Financiación colectiva de Triodos Triodos Bank España
0% /año
- Tarifa de plataforma: 0%
- Tipos de cuenta: bonos verdes
- Inversión mínima: 50 €
- Característica clave: inversión de impacto
Compare Investing & Brokerage in Spain
Live offers across tracked providers in Spain — updated daily from the Giraffy database.
Live offers
41 live offers compared from 15 providers, from 0% /año. Updated daily.
Inversión de Pibank Pibank
0% /año
- Tarifa de plataforma: 0%
- Tipos de cuenta: Solo ETF
- Inversión mínima: 1 €
- Característica clave: ETF sin comisiones
Cartera de ETF de Openbank Openbank
0% /año
- Tarifa de plataforma: 0% (ETF para proyectos de bricolaje)
- Tipos de cuenta: Cuenta de valores, fondos
- Inversión mínima: 1 €
- Característica clave: 0% de comisión de plataforma para ETF directos; seguridad de Santander
MiInversor MyInvestor
0% /año
- Tarifa de plataforma: 0%–0,15%
- Tipos de cuenta: Robo
- Inversión mínima: 1 €
- Característica clave: Carteras perezosas
Carteras de ETF de MyInvestor MyInvestor
0.15% /año
- Tarifa de plataforma: 0,15% de comisión automática; 0 € para ETF propios
- Tipos de cuenta: Cuenta de valores, fondos
- Inversión mínima: 1 €
- Característica clave: Andbank + El Corte Inglés + N26 respaldados
Indexa Capital Indexa Capital
0.40% /año
- Tarifa de plataforma: 0,4%–0,82%
- Tipos de cuenta: Robo
- Inversión mínima: 1.000 €
- Característica clave: Gestión cuantitativa
Degiro ES Degiro
0.50% /año
- Tarifa de plataforma: 1 € + 0,5 %
- Tipos de cuenta: Corredor
- Inversión mínima: 0 €
- Característica clave: Comisiones bajas
Asesor robótico de Indexa Capital Indexa Capital
0.54% /año
- Tarifa de plataforma: 0,41-0,54% anual + TER del fondo
- Tipos de cuenta: Cartera gestión indexada
- Inversión mínima: Mínimo de 3.000 €
- Característica clave: El mayor asesor financiero automatizado de España; 100% pasivo.
Inversión de Kutxabank Kutxabank
0.80% /año
- Tarifa de plataforma: 0,8%–1,2%
- Tipos de cuenta: Financiar
- Inversión mínima: 50 €
- Característica clave: Banco Vasco
Cofidis Invest Cetelem España
0.90% /año
- Tarifa de plataforma: 0,9%
- Tipos de cuenta: Financiar
- Inversión mínima: 50 €
- Característica clave: Inversión accesible
Fondos Mediolanum Banco Mediolanum
1% /año
- Tarifa de plataforma: 1%–1,5%
- Tipos de cuenta: Financiar
- Inversión mínima: 100 €
- Característica clave: Asesor personal
Fondos Unicaja Unicaja Banco
1% /año
- Tarifa de plataforma: 1%–1,5%
- Tipos de cuenta: Financiar
- Inversión mínima: 50 €
- Característica clave: Fondo regional
Globalcaja Fondos Globalcaja
1% /año
- Tarifa de plataforma: 1%
- Tipos de cuenta: Financiar
- Inversión mínima: 50 €
- Característica clave: Cooperativa rural
Invierte ahora para tu futuro Trade Republic
€1 /mes
Invierte ahora para tu futuro de Trade Republic (Investing) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.
- Proveedor: República comercial
Cuenta de inversión MyInvestor MyInvestor
€1 /mes
Invierte desde 1 €. desde MyInvestor (Inversiones) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.
- Proveedor: MiInversor
Plan de capital de Indexa Indexa Capital
€1 /mes
Plan de Indexa Capital de Indexa Capital (Inversión) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.
- Proveedor: Indexa Capital
Tu banco digital experto en inversión MyInvestor
€1 /mes
Tu banco digital experto en inversión de MyInvestor (Investing) en Banking. Oferta en vivo seguida diariamente por Giraffy.
- Proveedor: MiInversor
Menos costes, más rentabilidad Indexa Capital
€1 /mes
Menos costes, más rentabilidad de Indexa Capital (Inversiones) en Banca. Oferta en vivo rastreada diariamente por Giraffy.
