\u011b\u017en\u00fd \u00fa\u010det bez z\u00e1vazk\u016f.<\/li>\n<li> <strong>Dal\u0161\u00ed podm\u00ednky:<\/strong> dal\u0161\u00ed podm\u00ednky mohou zahrnovat povinnou registraci debetn\u00edch a\/nebo kreditn\u00edch karet a minim\u00e1ln\u00ed po\u017eadovan\u00fd po\u010det transakc\u00ed s jejich pou\u017eit\u00edm za m\u011bs\u00edc nebo \u010dtvrtlet\u00ed a tak\u00e9 propojen\u00ed s fakturou za energie.<\/li>\n<\/ul>\n<p> Zvl\u00e1\u0161tn\u00ed pozornost vy\u017eaduje problematika poji\u0161t\u011bn\u00ed. Mnoho bank klade n\u00e1kup pojistky (nap\u0159\u00edklad zdravotn\u00ed nebo majetkov\u00e9) jako povinnou podm\u00ednku p\u0159i zalo\u017een\u00ed \u00fa\u010dtu. Cena pojistky m\u016f\u017ee b\u00fdt vysok\u00e1 a zru\u0161it poji\u0161t\u011bn\u00ed po podpisu smlouvy m\u016f\u017ee b\u00fdt velmi obt\u00ed\u017en\u00e9. \u010casto se nov\u00ed klienti bank, kte\u0159\u00ed si p\u0159ed podpisem smluv pe\u010dliv\u011b nep\u0159e\u010dtou podm\u00ednky smluv, dozv\u011bd\u00ed o poji\u0161t\u011bn\u00ed, kter\u00e9 si koupili, a\u017e po odeps\u00e1n\u00ed pojistn\u00e9ho z \u00fa\u010dtu. Ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f se poji\u0161t\u011bn\u00ed odepisuje okam\u017eit\u011b za rok, tak\u017ee s mal\u00fdm z\u016fstatkem hroz\u00ed, \u017ee se \u00fa\u010det dostane do z\u00e1poru. N\u00ed\u017ee uv\u00e1d\u00edme seznam \u0161pan\u011blsk\u00fdch bank, kter\u00e9 otev\u00edraj\u00ed \u00fa\u010dty online v roce 2023, neukl\u00e1daj\u00ed poji\u0161t\u011bn\u00ed a nevy\u017eaduj\u00ed propojen\u00ed mezd nebo jin\u00fdch p\u0159\u00edjm\u016f s \u00fa\u010dty.<\/p>\n<h2> Dokumenty pro otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023<\/h2>\n<p> Mezi hlavn\u00ed dokumenty pot\u0159ebn\u00e9 k otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku pat\u0159\u00ed:<\/p>\n<ul>\n<li> Ob\u010dansk\u00fd pr\u016fkaz DNI nebo pobytov\u00fd pr\u016fkaz TIE nebo cestovn\u00ed pas a \u010d\u00edslo cizince NIE nebo studentsk\u00fd pr\u016fkaz.<\/li>\n<li> Doklad potvrzuj\u00edc\u00ed adresu bydli\u0161t\u011b (registrace a ve v\u00fdjime\u010dn\u00fdch p\u0159\u00edpadech faktury za elekt\u0159inu\/vodu vystaven\u00e9 na jm\u00e9no \u017eadatele v jeho bydli\u0161t\u011b, p\u0159\u00edpadn\u011b n\u00e1jemn\u00ed smlouva).<\/li>\n<li> Kontaktn\u00ed \u00fadaje: telefonn\u00ed \u010d\u00edslo, emailov\u00e1 adresa.<\/li>\n<li> Mezi dal\u0161\u00ed dokumenty pat\u0159\u00ed n\u011bkter\u00fd z n\u00e1sleduj\u00edc\u00edch dokument\u016f:<\/li>\n<li> V\u00fdpis z pracovn\u00ed historie (Vida laboral);<\/li>\n<li> Pracovn\u00ed smlouva (Contrato de Trabajo);<\/li>\n<li> Posledn\u00ed v\u00fdplatn\u00ed p\u00e1ska nebo v\u00fdplatn\u00ed p\u00e1ska (N\u00f3mina);<\/li>\n<li> Da\u0148ov\u00e9 p\u0159izn\u00e1n\u00ed za posledn\u00ed vykazovan\u00e9 obdob\u00ed (Declaraci\u00f3n de Renta);<\/li>\n<li> Pro fyzick\u00e9 osoby \u2013 potvrzen\u00ed od da\u0148ov\u00e9 slu\u017eby o registraci;<\/li>\n<li> V\u00fdpis z \u00fa\u010dtu z jin\u00e9 banky s p\u0159\u00edjmy a pohyby finan\u010dn\u00edch prost\u0159edk\u016f atd.