Autónomo banks that collaborate with both Seguridad Social and AEAT
If you’re setting up as an autónomo in Spain, choosing the right bank matters more than you think. To pay your monthly cuota to Seguridad Social and have your taxes automatically deducted by AEAT, your bank account needs to meet three requirements:
- It must have a Spanish IBAN
- It must be with a bank that collaborates with Seguridad Social
- It must also collaborate with AEAT (Agencia Tributaria)
Many banks in Spain only meet one or two of these conditions, and the two official lists of collaborators don’t fully overlap. Neobanks are a particular grey area, some work with one agency, some with the other, and some with neither. It’s important to check this carefully before opening an account.
Important: You must have a bank that collaborates with Seguridad Social in order to pay your autónomo cuota.
If your bank collaborates with Seguridad Social, you can still pay your taxes manually through any bank that offers a Spanish IBAN. That process is less convenient but completely valid and legally acceptable.
It can feel unnecessarily confusing at first, but once it’s sorted, you won’t have to think about it again. Most people only have to deal with this once when registering as autónomo or switching banks.
My full breakdown of what it means to be a “collaborating bank”, how payments work, and what to do if your bank only collaborates with one agency is here: Which banks work with Seguridad Social and AEAT?
I’ve gone through both official lists and pulled out the autonomo banks that are both collaborators with Seguridad Social and AEAT. I’ve done my best to get it right but it can be updated periodically as new banks join. There is currently a process by the neobanks to become Seguridad Social collaborators but it is still being tabled.
The originals lists are also linked under External Resources for cross-checking or updates.
I’ve grouped the banks into two categories:
- Spanish national banks
- Caja/Caixa Rural banks, which typically operate at a regional level
