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Change the bank account in Seguridad Social (INSS benefits and TGSS contributions)

Retroactive registration: 60 days. After that, contributions are not recognised.

Use this to change the IBAN where INSS pensions/benefits are paid or where TGSS charges (self-employed contributions, employers) are taken. Handy if you opened a new account or your bank changed the IBAN.

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Fuente oficial enlazada6 steps6 documents
Plazo
TGSS: immediate for future charges; INSS: 3-10 días hábiles (si lo haces tras el cierre de nómina, al mes siguiente)
Coste
Gratuito
Oficial
Fuente oficial

What GovEasy does

  • Prepares your case file and documentation
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What the agency does

INSS / TGSS

  • Receives and reviews your application
  • Issues the resolution or official document

Guía completa

What you need to have ready
  1. Cl@ve (PIN or Permanent), certificado digital or DNIe. Without electronic ID you’ll need a face-to-face appointment.
  2. New IBAN and, if it’s a foreign SEPA account, the BIC/SWIFT as well.
  3. Certificado de titularidad bancaria (your bank can give you a PDF in minutes).
  4. If the account isn’t yours: signed authorisation from the holder + their DNI.
  5. Your details: NAF/CCC for TGSS contributions; benefit file number for INSS payments.
Documentation
  • DNI/NIE of the person submitting the request.
  • IBAN of the new account (and BIC if it’s a foreign SEPA account).
  • Certificado de titularidad of the account (PDF or clear photo).
  • Authorisation from the account holder and their DNI if you’re not the holder/co-holder.
  • NAF/CCC (for TGSS) or file/benefit number (for INSS).
Step by step
  1. Choose what to change: contributions (TGSS) or benefit payments (INSS). They’re handled on different portals.
  2. TGSS (contributions): go to https://importass.seg-social.es, log in, go to Tu perfil > Cuenta bancaria and click Cambiar IBAN. Enter the IBAN, validate and save the receipt.
  3. INSS (benefits): go to https://tu.seg-social.gob.es, access with Cl@ve/certificado, go to Tus prestaciones > Pagos > Cambiar cuenta bancaria. Enter the new IBAN and confirm.
  4. Upload documents if requested: certificado de titularidad and the account-holder authorisation if it’s not your account.
  5. Check status: in Import@ss you’ll see the IBAN active for charges; in Tu Seguridad Social you’ll see the account linked to your benefit.
  6. If you can’t do it online: request cita previa at https://sede.seg-social.gob.es (select INSS or TGSS), bring DNI, IBAN and certificado de titularidad. They’ll record it at the counter.
  7. Verify the result: watch the next autónomos debit or the next INSS deposit. If it fails, fix the IBAN or upload the certificado.
Time-saving tips
  • Do it before the 20th: you avoid the INSS payroll cut-off and TGSS direct-debit files.
  • Always attach the certificado de titularidad: even if they don’t ask, it reduces verification rejections.
  • Be co-holder if you can: add your name on the bank account and you avoid authorisations.
  • Save the receipt as PDF: if a payment goes to the wrong account, it’s your proof for complaints.
Common mistakes that mess up the process
  • Entering a prepaid account IBAN or an account that won’t accept direct debits: TGSS will reject it and you’ll get a surcharge.
  • Changing after the cut-off: the payment goes to the old account and you have to chase it.
  • Not being the account holder and not uploading authorisation + DNI: your request gets denied.
  • Entering a foreign IBAN without the BIC: the system will ask for extra data and leave it pending.
  • Forgetting TGSS and INSS are separate: changing contributions doesn’t change benefit payments. Do both if needed.
  1. 1.Decide what you need to change: TGSS contributions/charges (autónomos domiciliation or CCC) via https://importass.seg-social.es or INSS benefit payments via https://tu.seg-social.gob.es.
  2. 2.TGSS contributions: go to https://importass.seg-social.es, identify yourself with Cl@ve or certificado digital, open Tu perfil > Cuenta bancaria and click Cambiar IBAN. Enter the new IBAN and confirm.
  3. 3.INSS benefits: go to https://tu.seg-social.gob.es, log in with Cl@ve or certificado digital, go to Tus prestaciones > Pagos > Cambiar cuenta bancaria. Type the new IBAN and validate.
  4. 4.If the system cannot verify the IBAN, upload the certificado de titularidad bancaria (PDF) and, if needed, the signed authorisation from the account holder.
  5. 5.If you can’t do it online, request cita previa at https://sede.seg-social.gob.es (choose INSS or TGSS depending on your case). Bring DNI, IBAN and the certificado de titularidad. They’ll process it at the counter.
  6. 6.Keep the receipt. Check the next autónomos charge or the next INSS payment to confirm money goes in/out from the new account.
  • DNI/NIE of the holder (and of the representative if you act for someone else)
  • Full IBAN of the new account (if it’s a foreign SEPA account, IBAN and BIC/SWIFT)
  • Bank account ownership certificate issued by your bank (PDF or a legible photo)
  • If the account is not in your name: signed authorisation from the account holder + copy of their DNI
  • For TGSS contributions: your NAF (número de afiliación) and, if you’re a company, the CCC affected
  • For INSS benefits: file number or details of your benefit/pension (you can see this in Tu Seguridad Social)

¿Qué necesito para completar Cambio cuenta bancaria sin que me lo rechacen?

Cambio cuenta bancaria es gratuito en INSS / TGSS y se puede presentar por cuenta propia. El punto que interrumpe el trámite es que hace falta Cl@ve activa, y si no está dada de alta el registro previo puede tardar días. Además, el formulario tiene 6 pasos y la sesión de la sede caduca antes de terminar si se interrumpe. GovEasy prepara el expediente completo y comprueba los datos antes de tocar la sede, y si no tienes la identificación digital o la cita, un gestor colegiado del marketplace la gestiona y lo presenta por ti.

  • Cl@ve activa (PIN o permanente)
  • GovEasy (extensión + gestor colegiado)
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Your progress

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  1. Understand
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Your next step

1.Decide what you need to change: TGSS contributions/charges (autónomos domiciliation or CCC) via https://importass.seg-social.es or INSS benefit payments via https://tu.seg-social.gob.es.

  • We validate documentation before submission
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