softlad

Looking to open a bank account in Spain with Bankinter. Apparently as a non-resident (I visit 8/9 times a year and own property here) I need the above document which I believe I get from the local comisaría. Is that right? Seems nuts even by the standards of Spanish bureaucracy that you need a document to prove that you don't have the other one (residente). Does have anybody have any experience of this? As always, many thanks for any help and advice
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DLC

This is right.

Maybe it's nuts but the alternative of gathering together all the details of your life outside Spain and getting them translated to prove you don't live in Spain is more nuts.

spainrico

Have you thought of using Wise?

softlad

Good point. I'll call in the cop shop before I head home in a couple of days, if I get the chance to start the ball rolling. Thanks for the reply.

softlad

I do use Wise and I started a thread a month or so back and somebody suggested getting a card with them (could have been yourself). I need to bone up a bit on how having an account works in practice. At the moment I pay €120 pa to be with Sabadell. Not exactly a fortune but, as we get free banking in the UK and I am never overdrawn it feels a bit of a rip off. Thanks for your reply.

softlad

Sorry, one thing I should have asked, did this document always exist or is it just a post Brexit thing?

UKMS

If you own property do you pay tax on it as a non resident ? ..... surely this in itself formally proves non residency.

softlad

Sorry not sure I understand the question. I have just paid off the mortgage. Are you talking about the tax non-residents pay on the coast as the authorities assume you must rent it out for some of the year because you don't live there full time? I'm in Madrid. I might be in for a nasty shock but I don't believe that exits in Madrid. I do pay Madrid council tax of about €200 pa.

UKMS

This is a quick snip from an online informational

Non-Resident Imputed Income Tax

Non-Resident Imputed Income Tax (Impuesto sobre la Renta de No Residentes - IRNR) applies to non-resident property owners who do not rent out their Spanish property. This tax is levied on the property even if it is only for personal use or remains vacant throughout the year. The submission of this tax is done annually through the Spanish Tax Form Modelo 210, to the Agencia Tributaria (national tax authority). The deadline is 31st December each year, for the previous year

UKMS

In a nutshell any non resident who pays this is registered as a non resident and a copy of your tax return would be proof that you are such (but sounds as though you dont )

softlad

Thanks. I have never paid this tax. Sounds like I should have been and am somehow under the radar. How much would I pay and how is it calculated. How best to keep avoiding it? 😂

UKMS

Others with greater knowledge im sure will chip in. I dont have the calculation or exact amount to hand but I pay 2-300euro per year on an apartment that is never rented and just our bolthole. I also pay tax based on rental income for another apartment. Cant advise how to stay under the radar ha ha . A slight tangent I just discovered by accident that our council tax bill was unpaid from 2014 due to an error on the direct debit, we have paid every year since then and never had a single reminder about 2014, 400euro bill had become 600 as they had added penalty interest. (This is all in Tenerife North).

softlad

All things considered with the risk of having to pay that tax I was not aware of, I think I'll either bite the bullet and stick with Sabadell or see if a Wise account works for me. I think I'll swerve getting the non-residents document as I risk being remumbled for the above mentioned tax.

softlad

Thanks for the information. I do pay the council tax and am glad to do so. I know these things are often comparing apples with oranges but Madrid, even the really working class district where I live, has a standard of cleanliness that would make most British city dwellers weep.

UKMS

We have a Sabadell account and I use Wise in combination. I was going to ditch Sabadell but then decided against it as too much hassle. Wise mostly works well but I have had a couple of direct debits fail even though they seemed to be set up correctly.