I prepared my NIE and Passport and cycled to the center of Palma. The manager did not speak much English so as the words were technical in nature I struggled to interpret everything in Spanish. In the end we somehow made it work. To cut the long story short, I was told I cannot open an account with the current NIE document as it expired.
I left and called the solicitors who were dealing with my paperwork. After going backwards and forwards with questions a week later I was told the document is NOT expired and in fact it never expires. The solicitor instructed me to call and hand the phone over to the bank manager to understand the issue better.
A week later (on Friday) I made my way to the bank and this time I was directed by the bank manager to another person which speaks fluent English so it was much easier to handle more complex questions. And there were a lot. After being told the same response I called my solicitor and handed the phone who then continued to discuss the issue. In the end, this manager had to get the approval from the branch manager to at least initiate the bank account opening with my social security documentation. This documentation would be sent a day later and dated from today. Even then, the very professional manager had to go through various discussions with the legal team around the opening of the account, very long form fillings and many questions. She kindly asked if I could leave everything with her and she will attempt to process next week once everything is checked with the legal team. Having spent two hours in there I was keen to leave anyway.
By Monday I received the documentation from my solicitors who I then asked to send to the bank manager directly to avoid me going there for the 3rd time. The following day I was notified the account is now active and I am able to login online.
One other issue is that I need to call or I need to attend the branch to order a card which then arrives to my house.
After all the above, I can tell you that almost definitely you will struggle to open an account with a temporary NIE issued to all non-residents in Spain after three months of the date on the paper.
High difficulty opening
So here is my final bit..
You have a residency card (The tarjeta de residencia)
Medium difficulty openingA white paper with your NIE which you presented to the bank within 3 months of the date on the letter. Note that the validity of this letter or NIE never actually expires. Expect a lot of questions and forms to understand your economic situation and no guarantee you will be able to open an account.
Almost impossible opening
Same letter (on the right) only the date at the bottom of the letter has surpassed 3 months from the day you presented it to the bank.
Score opening 5/10