Pre-arrival
Your Spanish account,
from your home country.
Moving to Spain means paying Spanish institutions from abroad: the visa, the insurance, the university, the lawyer. Every payment is international, slow and expensive, because you don't have a Spanish account yet. Open one now, with just your passport. No NIE, no TIE. Pay all of it like a local.
Your IBAN with no NIE/TIE.
Pay like a local.
What you can do
From day one.
Not from the day you have the right papers.
Pre-arrival
Proof of funds deposit
Pre-arrival
Convert
local currency
Arrival
Link your utilities
Settling
Invite your family members
Settling
Global
credit score
Arrival
Spend with Denaro card
The things that really block you when you move go well beyond the bank, and we care about standing beside you at every step.
Beyond the account
Starting over is not only
a question of money.
The things that really block you when you move go well beyond the bank, and we care about standing beside you at every step.
Legal support: the paperwork, with someone who has done it before
Extranjería, renewals and tax returns with professionals we pick ourselves. Not one more form: a person who answers.
Deadline calendar: what expires, and when
NIE, TIE, padrón, permits, contracts. Every date in one place, and a reminder while there is still time to renew.
Proof of residence: the months you have been here, on paper
Arraigo is counted in months, and you have to prove them. Padrón, certificates and dates kept together from your first week.
Telemedicine included: a doctor online who speaks your language
Even without a tarjeta sanitaria, even on a Sunday night. Because waiting until you feel worse is not a plan.
Health insurance: cover while the public card arrives
The tarjeta sanitaria can take months, and until it comes every consultation is paid out of pocket. Visits, tests and emergencies, explained in your language.
Seguro de decesos: the expense nobody wants to name
When someone dies far from home, the repatriation costs thousands, all at once. Cover that takes care of it, and of the paperwork between two countries.
eSIM: a Spanish number from day one
Before the address, before the account. Activate it from the app when you land, and keep the number from home if you want it.
Homologación de título: your qualification, recognised
You studied, and it counts here too. We hand you the homologación without losing a year working out where to begin.
HACCP: the food handling certificate they ask for
Kitchens and hospitality want it before your first shift. Course and certificate online, ready before the interview.
The services described are still being defined and may change at launch.
Your family
Your family is on the other end.
So is Denaro.
You're in Spain. They're at home. Today what connects you is a cash agent neither of you chose. With Denaro they have the account too. What you send lands in theirs. What they send reaches yours. And when one of them decides to come, they're already in.
Support them from here
Every month, straight into their account. No agent, no pickup, no waiting for Monday.
Let them support you
In the first months, before your first salary, they can send to you the same way. That's how the deposit gets paid more often than anyone admits.
Bring them with you
When your brother or your mother decides to follow, they open their Spanish account from home, like you did. They start with everything you already have.
For you
If you're moving to Spain, this is for you.
Madrid or Málaga. A job, a master's, or joining someone who's already there. You will open it from wherever you are with the passport you already have.