Compare Bank Accounts in Spain

Live offers across tracked providers in Spain — updated daily from the Giraffy database.

Live offers

25 live offers compared from 14 providers, from £3.99 /mes. Updated daily.

Revolut Plus Revolut

£3.99 /mes

Revolut Plus de Revolut (Cuentas bancarias) en Banca. Oferta en tiempo real monitorizada diariamente por Giraffy.

  • Plan: Más

Cuenta Openbank Openbank

€5 /mes

✔Usa tu tarjeta y Bizum, suma puntos y gana un iPhone 17 Pro Max✔1 compra de Bizum (mín. 5€) = 1 punto de Openbank (Cuentas Bancarias) en Banca. Oferta en vivo rastreada diariamente por Giraffy.

  • Proveedor: Banco abierto

Revolut Premium Revolut

£7.99 /mes

Revolut Premium de Revolut (Cuentas bancarias) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.

  • Plan: De primera calidad

Revolut Metal Revolut

£14.99 /mes

Revolut Metal de Revolut (Cuentas bancarias) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.

  • Plan: Metal

Revolut Ultra Revolut

£45 /mes

Revolut Ultra de Revolut (Cuentas bancarias) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.

  • Plan: Ultra

Aquí estás en buenas manos Openbank

€200 /mes

Aquí estás en buenas manos de Openbank (Cuentas Bancarias) en Banca. Oferta en vivo rastreada diariamente por Giraffy.

  • Proveedor: Banco abierto

Revolut Standard Revolut

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Ninguno
  • Característica clave: Análisis presupuestario
  • Tipo de cuenta: Digital

Cuenta de Openbank Openbank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: Genera intereses
  • Tipo de cuenta: Actual

Santander 1 2 3 Banco Santander España

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 3-9 €/mes
  • Sobregiro: Disponible
  • Característica clave: 3% de reembolso
  • Tipo de cuenta: Actual

Sabadell Online Banco Sabadell

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: Transferencia instantánea
  • Tipo de cuenta: Actual

Kutxabank Cuenta Kutxabank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: red vasca
  • Tipo de cuenta: Actual

Pibank Cuenta Pibank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Ninguno
  • Característica clave: interés del 3%
  • Tipo de cuenta: Digital

Triodos Cuenta Triodos Bank España

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: Banca ética
  • Tipo de cuenta: Actual

Norma N26 N26

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Ninguno
  • Característica clave: Tarjeta MasterCard
  • Tipo de cuenta: Digital

Bankinter Cuenta ES Bankinter

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 € (con nómina) o 3 €/mes
  • Sobregiro: Descubierto disponible
  • Característica clave: Los índices de satisfacción del cliente más altos de España; hipotecas y banca.
  • Tipo de cuenta: Online + sucursal

BBVA Cuenta Online ES BBVA

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €/mes (con condiciones)
  • Sobregiro: Descubierto disponible
  • Característica clave: Sin comisiones; promociones de reembolso; mercado BBVA Valora
  • Tipo de cuenta: Online + sucursal

CaixaBank imagina Cuenta CaixaBank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 € (imagina) o desde 5 €/mes (servicio completo)
  • Sobregiro: Descubierto disponible
  • Característica clave: El banco número 1 de España; imagin es una plataforma digital sin comisiones; más de 5000 cajeros automáticos.
  • Tipo de cuenta: Online + sucursal (imagina: solo aplicación)

Openbank Cuenta ES Openbank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €/mes
  • Sobregiro: Sin descubierto
  • Característica clave: Grupo Santander digital; 4,17% en ahorros (condicional); sin comisiones.
  • Tipo de cuenta: En línea + aplicación (banco digital)

Revolut España Revolut

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 € estándar o 9,99 €+/mes
  • Sobregiro: Sin descubierto
  • Característica clave: Multidivisa; mejores tipos de cambio; tarjeta metálica; acceso a criptomonedas
  • Tipo de cuenta: Solo para la aplicación

Unicaja Cuenta ON Unicaja Banco

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: Cuenta en línea
  • Tipo de cuenta: Actual

bunq Core bunq

Price on request

bunq Core personal plan. Current bunq tiers: Free / Core / Pro / Elite.

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: €3,99/mes
  • Sobregiro: Ninguno
  • Característica clave: Plantación de árboles
  • Tipo de cuenta: Digital

Banco de autoservicio de Mediolanum Banco Mediolanum

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Ninguno
  • Característica clave: Acceso del asesor
  • Tipo de cuenta: Actual

BBVA Cuenta Clara BBVA

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: 0% durante 1 año
  • Tipo de cuenta: Actual

CaixaBank Smart CaixaBank

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €
  • Sobregiro: Disponible
  • Característica clave: Aplicación Imagine
  • Tipo de cuenta: Actual

N26 Cuenta ES N26

Price on request

  • Tutela del deposito: Subvenciones DGS de la UE: hasta 100.000 €
  • Cuota mensual: 0 €/mes
  • Sobregiro: Sin descubierto (Estándar)
  • Característica clave: Smart: presupuesto; Maestro + Visa; Ahorro N26 (2,26% TAE)
  • Tipo de cuenta: Solo a través de la aplicación (Neobanco)

What is a bank account in Spain?

