Change bank account to receive unemployment/subsidy (SEPE)

What you need at hand

1. Cl@ve, certificado digital o DNIe (to do it cleanly online).
2. IBAN new (from Spain, ES..) without mistakes.
3. Proof of ownership: bank certificate or statement with your name and the IBAN visible.
4. DNI/NIE valid.
5. If someone does it for you: signed authorisation and DNI/NIE of both.

Documentation

• DNI/NIE and, if applicable, passport.
• IBAN ES of the new account.
• Certificate of ownership or statement with your name + IBAN (screenshots where the holder doesn’t appear are not valid).
• Identification method: Cl@ve, certificate or DNIe.
• Phone number and email for SEPE notices.

Step by step

1. Go to the sede: https://sede.sepe.gob.es.
2. Go to Personas > Prestaciones > Modificar cuenta bancaria and identify yourself with Cl@ve, certificate or DNIe.
3. Choose the active benefit/subsidy and enter the full new IBAN.
4. Attach the proof of ownership (PDF/JPG legible). If it’s a joint account, make sure your name appears.
5. Sign the request (Cl@ve Firma or certificate) and download the receipt of registration.
6. Check your benefits file to confirm the IBAN is updated. If you don’t have signing methods, use the Pre-solicitud: https://sede.sepe.gob.es/PreSolicWeb/ (option Variación de datos), attach the documents and wait for confirmation.
7. In‑person only if necessary: book a cita at https://sede.sepe.gob.es/citaprevia/solicitudCitaPrevia.do and bring original and copy of the proof.

Tricks that save time

• Certificate of ownership from the bank in PDF: many banks give it in 1 minute via the app and it avoids silly rejections.
• Do the change before month‑end. You avoid the payroll cut‑off and being paid into the old account.
• If Cl@ve Firma on mobile fails, use a computer and an updated browser. Save the registration number.
• If you have multiple benefits (e.g. contributory and subsidy), update each one if the system asks.

Common mistakes that can derail the process

• IBAN typed wrong: double‑check. One digit wrong and they reject or delay the payment.
• Blurry proof or missing holder name: automatic rejection.
• Third‑party account where you are not co‑holder: they won’t accept it.
• Foreign IBAN (DE, LT…): SEPE doesn’t pay outside Spain.
• Doing the change after payroll cut‑off: that month you’ll be paid to the old account. Plan ahead.