Compare personal, business, joint, student and youth accounts from major providers in Spain.
Fees & welcome rewardsDates and sources on each product
Compare accounts, fees & rewards
10 products and providers · dated sources in each entry.
Compare account and card charges; see annual costs, eligibility and reward conditions in the details.
ABANCACuenta Online Nómina
€0 with digital profile
€0Included debit card €0 under the account terms. Optional credit card only free in year one, then charged unless qualifying annual spending reaches €3,000.
Free with the digital profile. Branch operations that could be performed online in two consecutive months can move the account to a paid tariff.
Account / month
€0 with digital profile
Card / month
€0
Fee waivers
Free with the digital profile. Branch operations that could be performed online in two consecutive months can move the account to a paid tariff.
Card / month · Product
Included debit card €0 under the account terms. Optional credit card only free in year one, then charged unless qualifying annual spending reaches €3,000.
Annual maintenance
€0* · Conditional
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
Debit card included. Credit-card maintenance free for the first year only and excluded from this example. Standard online SEPA transfers free; other operations, ATMs and currencies follow the tariff.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
€500 gross (€405 net) for qualifying new salary/pension credit of at least €1,200/month, retained for 24 months. The lower salary tier earns €185 gross. Early departure triggers proportional repayment; the welcome benefit does not remove digital-profile conditions. Enrolment deadline: 2027-01-31.
€0First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
No salary or minimum activity required for free account maintenance. Welcome rewards have separate conditions.
Account / month
€0
Card / month
€0
Fee waivers
No salary or minimum activity required for free account maintenance. Welcome rewards have separate conditions.
Card / month · Product
First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
Sabadell ATMs in Spain: €0. Listed EURO 6000 banks: €0 from €60. Other transactions, currencies and ATM-operator surcharges can cost extra.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
€400 gross advertised salary bonus, paid monthly over 12 months (bank calculation €400.08 gross/year). New salary of at least €1,000/month and Bizum for 12 months. Open 8 October–12 November 2026. Tax withholding applies. Enrolment deadline: 2026-11-12.
€0First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
No salary requirement for free maintenance. One debit card included.
Account / month
€0
Card / month
€0
Fee waivers
No salary requirement for free maintenance. One debit card included.
Card / month · Product
First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
Santander ATM withdrawals have no bank fee. Online euro transfers free except urgent transfers. Other ATMs, currency conversion and other channels can cost extra.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
Up to €840 over two years: monthly rewards for qualifying salary credit (top tier €1,500), Bizum use and direct-debit bills. All reward activities and caps apply; free account maintenance does not itself require these activities. Availability checked: 2026-10-22.
€0First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
No salary or direct-debit requirement for free maintenance. The optional salary bonus has separate conditions.
Account / month
€0
Card / month
€0
Fee waivers
No salary or direct-debit requirement for free maintenance. The optional salary bonus has separate conditions.
Card / month · Product
First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
Debit-card issue and maintenance free. Listed domestic ATM networks free; others pass on the charge. International ATM charge 4%, minimum €3. Online standard/instant euro SEPA transfers free.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
Up to €600 gross: €50/month for qualifying salary/pension credit of at least €850; up to 12 payments within 13 months. Enrol 15 September–28 October 2026 or the first 50,000 contracts, whichever comes first. Enrolment deadline: 2026-10-28.
€0First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
No salary requirement for free account and Aqua debit card. Optional credit cards have separate terms.
Account / month
€0
Card / month
€0
Fee waivers
No salary requirement for free account and Aqua debit card. Optional credit cards have separate terms.
Card / month · Product
First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
BBVA Spain ATM withdrawals: €0. Other domestic ATMs pass on their charge. Foreign withdrawals: 4.5%, minimum €3.50, unless a separate travel package applies. Standard and instant online euro transfers within the EEA are free.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
PLAN1060 application by 10 November 2026. Up to €1,060 in conditional first-year cash rewards: salary/pension or eligible self-employed activity, debit-card use, Bizum and bills (up to €760), plus up to €300 for maintaining €10,000 during the first year. Paid in monthly stages; the advertised maximum requires all activities and the balance condition. Enrolment deadline: 2026-11-10.
€0One original main-holder debit card included at €0 issue/maintenance. After cancelling it, newly issued debit cards follow the then-current paid tariff.
Free maintenance without salary credit. Main holder’s debit card included.
Account / month
€0
Card / month
€0
Fee waivers
Free maintenance without salary credit. Main holder’s debit card included.
