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Updated October 18, 2026 · VaultCue Editorial Team

Top savings accounts compared in Spain

456 accounts available in Spain, ranked for Spain.

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score. How we rank

Top savings accounts compared in Spain
OrderAccountScoreFeaturesKey factsActions
1
bunq logo
bunqTop pickPartner
8.9/10
  • Expats
  • Travelers
  • No monthly fee
  • Joint account
Headline rate:
3.01%
Rate type:
Variable
Deposit protection:
EU DGS up to EUR 100,000
ReviewCompareVisit
2
bunq Spain Bank Account logo
bunq Spain Bank AccountPartner
8.7/10
  • Expats
  • Travelers
  • No monthly fee
  • Low FX
  • Joint account
Headline rate:
3.01%
Rate type:
Variable
Deposit protection:
EU DGS up to EUR 100,000
ReviewCompareVisit
3
Qonto logo
QontoPartner

Up to 5% AER account remuneration for 2 months for new customers: 5% AER for 2 months, then 1.5% AER on the Smart plan

8.7/10
    Headline rate:
    1.5%
    Rate type:
    Variable
    Minimum deposit:
    €0
    		ReviewCompareVisit
    4
    Bitpanda logo
    BitpandaPartner
    		9.0/10
    • No monthly fee
    Headline rate:
    2.38%
    Rate type:
    Variable
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareVisit
    5
    iuvoSAVE logo
    iuvoSAVEPartner
    		8.7/10
    • No monthly fee
    Headline rate:
    5%
    Rate type:
    Fixed
    Term:
    3 months
    		ReviewCompareVisit
    6
    N26 logo
    N26Partner

    1% travel cashback: 1% cashback for up to 12 months on qualifying Mastercard transactions outside the EEA, Switzerland and the UK

    		9.1/10
    • Expats
    • Travelers
    • No monthly fee
    • Low FX
    • Free ATM
    • Joint account
    Headline rate:
    0.3% to 1.5%
    Rate type:
    Variable
    Deposit protection:
    EU DGS up to EUR 100,000
    		ReviewCompareVisit
    7
    Sendwave logo
    SendwavePartner

    Sendwave Wallet cash back or rewards

    		9.0/10
      Deposit protection:
      FSCS up to GBP 85,000
      Access terms:
      Senders in Belgium, Canada, Germany, Spain, France, UK, Ireland, Italy, Portugal, US; Sendwave Wallet senders from US and UK only
      Account kind:
      Cash management
      		ReviewCompareVisit
      8
      Finom logo
      FinomPartner

      Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000

      		8.9/10
      • No monthly fee
      • Free ATM
      Headline rate:
      5%
      Rate type:
      Fixed
      Minimum deposit:
      €0
      		ReviewCompareVisit
      9
      Panda Remit logo
      Panda RemitPartner

      Zero transfer fee and better exchange rate for first-time customers: Zero transfer fees for the first transfer

      		8.3/10
        Deposit protection:
        FDIC up to USD 250,000
        Access terms:
        On demand, 24/7; exchange rate can be locked for 24 hours
        Legal entity:
        Wotransfer PTE. LTD.
        		ReviewCompareVisit
        10
        Airwallex logo
        AirwallexPartner

        Limited offer - business rewards with Airwallex AI: Up to HK$68,888

        		8.6/10
          Headline rate:
          2.18% to 3.83%
          Rate type:
          Variable
          Minimum deposit:
          HK$0
          		ReviewCompareVisit

          Licensed in Spain

          bunq
          Banco de España
          bunq
          SEPBLAC
          Openbank
          Banco de Espana
          ABANCA
          Banco de España
          Redsys/Imagin (Imagin Bank)
          Banco de España
          Redsys/Imagin (Imagin Bank)
          Direccion General de Seguros y Fondos de Pensiones (DGSFP) - insurance distribution register
          Renta 4 Banco
          Comision Nacional del Mercado de Valores (CNMV)
          Ledn
          Comision Nacional del Mercado de Valores (CNMV) - MiCA licence in process, not yet granted
          Self Bank (Selfbank by Singular Bank)
          Banco de España
          Self Bank (Selfbank by Singular Bank)
          CNMV
          Self Bank (Selfbank by Singular Bank)
          Direccion General de Seguros (linked insurance operator)
          Bit2Me
          CNMV (Comision Nacional del Mercado de Valores)
          Bit2Me
          Banco de Espana
          Bit2Me
          Comision Nacional del Mercado de Valores (CNMV)
          Raisin Spain
          Banco de España
          Avant Money
          Banco de Espana
          MyInvestor
          Banco de España
          MyInvestor
          Comisión Nacional del Mercado de Valores (CNMV)
          Bnext
          Bank of Spain
          Imagin
          Banco de España

          Other rankings

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          Other countries

          bunq

          bunq

          Top pick for Spain

          8.9/10Visit