- Languages English +21
- Country availability Austria +37
- Services Multi-currency account
- Monthly fee Very low
- Card delivery time Mid
- Best for Spending while abroad
- Bank details Euro IBAN +11
- Supported currencies US dollar +50
- Overdraft No
- Annual interest rate Very low
- Supports cash deposits No
- International transfers Yes
Best Online Bank Accounts in Spain: Fees, Exchange Rates, and Online Banking in 2024
Guide
A writer and editor at Monito, Jarrod is passionate about helping people apply todayâs powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.
Links on this page, including products and brands featured on âSponsoredâ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.
Read moreSpain has a very highly developed financial sector in traditional banking but has also seen a rise in online and mobile banking, also known as neobanks. The country is also a very popular destination for expats and non-residents to go to work and live, whether from Latin America, North America, or the EU.
Spain provides a large number of options for both Spanish citizens and non-residents to access local financial services to deposit salaries in euros, pay rent, and spend with contactless cards in the local currency.
Here, we will explore the best Spanish online checking accounts in 2024, including Revolut and N26. You'll find great mobile options and online Spanish bank accounts with no fees.
Revolut: One of the best overall mobile fintech apps, Revolut gives users from the EU a powerful multi-currency account, an IBAN, and a UK sort code.
N26: We recommend N26 if you're looking for a smart mobile alternative to traditional banks since it's probably the most complete online bank in Spain.
How Monito Scores Online Banks in Spain
We used a consumer-first framework to analyse several key factors to determine which online banks scored better than others in the Spanish and EU/EEA markets. To begin, we weighed several concrete metrics relating to factors such as fees and rates, ease of use, credibility, service and coverage, transparency, and customer satisfaction to piece together a reliable all-around picture of which top digital banks offer the savviest solutions to Irish residents.
Next, we explored these results and presented our findings in the form of a series of key takeaways that we believe you should know about the three digital banks ranked highest.
In our definition of "online bank," we only consider online-first banks and not traditional legacy banks that have pivoted to digital banking in recent years while still maintaining a brick-and-mortar infrastructure.
While we ranked these online banks on an overall list, bear in mind that this list does not mean that our choice for Spain's best digital bank is necessarily the best choice for you. As you'll see, each online bank comes with its own unique set of pros and cons that may impact its overall relevance to you.
Without further ado, let's go through our rankings for the top online banks in Spain in 2024 â
Best Online Bank Accounts in Spain
- 01. Best current account â N26
- 02. Best for sustainable banking â Tomorrow
- 03. Best all-rounder â Revolut
- 04. Best for foreign currency spending â Wise
- 05. Best local account â Imagin
- 06. Best paid current account â bunq
- 07. Best for cashback â Vivid Money
- 08. Recapping the 7 best Spanish online bank accounts
N26 â Best Free Current Account
Arguably the best-known mobile bank, N26 is a widely-used and much-loved German online bank with around seven million customers across the EU. N26 is also partnered with Wise's money transfer service, allowing in-app international money transfers at some of the best exchange rates on the market.
Because of its complete current account offering, we recommend N26 to just about anybody interested in low-cost banking. Residents of Spain and 20 other EEA countries are eligible to open an account.
Account name: N26 Standard
Account type: Current (Spanish IBAN).
Total cost: âŹ0 per month.
Noteworthy features: Instant social payments, overdraft facilities, cash deposit (in Germany, Austria and Italy).
More info: See our full N26 review.
N26 in Short
N26 offers several paid accounts and one free account, 'N26 Standard', which in our opinion is a very capable and complete online banking package in and of itself (especially considering it doesn't cost a cent in monthly fees). 'N26 Standard' is a fully-fledged current account available online and in the N26 app. It allows mobile payments and includes a transparent debit Mastercard which arrives with no delivery fee.
