Autoriza a alguien a gestionar tus cuentas bancarias
Si no puedes ir al banco, otorga un poder notarial para que una persona de confianza haga gestiones en tu nombre: movimientos de fondos, firma de productos o cierre de cuentas.
Free consultation
¿Necesitas un poder para el banco?
Te respondemos en menos de 24 horas.
Qué incluye
¿Qué puede hacer tu representante con un poder bancario?
El poder se redacta a medida con las facultades exactas que necesitas.
Disposición de fondos
El apoderado puede retirar dinero, hacer transferencias y gestionar los movimientos de tus cuentas.
Apertura y cierre de cuentas
Facultad para abrir nuevas cuentas, cerrar las existentes o contratar productos bancarios.
Cobro de pensiones y prestaciones
El apoderado puede cobrar pensiones, prestaciones de la Seguridad Social y cualquier ingreso periódico.
Firma de hipotecas y préstamos
Si lo incluyes en el poder, el apoderado puede firmar préstamos hipotecarios o personales en tu nombre.
Proceso
¿Cómo se tramita un poder para el banco?
El poder se firma ante notario por videoconferencia. Cada banco tiene sus requisitos, y nosotros los conocemos.
Documentación necesaria
¿Qué documentos necesito?
Cada banco tiene requisitos ligeramente diferentes. Redactamos el poder adaptado a la entidad concreta.
Contact us — no obligation →¿Cuándo necesito un poder notarial para el banco?
Las situaciones más frecuentes son:
- Vives en el extranjero y necesitas gestionar cuentas en España
- Una persona mayor no puede desplazarse a la oficina bancaria
- Herederos que necesitan acceder a las cuentas del fallecido
- Empresarios que delegan la operativa bancaria en un empleado o gestor
Los bancos exigen que el poder incluya cláusulas específicas y, en muchos casos, que el poder se presente en original o copia autorizada. Un poder genérico sin las facultades bancarias expresas puede ser rechazado.
¿Todos los bancos aceptan el mismo poder?
No. Cada entidad tiene sus propios requisitos sobre las cláusulas que debe contener el poder. Algunos bancos exigen que se mencione expresamente la entidad, el número de cuenta o las operaciones autorizadas. Nosotros redactamos el poder adaptado a la entidad concreta para evitar que te lo rechacen.
¿Puedo limitar el importe de las operaciones?
Sí. El poder puede incluir límites de importe por operación o por periodo, restringir el tipo de movimientos autorizados (solo consultas, solo transferencias, etc.) y establecer una fecha de caducidad. Tú decides el alcance del poder.
Frequently asked questions
Dudas frecuentes sobre poderes bancarios
Yes. For a person to sell a real estate property on behalf of the owner, a special notarial power of attorney is essential that includes express powers to sell that specific property. A general power may also be sufficient if it expressly includes the power to sell real estate properties.
What the power of attorney must include for selling:
- Exact registry data of the property (catastral reference, address, volume, folio, and registration)
- Price or minimum selling price
- Collection powers (to receive the price and issue a receipt of payment)
- Complementary powers (to cancel the mortgage if any, deliver possession, make fiscal declarations)
At Notaría Online, we process the power of attorney via video call in 24-48 hours. You only need to send us the simple note of the property and the data of the attorney-in-fact.
The legalization of signature is a notarial act distinct from the power. In the legalization, the notary certifies only that a signature is authentic and belongs to the identified person, without creating any representation or authorization. The notary does not attest to the content of the document.
The notarial power, on the other hand, authorizes a person to act on behalf of another for one or several specific legal acts.
When is signature legalization needed?
- Private documents that must be presented to organizations requiring notarial authentication
- Contracts or assignments of rights that will be used abroad
- Administrative applications that require a legalized signature
Signature legalization is faster and more economical than a public deed. It can be processed online with the signatory appearing via video call, as provided by Law 11/2023.
Notarial powers are classified according to their scope:
- General power: authorizes the attorney-in-fact to act in any matter on behalf of the principal (patrimonial, personal, judicial, etc.).
- Special power: limited to a specific act: selling a specific property, signing a specific contract, representing in a specific lawsuit.
- Power for lawsuits: to act in judicial and arbitral proceedings.
- Banking power: to operate accounts, contract financial products, etc.
- Preventive power: for the case of future incapacity of the principal (widely used in dependency planning).
- Irrevocable power: in specific cases, it cannot be revoked unilaterally.
The choice of the appropriate type depends on what the power is needed for. Our team advises on the most suitable modality in each case.
Yes, a power of attorney can be revoked at any time by the grantor, unless it is irrevocable by agreement.
Revocation procedure:
- Grant a notarial deed of revocation before a notary
- Notify the revocation to the attorney (recommendable in a reliable manner: registered mail)
- If the power was used for registry inscription or was notified to third parties, it is also advisable to notify said third parties
Automatic extinction of the power: The power extinguishes without the need for revocation in the event of death, declaration of incapacity, or bankruptcy of the grantor or the attorney, unless it is a preventive power.
It is important to act quickly when you want to revoke a power to prevent the attorney from carrying out undesired acts before receiving the notification.
Yes, exactly the same legal value as a power of attorney granted in person.
The Notarial Law, reformed to allow remote notarial actions, establishes that the notary can authorize public documents by identifying the grantor via videoconference with the required technical guarantees.
The process is identical to the in-person one:
- The notary verifies the identity of the grantor through the DNI/NIE visualized by camera
- The notary reads the document in full
- The grantor gives their consent
- The notary attests to the signature and the content
The resulting document is a notarial public deed with full validity erga omnes, registrable in registers, accepted by banks, administrations, and courts.
Powers of attorney are indispensable in numerous everyday situations:
- Real estate purchase and sale: when the owner cannot attend the deed signing
- Inheritance management: so that an heir can manage the process on behalf of all
- Banking procedures: to operate accounts, contract or cancel financial products
- Representation in judicial proceedings
- Management of properties in Spain from abroad
- Procedures before the Administration: Tax Agency, Social Security, Municipalities
- Signing of rental contracts
- Corporate acts: general meeting, capital increase, etc.
- Dependency planning: preventive power for cases of incapacity
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