- Proveedor: Indexa Capital
Bolsa de Madrid (BME) Degiro
€1 /month
- Proveedor: Degiro
Acciones en EE. UU. y España Degiro
€1 /month
- Proveedor: Degiro
1 Degiro Degiro
€1 /month
- Proveedor: Degiro
Notas y Avisos legales Degiro
€1 /month
- Proveedor: Degiro
Preguntas frecuentes Trade Republic
€5 /mes
Preguntas frecuentes de Trade Republic (Inversiones) en Banca. Ofertas en vivo monitoreadas diariamente por Giraffy.
- Proveedor: República comercial
Tesla en el Nasdaq 2.000 $ Degiro
€7 /month
- Proveedor: Degiro
Degiro 1 Degiro
€7 /month
- Proveedor: Degiro
Te aconsejamos Indexa Capital
€50 /mes
Te aconsejamos desde Indexa Capital (Investing) en Banca. Oferta en vivo monitoreada diariamente por Giraffy.
- Proveedor: Indexa Capital
Invierte Indexa Capital
€50 /mes
Invierte con Indexa Capital (Investing) en el sector bancario. Oferta en tiempo real monitorizada diariamente por Giraffy.
- Proveedor: Indexa Capital
Invierte mientras gastas Trade Republic
€100 /mes
Invierte mientras gastas de Trade Republic (Investing) en Banking. Oferta en vivo monitoreada diariamente por Giraffy.
- Proveedor: República comercial
Deja de pedir deseos Empieza a invertir Degiro
€100 /month
- Proveedor: Degiro
Todos somos inversores, baby Degiro
€100 /month
- Proveedor: Degiro
Degiro Plan Degiro
€100 /month
- Proveedor: Degiro
100 € Degiro
€100 /month
- Proveedor: Degiro
Formación Degiro
€500 /month
- Proveedor: Degiro
Tarifas Degiro
€500 /month
- Proveedor: Degiro
Índices y Cotizaciones Degiro
€500 /month
- Proveedor: Degiro
República Comercial ES Trade Republic
Price on request
- Tarifa de plataforma: 1 € plano
- Tipos de cuenta: Depósito
- Inversión mínima: 10 €
- Característica clave: Cero custodia
Sabadell BStart Banco Sabadell Neo
Price on request
- Tarifa de plataforma: 3 €
- Tipos de cuenta: Corredor
- Inversión mínima: 0 €
- Característica clave: Grupo Sabadell
Inversión en Revolut Revolut
Price on request
- Tarifa de plataforma: 0–7,99 €/mes
- Tipos de cuenta: Corredor
- Inversión mínima: 1 €
- Característica clave: acciones fraccionarias
Degiro España Degiro
Price on request
- Tarifa de plataforma: Desde 1 € + 0,50 €/operación
- Tipos de cuenta: Cuenta de valores
- Inversión mínima: 1 €
- Característica clave: Más de 50 bolsas; el acceso internacional más amplio para inversores de ES
República Comercial España Trade Republic
Price on request
- Tarifa de plataforma: Tarifa plana de 1 € por transacción
- Tipos de cuenta: Cuenta de valores
- Inversión mínima: 1 €
- Característica clave: 4% sobre efectivo no invertido; rápido crecimiento en ES
Acciones N26 N26
Price on request
- Tarifa de plataforma: 0 €
- Tipos de cuenta: Corredor
- Inversión mínima: 1 €
- Característica clave: ETFs dentro de la aplicación
What is investing in Spain?
Investing means putting money into assets - shares, ETFs, index funds, bonds or automated portfolios - with the aim of growing it over time, accepting that values can fall as well as rise. Spanish investors access markets through traditional bank brokerages, low-cost international brokers, and robo-advisers that build and manage a diversified portfolio for you. Index funds and ETFs have grown rapidly as low-cost, long-term options, and interest in passive investing has spread well beyond the traditional saver base.
How the Spanish market works
The market spans several models: execution brokers for buying shares and ETFs directly, fund platforms offering thousands of investment funds, and robo-advisers (gestión automatizada) that allocate your money across index funds by risk profile. A key Spanish quirk is the favourable tax treatment of investment funds: you can switch between funds (traspaso) without triggering capital gains tax, deferring tax until you finally sell - a strong reason funds remain popular locally, especially for long-term portfolios.
Benefits of investing
Long-term growth — historically, diversified investing has outpaced cash and inflation over long periods.
Tax-deferred fund switching — Spanish rules let you move between funds without paying capital gains until you cash out.
