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                                <p>Hi Gladiz &#8211;</p>
<p>On your first two points:</p>
<p>We were hoping to skip the Spanish bank account completely and almost made it through leasing, utilities, school fees and climbing gym memberships.  Sadly setting up internet was our downfall as there was apparently no way to bill monthly service (we had to set up our own as it didn&#8217;t come with our lease) for any of the 5 ISPs except by doing direct bank withdrawl.  </p>
<p>We ended up opening a Ibercaja bank account which couldn&#8217;t happen until we had our actual ID cards and took several trips to the bank due to paperwork the US government requires to ensure you&#8217;re not laundering money.  The upside was meeting our friendly local banker Nieves who is now a good friend. </p>
<p>Like Kris, we&#8217;ve used TransferWise to move funds from the US to our Spanish Bank Account and after an initial block that was part of Ibercaja&#8217;s normal account set-up, it worked well.  Transferwise has a partner company, N26, which in retrospect, I would have used instead of setting up the Ibercaja account.  You might check it out.  The nice part is that N26 gives you up to 6 ATM withdrawls per month free (from any bank&#8217;s ATM) as well as getting you around the 500Euro withdrawl daily limit (there is no limit).</p>
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                                <img alt src="https://secure.gravatar.com/avatar/c0b58831711fb5c3e254c468118a391b?s=44&#038;d=mm&#038;r=g" class="avatar avatar-44 photo jetpack-lazy-image" height="44" width="44" data-lazy-srcset="https://secure.gravatar.com/avatar/c0b58831711fb5c3e254c468118a391b?s=88&#038;d=mm&#038;r=g 2x" data-lazy-src="https://secure.gravatar.com/avatar/c0b58831711fb5c3e254c468118a391b?s=44&amp;is-pending-load=1#038;d=mm&#038;r=g" srcset="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7"><noscript><img alt='' src='https://secure.gravatar.com/avatar/c0b58831711fb5c3e254c468118a391b?s=44&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/c0b58831711fb5c3e254c468118a391b?s=88&#038;d=mm&#038;r=g 2x' class='avatar avatar-44 photo' height='44' width='44' /></noscript><cite class="fn">Kris Mercado </cite><a href="https://frugalvagabond.com/get-non-lucrative-residence-visa-spain/#comment-42280"><time pubdate datetime="2019-12-05T02:25:44-08:00">December 5, 2019 at 2:25 am</time></a>                     </header><!-- .comment-meta -->


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                                <p>Hi Gladiz,</p>
<p>My husband I have been living in spain for the last 6 months.  I use Transerwise and absolutely love it, they give bank rates and have the most economical fees.   We use Sabadell and it was easy to open the account.   We had not trouble entering Spain at all and you just show them your passport.   We use WhatsApp and it is wonderful, phone, text, video chat it has it all.   Also I have Vodofone for my cell service and did the MI Pais which gives you 800 minutes of talk time and you can call to the States with no other fees, I also get 8gb, and you can use in the states with no other fees.  This runs 15.00 Euros a  month.   Best of luck, we love it here.</p>
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                                <img alt src="https://secure.gravatar.com/avatar/bec6efd26a587814de3cdbb6d19b155d?s=44&#038;d=mm&#038;r=g" class="avatar avatar-44 photo jetpack-lazy-image" height="44" width="44" data-lazy-srcset="https://secure.gravatar.com/avatar/bec6efd26a587814de3cdbb6d19b155d?s=88&#038;d=mm&#038;r=g 2x" data-lazy-src="https://secure.gravatar.com/avatar/bec6efd26a587814de3cdbb6d19b155d?s=44&amp;is-pending-load=1#038;d=mm&#038;r=g" srcset="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7"><noscript><img alt='' src='https://secure.gravatar.com/avatar/bec6efd26a587814de3cdbb6d19b155d?s=44&#038;d=mm&#038;r=g' srcset='https://secure.gravatar.com/avatar/bec6efd26a587814de3cdbb6d19b155d?s=88&#038;d=mm&#038;r=g 2x' class='avatar avatar-44 photo' height='44' width='44' /></noscript><cite class="fn">Andy D </cite><a href="https://frugalvagabond.com/get-non-lucrative-residence-visa-spain/#comment-42286"><time pubdate datetime="2019-12-05T09:54:28-08:00">December 5, 2019 at 9:54 am</time></a>                   </header><!-- .comment-meta -->