El mejor neobanco de Spain, 2026

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

Revolut opened a Spanish branch; ES IBAN available. App in Spanish.

Full German banking license (BaFin) combined with a sleek mobile-only experience; one of the first fully licensed EU neobanks with €100,000 German deposit protection

N26 provides ES IBAN for Spanish customers. App in Spanish.

The lowest-cost investing platform in Europe with a full banking account — €1 flat fee per trade and 2% interest on cash make it the go-to for cost-conscious long-term investors; 8M+ users

Trade Republic hit 1 million users in Spain and opened a Spanish branch in 2025. ES IBAN. App in Spanish.

The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust

Wise widely available in Spain. App in Spanish.

SME-focused business banking (as of the March 2025 retail-exit pivot) with a multi-IBAN Pockets model (up to 15 country-specific IBANs in one account) plus an attached MiFID II brokerage and a MiCAR-licensed crypto surface — a combination no other EU SME banking product matches.

Vivid Money available in Spain with investment and cashback features. App in Spanish.

The leading B2B-only European neobank purpose-built for SMEs and freelancers — deep accounting integrations and team finance workflows, not a retail consumer play; 600,000+ business customers

Qonto provides ES IBAN for Spanish business accounts. App in Spanish.

Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle

bunq available in Spain. NL IBAN (passported). Limited Spanish language support.