While very cheap, there are some costs to consider when using the 'N26 Standard' account. For example, the account is free up to three ATM withdrawals per month in the Eurozone, after which it costs âŹ2 per withdrawal. And, as mentioned above, cash withdrawals at ATMs outside the Eurozone (e.g. Switzerland, Norway, UK, US, etc.) come with a fairly steep 1.70% commission on the total amount withdrawn.
N26 Advantages
- Integrated with Wise for international money transfers;
- A secure current account with a licensed bank;
- Instant transfers to most other SEPA bank accounts;
- The standard plan is practically free for everyday use.
N26 Disadvantages
- A 1.70% fee for foreign currency ATM withdrawals;
- No interest, loans, joint account, or multi-currency functionality;
- Upgrade needed for unlimited, fee-free cash withdrawals.
Final Word
Upgrading plans with N26 can cost you between âŹ4.90 and âŹ16.90 and will bring you benefits such as comprehensive insurance, spending statistics, and preferential customer support. However, the core banking features of N26 are all available on the free account, and in our opinion, this account should give you everything you're looking for if free basic banking services are what you're after.
Tomorrow â Best for Sustainability
Tomorrow is a fintech company affiliated with German bank Solarisbank striving for positive impact and claiming to put sustainability before profit. Customers can choose between three sustainable current accounts, the first two coming with a plastic Visa debit card, and the premium tier coming with a wooden Visa debit.
We particularly think Tomorrow's basic 'Now' account is the ideal choice for sustainability-oriented customers due to its low all-around costs and pro-sustainability investments. You must have residency in either Germany, Austria, Italy, or Spain to open an account.
Account name: Now
Account type: Current (held by Solarisbank, German bank details).
Total cost: âŹ3-âŹ9 per month (depending on how much you withdraw).
Noteworthy features: Climate contributions, savings pockets
More info: See our full Tomorrow review.
Tomorrow in Short
All three of Tomorrow's paid account models (which range from âŹ3 to âŹ15 per month) create sustainable investments. This is achieved using transaction costs and user deposits, which are partly invested in projects such as afforestation, sustainable energy production, or drinking water purification in poorer regions of the world.
Tomorrow Advantages
- Customer money is invested in sustainable projects;
- Good checking account for everyday use;
- Attractive pricing for foreign currency transactions;
- Interesting perks, including community pockets and Tomorrow Funds;
- Stylish debit card in an artistic design.
Tomorrow Disadvantages
- Starts at âŹ3 per month in account management fees;
- Cash withdrawals can be pricey;
- Missing cash deposits, international transfers and other core features.
Tomorrow's Sustainable Mission
Even with Tomorrow's base account, the CO2 footprint of the account holder is compensated, and with its premium 'Zero' account, the package comes with a debit card made of wood, which is a unique perk that allows your card to stand out visually from the rest.
Aside from its focus on sustainability, Tomorrow also has a lot to offer functionally. The platform enables free payments worldwide and offers currency conversion at the mid-market exchange rate with both account models. Cash withdrawals abroad on the free account cost 1.5% of the withdrawal amount.
Final Word
We are particularly interested in the fact that Tomorrow offers an excellent user experience despite its sustainable approach and stands out with attractive fees for use at home and abroad. Thus, you won't have to compromise when receiving a sustainable current account with excellent functionality and low transaction costs.
Revolut â Best All-Rounder
A major name in the digital fintech sphere, Revolut has stood at the forefront of Europe's low-cost online financial services sector in recent years.
With over 12 million users, the London-based fintech is not only available in the EU and EEA but across the world. However, we think Revolut is best used as a spending tool, especially to take advantage of its multi-currency account. Revolut is not a bank.
Account name: Standard
Account type: Current (Lithuanian account details).
Total cost: âŹ0 per month.
Noteworthy features: UK account details, multi-currency balances.
More info: See our full Revolut review.
Revolut in Short
Revolut is a powerful fintech company that comes with a multi-currency account, checking account, debit card, foreign exchange services, and much more. It's versatile app makes it an attractive alternative to high-street banks due to its unique ability to offer low fees and impressive scope of service.