Card / month · Product
One original main-holder debit card included at €0 issue/maintenance. After cancelling it, newly issued debit cards follow the then-current paid tariff.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
Additional cards and replacement after cancellation follow the contract. Check ATM networks, currency conversion and payment conditions. Eligible EEA transfers are free under the product terms.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
Optional payroll cash reward up to €250, subject to salary tier, qualifying bills/card activity and retention requirements. This is an alternative to gifts or vouchers, not cumulative with the Samsung TV option. Availability checked: 2026-10-22.
Non-cash reward · conditions
Separate payroll-reward option, not an automatic reward for opening the free online account. The 55-inch TV tier requires salary of at least €2,500/month, three direct debits and three card purchases per quarter. Salary commitment 24 months, then retain an account/deposit above €5 for a further 24 months. Limited stock; incompatible with alternative cash/gift rewards. Tax and early-exit penalties apply. Confirm account compatibility with CaixaBank. While stocks last. Last checked: 2026-10-22.
€0First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Free account and debit-card maintenance without a salary requirement.
Account / month
€0
Card / month
€0
Fee waivers
Free account and debit-card maintenance without a salary requirement.
Card / month · Product
First debit card included with this named account; no minimum card-spend condition for its recurring fee. Optional credit/additional cards and transactions have separate tariffs.
Annual maintenance
€0
Issue / delivery
Standard included debit card: no issue fee under the advertised product terms.
Other charges
CaixaBank ATMs free. Imagin does not charge for debit withdrawals abroad or debit-payment currency conversion; operator charges, exchange rates and exclusions still apply.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Promotion
Up to €250 net for eligible new salary credit of at least €1,500/month; a lower salary tier earns a lower amount. Salary commitment and new-salary eligibility rules apply. The advertised additional €500 for inviting friends is excluded. Availability checked: 2026-10-22.
No salary or minimum inflows required. New customers also open a free Cuenta NARANJA.
Account / month
€0
Card / month
€0
Fee waivers
No salary or minimum inflows required. New customers also open a free Cuenta NARANJA.
Card / month · Product
Virtual debit card €0. First optional physical card costs €5 on activation, without an ongoing maintenance fee for this product.
Annual maintenance
€0
Issue / delivery
Optional physical card: €5 on activation.
Other charges
Free virtual card. Optional first physical card: €5 on activation. Check compatible ATMs, other networks, currency conversion and payment-channel charges.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Virtual debit card €0 recurring fee. Optional physical Standard card: €10 one-off delivery; not a monthly charge.
Annual maintenance
€0
Issue / delivery
Optional physical card: €10 one-off.
Other charges
Free virtual card. Optional physical Mastercard: €10 one-off. Two free monthly euro withdrawals in the euro area; further withdrawals, other currencies and ATM surcharges can cost extra.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Free maintenance and administration without a salary requirement.
Account / month
€0
Card / month
€0
Fee waivers
Free maintenance and administration without a salary requirement.
Card / month · Product
Main holder’s Open Debit: €0 issue/maintenance. Every additional holder’s card: €18 on issue and €18 annual renewal.
Annual maintenance
€0
Issue / delivery
Main-holder card €0; additional-holder card €18 on issue.
Other charges
Main holder’s Open Debit card: free issue and renewal. Each additional holder’s card: €18 for issue and annual renewal. Openbank/Santander Spain ATMs free; other operators and currency conversion can charge.
Cost calculation
12 standard months of account and the indicated card(s). Excludes issue, delivery, transactions, overdrafts, optional services and taxes. Bonuses are shown separately.
Eligibility / age
Age 18 or over; new-customer and identity-document conditions apply.
Residence
Spanish residence/tax-residence and accepted identification required under the product terms.
Editorial ranking, not financial advice. This is a major-provider shortlist, not an exhaustive register of every licensed bank. Product terms, eligibility, rates and fees can change; investment products can fall in value.
Account costs and welcome rewards
Compare monthly account and card charges first. “0 / X” shows the fee with and without the stated waiver. Expanded details show annual maintenance, eligibility, other charges and official sources. Introductory fee discounts are explained separately; transactions, taxes and optional services can cost extra.
Welcome rewards belong to the customer and may require salary credit, spending, an application code or a commitment period. Cash, vouchers and physical gifts are labelled separately. They are not deducted from annual fees. Availability may end before the advertised deadline if limits or stock are reached. A zero welcome figure means no cash welcome reward is listed for this specific product in the offer reviewed. Gifts, vouchers, deposit interest and publisher commissions are excluded. Every personal-list bank also appears in the other account-type tabs; catalogue entries are identified separately and are not priced as personal accounts.
