Best Neobanks in Spain (August 2026)
Discover leading mobile banks around the globe, including top choices available for consumers and businesses in Spain. Find the ideal platform that suits your personal or business banking needs.
See 32 mobile banks available in Spain
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There are 20 neobanks available in Spain.
Last updated August 2026
est. 2011
Money for here, there and everywhere.
Available in
Spain and 176 other countriesAvailable for
est. 2012
est. 2015
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Which personal neobanks are best for residents of Spain?
A personal neobank in Spain offers a convenient and often more affordable alternative to traditional banks. These online-only solutions provide multi-currency accounts, international transfers, and debit cards. Whether you travel often, work remotely, or simply want to manage your finances more efficiently, neobanks offer a seamless, cost-effective option for residents of Spain.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Bunq – The future calls for banks that are sustainable in as many ways as possible. Enjoy benefits that help you save time, money and CO2. All with the safety and security of a true bank.
- Bitwala – Bitwala is the app to manage, save and grow your money. Invest in cryptocurrencies, create savings plans and earn up to 5% interest per year on bitcoin directly from a German bank account.
- Imagin – Discover Imagin, your online bank with no fees where, in addition to managing your money, you can enjoy a community and lots of discounts and benefits.
- Pixpay – A real, secure Mastercard for teens aged 10 and over with a financial education app for your teenager and a co-piloting app for each parent
Which business neobanks are best for businesses based in Spain?
A business neobank in Spain provides a tailored solution for companies operating in the country. These online-only platforms offer multi-currency accounts, international payments, and expense-management tools designed for businesses. Whether you're a startup or an established enterprise, a business neobank can streamline your finances and cut costs in Spain.
- Wallester – Wallester Business offers a comprehensive platform for managing corporate expenses, providing virtual and physical Visa cards along with real-time transaction monitoring and automated reporting.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Wamo – Discover the ultimate business banking solution with Wamo. Physical & virtual cards, team accounts. Do it all from one app. Ready in 10 minutes!
- Multipass – MultiPass is a bank challenger that offers multi-currency virtual IBANs, local EU, UK and US accounts as well as a corporate card to cover day-to-day business expenses. Note: Multipass accepts companies from the UK and other countries on a case-by-case basis
- Bunq – The future calls for banks that are sustainable in as many ways as possible. Enjoy benefits that help you save time, money and CO2. All with the safety and security of a true bank.
Frequently asked questions about neobanks
Everything you need to know about mobile banking — the essentials, answered.
What is a neobank?
A neobank operates primarily through a mobile app, letting you manage your money digitally without ever visiting a physical branch.
How secure is mobile banking?
Neobanks use advanced security measures such as encryption, two-factor authentication, and biometric logins to keep your financial data protected.
Can I open a neobank account as a non-resident?
Many neobanks serve non-residents, though requirements vary. Check each provider's eligibility rules before applying.
What are the main advantages of a neobank?
Lower fees, 24/7 digital access, real-time transaction notifications, and modern money-management tools compared with traditional banks.
Are there any fees with a neobank?
Most neobanks reduce or remove monthly fees, but charges can still apply for out-of-network ATM withdrawals, currency conversion, or premium plans.
How do I deposit money into a neobank account?
Usually via bank transfer, direct deposit, or by adding a card; some neobanks also support cash deposits at partner locations.
How do I choose a neobank?
Compare fees, available features, supported countries, customer support, security, and user reviews against your own needs.
What is the difference between a neobank and an online bank?
Neobanks are usually app-first fintechs that may partner with a licensed bank, while online banks are typically the digital arm of an established, fully licensed bank.