<\/li>\n<\/ul>\n<p> Banka m\u00e1 pr\u00e1vo po\u017eadovat jak\u00e9koli dal\u0161\u00ed dokumenty, kter\u00e9 pova\u017euje za nezbytn\u00e9. V\u0161echny zahrani\u010dn\u00ed dokumenty mus\u00ed b\u00fdt p\u0159elo\u017eeny do \u0161pan\u011bl\u0161tiny soudn\u00edm p\u0159ekladatelem. \u00da\u010det lze otev\u0159\u00edt bu\u010f osobn\u011b v kancel\u00e1\u0159i nebo online. V druh\u00e9m p\u0159\u00edpad\u011b bude nutn\u00e9 v\u0161echny pot\u0159ebn\u00e9 dokumenty p\u0159edlo\u017eit v naskenovan\u00e9 podob\u011b nebo zaslat po\u0161tou. Budete tak\u00e9 muset ov\u011b\u0159it svou identitu prost\u0159ednictv\u00edm videochatu. \u00da\u010det otev\u0159en\u00fd online je obvykle aktivov\u00e1n do 1\u20135 pracovn\u00edch dn\u016f. Online \u00fa\u010dty se snadn\u011bji otev\u00edraj\u00ed a na \u017eadatele je kladeno m\u00e9n\u011b po\u017eadavk\u016f. Je v\u0161ak t\u0159eba vz\u00edt v \u00favahu, \u017ee \u00fa\u010dty otev\u0159en\u00e9 ve \u0161pan\u011blsk\u00fdch bank\u00e1ch online mohou m\u00edt \u0159adu omezen\u00ed: nap\u0159\u00edklad u transakc\u00ed p\u0159es pokladnu banky (p\u0159edpokl\u00e1d\u00e1 se, \u017ee majitel\u00e9 takov\u00fdch \u00fa\u010dt\u016f mus\u00ed prov\u00e1d\u011bt v\u0161echny transakce prost\u0159ednictv\u00edm sv\u00e9ho osobn\u00edho \u00fa\u010dtu, aplikace nebo prost\u0159ednictv\u00edm bankomat\u016f).<\/p>\n<h2> Otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023 bez poplatk\u016f za slu\u017eby<\/h2>\n<p> N\u00ed\u017ee zve\u0159ej\u0148ujeme, co pova\u017eujeme za nejv\u00fdhodn\u011bj\u0161\u00ed \u00fa\u010dty ve \u0161pan\u011blsk\u00fdch bank\u00e1ch. R\u00e1di bychom ale hned zd\u016fraznili, \u017ee podm\u00ednky plat\u00ed ve v\u011bt\u0161in\u011b p\u0159\u00edpad\u016f pouze pro nov\u00e9 klienty. Pokud ji\u017e jste klientem banky, o kterou m\u00e1te z\u00e1jem, m\u00e1te \u00fa\u010det a plat\u00edte poplatek za slu\u017ebu, nebudete moci p\u0159ej\u00edt na nov\u00e9 podm\u00ednky a abyste u\u0161et\u0159ili na poplatc\u00edch, budete muset zm\u011bnit banku. V roce 2023 byly nejobl\u00edben\u011bj\u0161\u00edmi bankovn\u00edmi \u00fa\u010dty ve \u0160pan\u011blsku:<\/p>\n<ul>\n<li> <strong>Cuenta Inteligente EVO<\/strong> (banka: EVO Banca Inteligente): \u017e\u00e1dn\u00e9 provize a \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed po\u017eadavky na dlu\u017en\u00edka; nen\u00ed vy\u017eadov\u00e1na vazba na plat; Vyd\u00e1vaj\u00ed se zdarma debetn\u00ed a kreditn\u00ed karty.<\/li>\n<li> <strong>Cuenta Online Santander<\/strong> (banka: Santander): \u017e\u00e1dn\u00e9 provize a \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed po\u017eadavky na dlu\u017en\u00edka; Neexistuje \u017e\u00e1dn\u00fd po\u017eadavek na propojen\u00ed va\u0161eho platu, ale pokud je to mo\u017en\u00e9, banka vyplat\u00ed bonus ve v\u00fd\u0161i 150 eur; Vyd\u00e1v\u00e1 se bezplatn\u00e1 debetn\u00ed karta.<\/li>\n<li> <strong>Cuenta NoCuenta<\/strong> (banka: ING): \u017e\u00e1dn\u00e9 poplatky nebo zvl\u00e1\u0161tn\u00ed po\u017eadavky pro dlu\u017en\u00edka; nen\u00ed vy\u017eadov\u00e1na vazba na plat; Vyd\u00e1v\u00e1 se bezplatn\u00e1 virtu\u00e1ln\u00ed debetn\u00ed karta.<\/li>\n<li> <strong>Cuenta Online Sabadell<\/strong> (banka: Sabadell): \u017e\u00e1dn\u00e9 provize a \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed po\u017eadavky na dlu\u017en\u00edka; Neexistuje \u017e\u00e1dn\u00fd po\u017eadavek na propojen\u00ed va\u0161eho platu, ale pokud je to mo\u017en\u00e9, banka vyplat\u00ed bonus ve v\u00fd\u0161i 200 eur; je vyd\u00e1na bezplatn\u00e1 debetn\u00ed karta; P\u0159i vkladu \u010d\u00e1stky do 30 000 eur m\u016f\u017ee b\u00fdt na\u00fa\u010dtov\u00e1na ro\u010dn\u00ed \u00farokov\u00e1 sazba 2,5 %.