Low-cost access — index funds, ETFs and robo-advisers keep fees low, which compounds into higher net returns.
Compounding — reinvested returns build on themselves, so starting early makes a large difference.
How to choose
DIY or managed — a broker suits hands-on investors; a robo-adviser suits those who want a diversified portfolio built and rebalanced for them.
Compare fees — trading commissions, custody fees and fund ongoing charges materially affect long-run returns.
Check the wrapper — funds enable tax-free traspasos, while ETFs and shares are taxed on each sale.
Match risk to your horizon — invest for years, not months, and choose a risk level you can hold through market dips.
Leading providers in Spain
Indexa Capital and MyInvestor are leading low-cost robo and fund platforms, Trade Republic and Degiro are popular low-fee brokers for shares and ETFs, and Banco Mediolanum, Kutxabank, Triodos Bank España and Pibank offer fund and investment services. The right choice depends on whether you want automated portfolios, cheap self-directed trading, or a bank-integrated service. A common approach among Spanish investors is to combine a low-cost index-fund robo-adviser for the core of a portfolio with a broker for occasional direct purchases, keeping both fees and admin to a minimum.
What it costs
Costs on our panel range from zero-commission trading up to portfolio or account fees around 100 euros a year, plus underlying fund charges. Robo-advisers typically charge a small management fee (often well under 1% a year all-in), while direct brokers may charge per trade or offer commission-free ETFs. Lower total costs directly improve your long-term return, so fees deserve as much attention as headline performance.
Protections and regulation
Investment firms and funds are supervised by the CNMV (Comisión Nacional del Mercado de Valores). Client assets held by a Spanish-authorised firm are protected by FOGAIN (Fondo de Garantía de Inversiones) up to 100,000 euros if the firm fails - note this covers firm failure, not investment losses. Gains and dividends are taxed in the IRPF base del ahorro from 19% up to 28%.
Common questions
Can I lose money? — Yes; investments carry risk and values fluctuate, so invest for the long term with money you will not need soon.
How is investing taxed? — Capital gains and dividends are taxed as savings income; fund-to-fund traspasos defer the tax.
Is my money protected? — FOGAIN covers firm failure up to 100,000 euros, but not market losses.
How much do I need to start? — Many platforms let you begin with small amounts, and regular contributions build a portfolio over time.
Investing & Brokerage in Spain — FAQ
How do I start investing in Spain?
Giraffy tracks 5 investing platforms across Triodos Bank España,Pibank,Openbank,MyInvestor providers in Spain. Most platforms let you open an account online in minutes. Consider your risk tolerance, investment horizon, and whether you want self-directed or managed portfolios before choosing a platform.
What are platform fees and why do they matter?
Platform fees are what you pay to hold investments — typically an annual percentage of your portfolio (0.15–0.45%) or a flat monthly fee. On a £50,000 portfolio, a 0.1% difference in platform fee is £50/year — small annually but significant compounded over decades. Compare total cost: platform fee plus fund charges (OCF/TER).
What is the difference between ETFs, index funds, and individual stocks?
ETFs (Exchange-Traded Funds) and index funds both hold a basket of securities tracking a market index — they provide instant diversification at low cost. Individual stocks are single-company shares with higher risk and potential return. Most long-term investors start with low-cost index funds or ETFs before branching into individual stock picking.
Is my money protected if my investing platform fails?
Investor protection varies by market. In the UK, the FSCS covers up to £85,000 in eligible investments per firm. In the US, SIPC covers up to $500,000. In Spain, check whether your platform is Banco de España-regulated — this determines what protection applies.
What is a minimum investment amount on investing platforms?
Many platforms in Spain now offer fractional shares and funds with minimums as low as £1 or equivalent. Traditional brokers may require a minimum opening deposit of £500–£5,000. Compare minimums on each deal card if you're starting with a small amount.
What taxes apply to investment returns?
Investment returns may be subject to capital gains tax (on profits when you sell) and income tax (on dividends). Rules differ significantly between markets — in Spain, check the Banco de España's guidance or consult a tax adviser. Using tax-efficient wrappers (ISA in the UK, TFSA in Canada, etc.) where available can significantly reduce your tax bill.
What is the difference between active and passive investing?
Passive investing tracks a market index (e.g. S&P 500, FTSE All-World) via index funds or ETFs — low cost, broad diversification, and typically outperforms most active funds over 10+ years. Active investing involves fund managers (or you) selecting individual securities trying to beat the market — higher cost, higher risk, mixed results.