🇪🇸Which banks accept Americans in Spain?

N26's tax help page tells US persons what to provide (US tax ID/W-9-style details) rather than turning them away: implied open. N26's FATCA page asks every customer whether they are a US citizen or green card holder.

Implied open: Openbank's CRS-FATCA self-certification tells US persons to list the United States and their US TIN. Original Spanish: "Si es Persona estadounidense, por favor indique Estados Unidos en la columna de país(es) de residencia, junto con su US TIN" = "If you are a US person, please enter the United States in the country(ies) of residence column, together with your US TIN."

Under the EU/UK PRIIPs rules, IBKR blocks retail clients based in the EEA or UK from buying products that have no Key Information Document (KID). US-listed ETFs usually have no KID. US citizenship doesn't change this. IBKR's alternatives are European UCITS ETFs, CFDs, or reclassification as an elective professional client. For US taxpayers, UCITS funds are generally PFICs, so talk to an expat tax preparer.

DEGIRO says it can't offer services to US persons even if they live outside the US, because it would have to comply with US tax reporting, sanctions and conduct rules. Countries listed are DEGIRO's accepted residence countries that overlap with this site's coverage.

Indexa doesn't open accounts for US persons. It explains that US rules and fund managers' own restrictions (it names Vanguard) would stop it from investing additional contributions or rebalancing.

Lightyear lists 'tax resident or citizen of the United States' among the reasons it can't open an account, even for residents of its UK/EU service area.

For EEA customers, Revolut's Savings Vaults partner terms (deposits held with UniCredit) require that you are not a US citizen under FATCA. This covers the savings product only, not the main Revolut account.

One of Scalable Capital's sign-up requirements is that you are not subject to US taxation. The service is open to residents of Germany, Austria, Italy, Spain, metropolitan France and the Netherlands.

Trade Republic doesn't accept US persons ('FATCA customers'), including US citizens and dual citizens, Green Card holders, anyone born on US territory, and other US taxpayers. Countries listed are Trade Republic markets covered by this site.

Trading 212 doesn't offer accounts to US persons: US citizens, people born in the US, green-card holders and others with US tax obligations. It asks US-born people with a Certificate of Loss of Nationality to contact support. Countries listed come from Trading 212's supported-countries page.

Wise says it can't let US citizens/taxpayers (including dual citizens) switch balances to Interest or Stocks 'because of how our fund partner is regulated'. This entry covers only the Interest/Stocks features in countries where Wise offers them; it does not describe the basic Wise account. If you move to a US address, invested balances are sold back to cash.

Schwab markets brokerage accounts specifically to 'U.S. citizens living abroad', with US-dollar accounts, a Schwab Visa debit card with ATM fee refunds, and 1099 tax reporting. Which products you can get depends on your country of residence.

IBKR treats US citizens as US tax residents wherever they live. Its staff, replying on IBKR's own Campus site, say it offers IRAs to US citizens living anywhere in the world, and that you keep your account when you relocate unless the new country is sanctioned. IBKR may still ask for a new application and asset transfer to its local entity. Your entity follows your country of legal residence.

Fidelity's FAQ for investors outside the US says it doesn't open new accounts for people residing outside the US. Existing customers who move abroad may keep accounts, but they can't buy mutual fund shares (including adding to funds they already hold), and further limits vary by country. Fidelity's site blocks automated fetches, so this was checked against the search-index copy of the official page. Re-check it manually.

Schwab says International clients 'in certain jurisdictions' may no longer be able to buy US-registered ETFs. It offers EU-authorised UCITS ETFs to EEA residents instead, traded through a specialist with foreign transaction fees.

COMMUNITY DATAPOINT, NOT OFFICIAL POLICY. Bogleheads forum members report that after they gave Vanguard a foreign residential address, they could no longer buy or exchange, but could still sell, reinvest dividends and transfer out. Some reported taxable accounts being closed. Experiences vary by country. Vanguard's own legal notice only says its US products are intended for US residents.

Betterment says it only operates in the US and can't accept customers residing outside the US, including US citizens living or working abroad. You need a permanent US address plus an SSN or ITIN. Login may be blocked from some countries.

Firstrade accepts international clients, but only non-US persons. Its help centre says it doesn't accept new applications from US citizens or permanent residents living abroad.

Revolut's trading entities outside the US can't serve US persons (citizens or residents) living outside the US. Only Revolut's US entity serves US persons, and only those residing in the US. The page says nothing about Revolut's everyday account.

Wealthfront requires an SSN, a permanent US residential address and current US residence. It says it can't support clients living outside the US, including US citizens abroad. The page mentions a possible exception for active-duty military and US government employees.