<\/li>\n<li> <strong>Cuenta Online sin Comisiones<\/strong> (banka: BBVA): \u017e\u00e1dn\u00e9 provize a \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed po\u017eadavky na dlu\u017en\u00edka; nen\u00ed vy\u017eadov\u00e1na vazba na plat; mo\u017enost z\u00edskat Cashback za n\u00e1kupy; bezplatn\u00e9 debetn\u00ed karty jsou vyd\u00e1v\u00e1ny majitel\u016fm \u00fa\u010dt\u016f (maxim\u00e1ln\u011b dv\u011b); Navrhuje se automatick\u00fd p\u0159evod prost\u0159edk\u016f z jin\u00e9 banky s n\u00e1sledn\u00fdm uzav\u0159en\u00edm \u00fa\u010dtu v n\u00ed.<\/li>\n<li> <strong>Cuenta Corriente Open<\/strong> (banka: Openbank, dce\u0159in\u00e1 banka Santander): \u017e\u00e1dn\u00e9 poplatky nebo zvl\u00e1\u0161tn\u00ed po\u017eadavky pro dlu\u017en\u00edka; nen\u00ed vy\u017eadov\u00e1na vazba na plat; je vyd\u00e1na bezplatn\u00e1 debetn\u00ed karta; slevy jsou nab\u00edzeny za n\u00e1kupy na str\u00e1nk\u00e1ch partnersk\u00fdch spole\u010dnost\u00ed banky (Booking, Iberia atd.).<\/li>\n<li> <strong>Cuenta N26<\/strong> (banka: N26): \u0161pan\u011blsk\u00fd IBAN, \u017e\u00e1dn\u00e9 poplatky nebo zvl\u00e1\u0161tn\u00ed po\u017eadavky pro dlu\u017en\u00edka; nen\u00ed vy\u017eadov\u00e1na vazba na plat; p\u0159i vkladu \u010d\u00e1stky do 50 000 eur m\u016f\u017ee b\u00fdt p\u0159ips\u00e1na ro\u010dn\u00ed \u00farokov\u00e1 sazba 2,26 %; bezplatn\u00e9 v\u00fdb\u011bry hotovosti a\u017e t\u0159ikr\u00e1t m\u011bs\u00ed\u010dn\u011b z bankomat\u016f euroz\u00f3ny; je vyd\u00e1na bezplatn\u00e1 debetn\u00ed karta; Za platby za n\u00e1kupy v ciz\u00ed m\u011bn\u011b kartou se neplat\u00ed \u017e\u00e1dn\u00e1 provize.<\/li>\n<li> <strong>Cuenta Corriente Imagin<\/strong> (banka: Imagin, dce\u0159in\u00e1 banka CaixaBank): \u017e\u00e1dn\u00e9 provize a \u017e\u00e1dn\u00e9 zvl\u00e1\u0161tn\u00ed po\u017eadavky na dlu\u017en\u00edka; Neexistuje \u017e\u00e1dn\u00fd po\u017eadavek na propojen\u00ed va\u0161eho platu, ale pokud je to mo\u017en\u00e9, banka vyplat\u00ed bonus ve v\u00fd\u0161i 150 eur; Vyd\u00e1v\u00e1 se bezplatn\u00e1 debetn\u00ed karta.<\/li>\n<\/ul>\n<blockquote><p> Nejloaj\u00e1ln\u011bj\u0161\u00edmi bankami v\u016f\u010di cizinc\u016fm bez trval\u00e9ho pobytu ve \u0160pan\u011blsku v roce 2023 z\u016fst\u00e1vaj\u00ed BBVA a Sabadell.<\/p><\/blockquote>\n<p> Pokud m\u00e1te n\u011bjak\u00e9 dotazy ohledn\u011b otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku v roce 2023 nebo m\u00e1te n\u011bjak\u00e9 probl\u00e9my souvisej\u00edc\u00ed s t\u00edmto postupem, na\u0161i specialist\u00e9 v\u00e1m r\u00e1di pomohou. Poskytujeme konzultace a pomoc p\u0159i otev\u0159en\u00ed bankovn\u00edho \u00fa\u010dtu ve \u0160pan\u011blsku za v\u00fdhodn\u00fdch podm\u00ednek pro v\u00e1s. Kontaktujte n\u00e1s jak\u00fdmkoli zp\u016fsobem, kter\u00fd v\u00e1m vyhovuje, nebo <a href=\"https:\/\/alegria-realestate.com\/ru\/service\/opening-a-bank-account-in-spain\">si slu\u017ebu objednejte na na\u0161ich webov\u00fdch str\u00e1nk\u00e1ch<\/a> .<\/p>","protected":false},"excerpt":{"rendered":"<p>Otev\u0159en\u00ed \u00fa\u010dtu ve \u0160pan\u011blsku m\u016f\u017ee b\u00fdt vy\u017eadov\u00e1no za r\u016fzn\u00fdch\u2026<\/p>\n","protected":false},"author":19,"featured_media":499966,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,951],"tags":[],"class_list":["post-499963","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-documents-in-spain"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u041a\u0430\u043a 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