Top 8 Online Banks In Spain.

April 2025

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Brands Accounts & Pricing Card Highlights Our Rating Next Step
1
  • Basic - Free
  • N26 SMART - €4.90
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Travel insurance with Premium accounts
  • No Currency exchange fees
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A Taste

Highlights

  • Basic - Free
  • N26 SMART - €4.90
  • N26 You - €9.90
  • Metal - €16.90

Top Features

  • Free Standard account
  • Free payments in any currency
  • Free Contactless N26 Mastercard
  • Free additional N26 Maestro card
  • Free ATM withdrawals worldwide
N26 ES Review
2
  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m
  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.51% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
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A Taste

Highlights

  • Earn up to 2% cashback on eligible payments on credit cards.
  • 2.67% Interest rate.
  • 30 day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.

Top Features

  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m
bunq ES Review
3
  • Standard - €0/month
  • Premium - €9.99/month
  • Up to 16% interest on savings accounts on GBP and Euros
  • Manage your currencies in one simple platforms
  • Spend crypto and multiple currencies with Wirex Mastercard
92

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A Taste

Highlights

  • Up to 16% interest on savings accounts on GBP and Euros
  • Manage your currencies in one simple platform
  • Spend crypto and multiple currencies with Wirex Mastercard
  • Up to 10% interest on BTC and ETH

Top Features

  • Standard - €0/month
  • Premium - €9.99/month
  • Elite - €29.99/month
Wirex - ES Review
4
  • $1000 USD annually
  • No hidden fees on card payments, including foreign transactions.
  • Earn up to 1% cashback on every transaction, in Bitcoin.
89

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A Taste

Highlights

  • No hidden fees on card payments, including foreign transactions.
  • Earn up to 1% cashback on every transaction, in Bitcoin.

Top Features

  • $1000 USD annually
Xapo Bank Review
5
  • Free account with 300 virtual and unlimited physical cards
  • Debit, prepaid and disposable cards
  • Expense management solution – free
  • Multicurrency – 10 currencies:  GBP, EUR, USD, other EU currencies
  • For any-type of businesses.
  • Track and control all the business expenses.
  • Fast onboarding.
  • Integrations to CRM and accounting software.
  • Lots of top-up options
  • Tokenized cards.
  • Receipt capture option.
86

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A Taste

Highlights

  • For any-type of businesses.
  • Track and control all the business expenses.
  • Fast onboarding.
  • Integrations to CRM and accounting software.
  • Lots of top-up options
  • Tokenized cards.
  • Receipt capture option.

Top Features

  • Free account with 300 virtual and unlimited physical cards
  • Debit, prepaid and disposable cards
  • Expense management solution – free
  • Multicurrency – 10 currencies:  GBP, EUR, USD, other EU currencies
Wallester EU Review
6
  • No account maintenance fees
  • Deposits are protected by the Swedish Deposit Insurance Scheme
  • No minimum deposit requirement
  • Managed via the Klarna app
  • Automated savings with daily interest
82

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A Taste

Highlights

  • No minimum deposit requirement
  • Managed via the Klarna app
  • Automated savings with daily interest

Top Features

  • No account maintenance fees
  • Deposits are protected by the Swedish Deposit Insurance Scheme
Klarna ES Review
7
  • Standard - Free
  • Plus - €2.99/m
  • 3 months Revolut Premium Free trial
  • Money managing & saving tools
  • UK current account / European IBAN
  • Trade & Use Cryptocurrencies
79

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A Taste

Highlights

  • Standard - Free
  • Plus - €2.99/m
  • Premium - €6.99/m
  • Metal - €12.99/m

Top Features

  • Travel without extra hidden fees
  • Spending analytics
  • Pay and get paid easily
  • Round up on card payments for savings
  • Worldwide ATM withdrawals - up to £200 a month with no fee
Revolut ES Review
8
  • All in 1 Business account
  • 30 Days free trial
  • Basic - From €9/month

 
  • Spanish IBAN, Physical & Virtual card
  • Advanced Bookkeeping and Accounting Tools
  • Upload receipts with camera and attach it to the transaction
  • Automatic VAT detection tool
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A Taste

Highlights

  • All in 1 Business account
  • 30 Days free trial
  • Basic - From €9/month

Top Features

  • Freelancers / SMEs / Enterprises Accounts
  • Spanish IBAN, Physical & Virtual card
  • Initiate and Receive transactions with a click
  • Upload receipts with camera and attach it to the transaction
  • Automatic VAT detection
  • Advanced Bookkeeping and Accounting Tools
qonto - ES - P Review
Best For: Free Digital bank account, Debit card
100% mobile bank account with no monthly fees
N26 Standard Account
9.8
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Unlimited free trades, 4000+ stocks & ETFs
N26 Debit Mastercard for €0/month
Bunq 'Core' Account
9.6
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Earn up to 2% cashback on your payments
Bunq Credit card
Best For: Spend cash & crypto anywhere
Earn up to 8% Cryptoback™ on all purchases
Wirex Account
9.2
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Earn up to 8% Cryptoback
Wirex Multi Currency Debit card
Best For: Bitcoin holders & money movers
3.9% APY on USD deposit
Xapo Bank Premium Account
8.9
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Invest in U.S. stocks & crypto within the app
Xapo Debit Card
Best For: Real-time Expense Control
*No setup or monthly fees
Wallester Business
8.6
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300 free virtual cards
Wallester Visa
Best For: Online Shopping
2.3% de interes en tu cuenta flexs
Klarna Flex Account
8.2
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Klarna
Revolut Premium
7.9
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Revolut card
7.7
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All of the services presented in our website are regulated and licenced.

Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market.

If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others.

Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.