Renting Offices & Opening a Business Bank Account in Marbella – Legal Guide for Foreigners

🏙️ Business Premises in Marbella – Your Options

To legally operate in Marbella, your business must have a registered address. This can be:

Type Ideal For
Traditional office Law firms, agencies, consultancies
Retail/Commercial Boutiques, salons, real estate
Co-working space Freelancers, startups, remote teams
Virtual office Remote companies needing a fiscal address
Industrial units Storage, logistics, import/export

We help you secure a compliant location and review lease agreements.


📝 Commercial Lease Terms in Marbella

Key points to check before signing:

  • Zoning: Is the property approved for business use?

  • Duration: Standard is 5 years, renewable

  • Deposit: Usually 2–3 months upfront

  • Termination: Are there penalties for early exit?

  • Repairs & utilities: Know who’s responsible

📌 Contracts are typically in Spanish — we review and translate all leases for legal clarity.


📋 Documents Needed to Rent a Property

Entity Type Required Documents
SL Company NIE, CIF, incorporation deed, POA if remote
Freelancer NIE, Modelo 036 or 037, ID
Foreign Company Passport, Spanish legal rep, company ID

💡 We also offer virtual office addresses in Marbella for legal compliance and mail forwarding.


💶 Typical Office Rental Prices in Marbella

Space Type Rent Range (€/m²/month)
Traditional office €10–€20
Retail/commercial €20–€40 (prime locations)
Co-working desk €150–€300/month
Virtual office €30–€60/month
Industrial unit €5–€8

Prices vary depending on neighborhood — Puerto Banús, Nueva Andalucía, and the Golden Mile are most premium.


🏦 Opening a Business Bank Account in Marbella

A business account is required for:

✅ SL company incorporation
✅ Tax registration (AEAT)
✅ Social Security setup
✅ Payroll and supplier payments

You can open an account in person or remotely via Power of Attorney.


🏛️ Best Banks in Marbella for Foreign Entrepreneurs

Bank Foreign-Friendly English Service Notes
Sabadell ✅ Yes ✅ Yes Ideal for SLs and freelancers
CaixaBank (HolaBank) ✅ Yes ✅ Yes Expats-focused service
BBVA ✅ Yes Partial Modern platform, competitive fees
Santander ✅ Yes Limited Strong presence across Spain
N26 Spain ✅ Yes ✅ Yes 100% online (freelancers only)

We coordinate appointments or POA access with Marbella branch managers.


📑 Documents Required to Open an Account

SL Company Freelancer (Autónomo)
NIE & CIF NIE & Modelo 036 or 037
Notarized incorporation deed Proof of address
Registered address certificate Digital certificate (optional)
POA (if not attending in person) Passport or ID

📌 We assist with all Spanish paperwork, including bilingual support and sworn translations when needed.


🕒 Bank Account Timeline

Step Time Estimate
Get NIE & CIF 5–10 days
Sign POA (if needed) 1–2 days
Bank appointment 3–7 business days
Capital deposit certificate 1–2 days after deposit
SL incorporation completes ~2 weeks total

💼 We streamline the process so you can incorporate quickly and securely.


❌ Common Mistakes to Avoid

⛔ Renting non-commercial property for business use
⛔ Signing lease contracts without legal review
⛔ Using a personal bank account for SL expenses
⛔ Missing the capital deposit certificate for incorporation
⛔ Choosing a bank unfamiliar with foreign clients


🧑‍💼 Our Legal Setup Services in Marbella

Borderless Lawyers provides:

✅ Lease reviews & virtual office setup
✅ Notarized POA & NIE application
✅ Business bank account opening (in-person or remote)
✅ SL incorporation and tax registration
✅ Full bilingual support with local Marbella banks


📞 Need Help Renting a Business Location or Opening a Bank Account in Marbella?

We make it easy to set up your legal presence — without stress or translation headaches.

👉 Contact us today for legal support with office rentals and banking in Marbella.

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