Best digital banks in Spain
Editorial comparison of 100% digital banks available in Spain, without affiliate links, evaluated by functionality and fees.
Data verified in: 2026-07
| Product | APY | Conditions |
|---|---|---|
| N26 | €0 basic plan, €4.99 premium | Fully digital, account opening in 5 minutes, integrated multi-currency. Free plan with full checking account features. |
| Revolut | €0 standard plan, €4.99 plus | Specialized in travel and currency exchange without fees. Integrated interest-bearing account. Optional cryptocurrencies. |
| Openbank (Banco Santander) | €0 checking account | Santander's digital subsidiary, complete Spanish regulation. Account with Spanish IBAN and automatic debits available. Integrated interest-bearing accounts. |
| Imaginbank (CaixaBank) | €0 checking account | CaixaBank's digital subsidiary. Fully manageable from app. Automatic debits and full traditional banking features. |
Data verified in July 2026. Complete Spanish banking regulation. Deposit guarantee funds: N26 is German subsidiary (€100k at BAfin), Revolut is British (£85k at FCA), Openbank and Imaginbank are Spanish (€100k).
Other calculators you may find useful
If you found this calculator useful, you might also want to check out:
Frequently asked questions
Is digital banking safe? Is my money protected?
Yes, they are regulated. The deposit guarantee fund protects up to €100,000 (or equivalent by country of regulation). Check where the bank is regulated.