I recently installed an app on my phone to use my BancSabadell account, nothing fancy, just to check my bank info. I was having trouble logging in and couldn’t figure out why. This is the screen I could see on my mobile:

Keep in mind that “Particular” means Individual. I entered my user name and password, exactly like I do on the web site, but to no avail.

As it turns out, apparently being a foreign resident in Spain disqualifies me from being an  “Individual” person. I guess I should have known that I’d have to click on the drop-down menu and select “NIE” (which is the foreign residency card in Spain) instead of Individual.

Way to keep the customer in mind, Sabadell!