The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers
Affiliate link — we earn a referral fee if you fund the account. How we work .
All 7 available in Spain.
Specifics for Spain.
Spain has the highest projected neobank CAGR in Europe at ~36% through 2031. Trade Republic hit 1M users and opened a local branch in 2025.
Compare neobanks by what matters most.
Same 7 banks, different lens. Pick the angle closest to how you'd actually use the account.
Best savings accounts
Ranked by rate, currency, and DGS protection.
Premium plans compared
Metal cards, lounges, travel insurance — what's actually worth paying for.
Best for travel
FX markup, ATM limits, lounge access by tier.
Post-MiCA crypto picture
Which neobanks hold a CASP licence, which still offer in-app trading.
Investing inside a neobank
Stocks, ETFs, and savings plans without leaving the app.
Business banking in the EU
Qonto, Wise Business, N26 Business and the rest, ranked.
Head-to-head comparisons.
If you're weighing two of the top names in Spain, a direct comparison is usually faster than reading two reviews.
N26 vs Revolut
Side by side across fees, licence tier, and deposit protection.
Revolut vs Trade Republic
Side by side across fees, licence tier, and deposit protection.
Revolut vs Wise
Side by side across fees, licence tier, and deposit protection.
N26 vs Trade Republic
Side by side across fees, licence tier, and deposit protection.
Is your money actually protected in Spain?
4 of the 7 neobanks available here hold a full credit-institution licence with €100,000 DGS cover; the rest "safeguard" money at a custody bank, which is not insurance. Read the distinction in our deposit-protection guide, or jump to the live DGS tracker for the current per-bank status.