Opening up a 'Standard' account with Revolut is completely free, but the delivery of the first debit card will set you back around âŹ5. While ATM withdrawals are also free, a 2% fee (at a minimum of âŹ1) will be charged on all withdrawals after the first âŹ200 or five withdrawals every month. What's more, transferring money to other Revolut users is not only free but instant. This makes the service a reliable choice if those you most frequently send money are also Revolut users themselves.
In addition, Revolut offers low fees on international money transfers, leaving the service an attractive choice for those who send money across borders frequently. They charge no exchange rate margins on weekdays, with users only subject to a flat 0.50% fee on all transfers sent abroad. However, be aware that Revolut charges twice the fee for international money transfers made on weekends â bumping the fee to 1% on Saturdays and Sundays.
Revolut Advantages
- An extensive range of multi-currency options;
- Debit card is well-priced for international spending;
- Includes investment functionality;
- Slick mobile app with many features;
- Foreign transactions up to âŹ1,000 (or equivalent) exempt from FX fees.
Revolut Disadvantages
- Access to some interesting perks is restricted to 'Standard' users;
- Many foreign currency transactions incur a fee;
- Higher currency conversion costs on weekends.
Revolut Plans
Here's a full overview of Revolut's different account offerings:
- Standard: With zero up-front costs, the Standard option offers a digital current account (with a Lithuanian IBAN) with no monthly fee and a free debit card. ATM withdrawals are free up to five withdrawals or âŹ200 per month (whichever comes first). After that, it costs 2% of the value of the ATM withdrawal.
- Plus: Plus accounts cost âŹ2.99 per month, including a debit card. ATM withdrawals are free of charge up to âŹ200 per month, after which a 2% fee applies.Â
- Premium: Premium accounts cost âŹ7.99 per month, including a debit card, and there are no fees for ATM withdrawals up to âŹ400 per month. After that, it costs 2% of the value of the ATM withdrawal.
- Metal: Metal accounts cost âŹ13.99 per month, including a debit card. ATM withdrawals up to âŹ800 per month are free, and after that, it costs 2% of the value of the ATM withdrawal.
Final Word
In the end, Revolut is among the best fintech products currently available on the market and provides a capable spending option next to a main bank account. It is ideal if you'd like to cut down on the high fees associated with basic services at high-street banks and is particularly well-suited for travelling abroad, especially if you plan to spend less than âŹ1,000 (or equivalent) and do most of your spending on weekdays. It's for all these reasons that we rate Revolut as the best all-rounder in Spain.
Wise â Best Multi-Currency Account
Wise is not a bank but a money transfer operator well-known for offering some of the cheapest international transfers globally. (In fact, according to our rankings, Wise is indeed the best money transfer service of all.) However, money transfers aren't Wise's only game; they also offer the Wise Multi-Currency Account â a low-cost foreign currency spending account and card product that's best in class on the market.
Account name: Multi-Currency Account
Account type: Electronic Money Account (held by Barclays in the UK, Wells Fargo in the US, DBS in Singapore, etc.).
Total cost: âŹ0 per month.
Noteworthy features: International money transfers, multiple account details, multi-currency balances.
More info: See our full Wise Multi-Currency Account review.
Wise in Short
Applying for a Wise Account is fast and easy and can be done using proof of residence in Spain (or dozens of other countries around the world). Once you're signed up and your card has arrived (which takes up to two weeks in Spain), you'll be able to take advantage of the following unique features with the account:
- Local bank details in the US, Eurozone, UK, Australia, New Zealand, Singapore, Romania, Canada, Hungary, and Turkey;
- Hold, exchange, and top-up up to 56 currencies;
- A multi-currency Visa debit card that's handy for paying in foreign currencies without the hidden fees;
- Access to Wise's powerful international money transfer service right from your account balance.
Wise Advantages
- Account details in as many as 10 currencies;
- Hold money in 50+ currencies;
- Send money to 80+ countries from your account;
- Some of the lowest money transfer fees available on the market;
- Pricing is accessible and transparent;
- Mid-market exchange rate offered for currency transfers;
- Wise card can be used to avoid foreign transaction fees;
- No setup fees or monthly charges.