A current account (cuenta corriente) is the everyday account Spaniards use to receive salary, pay bills by direct debit (domiciliación), and spend with a debit card. It usually comes with an IBAN, a card, and app access. Spain also has a thriving market of digital and neobank accounts that offer fee-free basics, instant cards and multi-currency features alongside the traditional high-street banks, so most consumers can find an account that avoids maintenance charges entirely.

How the Spanish market works

Traditional banks such as Santander, BBVA, CaixaBank and Sabadell historically charged maintenance and administration fees, but often waive them if you domicile your payroll, set up a minimum number of direct debits, or hold other products. That reliance on fees created an opening for digital players - Openbank, N26, Revolut and bunq - which built market share by offering genuinely free everyday banking. Many consumers now run a traditional account for mortgages and payroll alongside a fee-free digital account for spending, taking the best of both worlds.

Benefits of the right account

Fee avoidance — the biggest saving is dodging maintenance and card fees, either by meeting a bank's conditions or choosing a free digital account.

Welcome bonuses — some banks pay cash or a percentage back for moving your payroll, worth up to a few hundred euros.

Instant tools — digital accounts add real-time notifications, spending analytics, sub-accounts and instant card freezing.

Bundled perks — payroll accounts often throw in free transfers, cashback on bills or preferential rates on other products.

How to choose

Payroll or no payroll — if you can domicile a salary, a traditional bank's cuenta nómina can be fee-free with perks; if not, a digital account avoids conditions altogether.

Read the fee schedule — check maintenance, card, cash-withdrawal and transfer fees, not just the headline.

Cash access — if you handle cash, check the ATM network and any withdrawal limits on digital accounts.

Consider your goals — pick a bank you would also use for a mortgage or savings if bundling could earn you better rates.

Leading providers in Spain

Banco Santander España, BBVA, CaixaBank, Sabadell and Kutxabank anchor the traditional side with branches and full product ranges. Openbank offers a digital account backed by Santander, while Revolut and N26 lead the neobank segment on free everyday features and app experience. The right pick depends on whether you value branches and bundled mortgages or purely low-cost, app-first banking.

What it costs

Many accounts on our panel are free when conditions are met, with paid or premium tiers running from around 3.99 euros a month up to about 200 euros a year for accounts that bundle insurance, higher cashback or metal cards. Watch for out-of-network ATM fees, non-euro transaction charges and fees for paper statements or urgent transfers, which can quietly add up even on an otherwise free account.

Protections and regulation

Balances in Spanish-licensed banks are covered by the FGD up to 100,000 euros per person per bank; accounts from EU neobanks are covered by their home-country scheme at the same level. Banco de España supervises payment services, and the SEPA rules give you the right to instant euro transfers and easy account switching. Strong Customer Authentication protects online card and app payments.

Common questions

Can non-residents open an account? — Yes; banks offer cuenta de no residente options, and most neobanks accept EU residents readily.

Is my digital account's money safe? — If the provider holds a full banking licence, the 100,000-euro guarantee applies; e-money accounts instead safeguard funds separately.

How do I switch banks? — SEPA switching lets your new bank move direct debits and standing orders for you.

Can I have more than one account? — Yes; many people keep a traditional account for payroll and a digital one for day-to-day spending.

The cheapest Bank Accounts in Spain is £3.99 /month from Revolut.

Bank Accounts in Spain — FAQ

What documents do I need to open a bank account in Spain?

Typical requirements are a government-issued photo ID (passport or national ID card) and proof of address (utility bill or bank statement dated within 3 months). Some banks in Spain also require a proof of income or an employment letter. Digital-only banks often verify identity entirely via an app — no branch visit needed.

Can I open a bank account online without visiting a branch?

Many banks in Spain now offer fully digital account opening via their app or website, completed in minutes. You'll upload your ID documents and in some cases do a short video verification. Traditional high-street banks may still require an in-person appointment for certain account types.

Are my deposits protected if a bank fails?

Yes — the FGD (Fondo de Garantía de Depósitos) protects up to €100,000 per person, per bank. Check that your chosen bank is Banco de España-regulated before depositing. If you hold more than the limit, spread balances across separate banking licences to keep everything covered.

What is the difference between a current account and a savings account?

A current account is for everyday spending — it comes with a debit card, direct debits, and a local bank identifier (sort code, IBAN, or BSB depending on your market). A savings account is designed to hold money you don't need immediately and usually pays a higher interest rate, but may limit the number of monthly withdrawals.

What is a challenger bank and is it safe?

Challenger banks are digital-first institutions — examples include Monzo, Revolut, and N26 across Europe, Chime and SoFi in the US, and neobanks like STC Pay in the Gulf. They're generally safe — most are Banco de España-regulated and offer the same deposit protection as traditional banks — but check the specific licence before depositing large sums.

How long does it take to open a bank account?

Digital accounts typically open within 10–30 minutes once your identity is verified. Traditional bank accounts may take 1–5 working days after in-branch verification. International or business accounts sometimes take longer due to enhanced due diligence requirements.

Do bank accounts charge monthly fees?

Giraffy tracks 5 current account options across Revolut,Openbank banks in Spain. Many accounts are free; premium or packaged accounts charge a monthly fee and include benefits like travel insurance or breakdown cover. Filter by 'No Monthly Fee' to find free options.