Wise Disadvantages
- Cash or cheque payments aren't supported;
- Overdraft and loans aren't available;
- Negative interest on large Euro account balances;
- Fees to top up the account via debit and credit card;
- Tight limits and conditions to fee-free ATM withdrawals.
How Wise Works
To get a sense of just how useful Wise can be for frequent travellers and expats, let's say that you've just moved from the UK to Spain and you'd like to spend in Euros before you've got your proof of residence sorted out. With the Wise Multi-Currency Account, you'll be able to:
- Send British pounds from your bank account to your Wise Euro account;
- Convert to Euros at a low fee (e.g. if you add âŹ1,000 and pay with British pounds, the total fee will be around 0.35% or ÂŁ3*);
- Pay with your Wise debit card, make or receive SEPA (and SWIFT) payments, and set up direct debits.
You'll also have a dedicated set of Belgian bank details to share with an employer in Spain. Belgian IBANs are fully eligible in France and across the Eurozone, and rejecting the payout or receipt of funds based on the origin of an IBANÂ is illegal. Note that this account does not offer an overdraft, and you wonât earn interest on any in-credit balances.
Final Word
It's for the above reasons that we think Wise is the best online multi-currency account available in Spain and a product we firmly recommend for holidaymakers, online spenders, and expats alike.
* Conversion made on 05/11/2021
Imagin â Best Spanish Online Bank
Imagin is a Spanish neobank in partnership with CaixaBank, one of the largest high-street banks in the country. You can access your account directly from the mobile banking app on your smartphone.
Imagin comes with a debit card, which you can use to deposit and withdraw cash from CaixaBank ATMs for free. The app also has budgeting features that track your spending and helps you stay on top of your finances.
Account name: Imagin
Account type: Current (Spanish IBAN).
Total cost: âŹ0 per month.
Noteworthy features: Spanish bank account details, deals on brands, and mobile payments.
More info: See our full Imagin review (in Spanish).
Imagin in Short
Imagin is a current account that offers a fully-functional banking experience to anyone with Spanish residence. In addition to zero monthly fees and free ATM withdrawals at CaixaBank ATMs, you can receive benefits with name brands if you spend with the Imagin debit card at the Imagin online shop. However, Imagin does charge high foreign transaction fees, which is why we would recommend cards with other bank accounts on this list if you intend to spend outside of the Eurozone.
Imagin offers only one account type but does allow you to open youth and children accounts for your family. Both of those accounts are managed by a mobile app, which comes with fun games and features that help prepare your children for financial independence and responsibility.
Imagin Advantages
- Withdrawing money is free with CaixaBank ATMs;
- Free transfers in Spain and in the eurozone;
- No minimum balance is required;
- B Corp certified and supports sustainable initiatives;
- Integrated with mobile wallet Bizum.
Imagin Disadvantages
- No option to transfer to other currencies;
- Poor customer reviews;
- 2.4% foreign card transaction fee.
Final Word
The Imagin account is suitable for Spanish residents who want a cash-friendly online bank account and who want free ATM withdrawals within the CaixaBank ATM network. Imagin is not ideal for travel spending but does have some unique offers for customers who use its internal online marketplace.
*Website in Spanish only
Bunq â Best Paid Current Account
Dutch neobank bunq doesn't really lift a candle to some of the other contenders on this list in terms of affordability. That's because bunq doesn't offer a free account, and many of its services come with additional fees. However, for those who don't mind paying higher fees every month for an online bank account, then bunq comes packed with many interesting features and perks to take advantage of.
Account name: Easy Bank
Account type: Current (Spanish, French, German, or Dutch bank details).
Total cost: âŹ2.99 per month.
Noteworthy features: Bill splitting, Wise money transfer integration,
More info: See our full bunq review.
Bunq in Short
Available in Spain and most EU/EEA countries, bunq offers three different bank account types priced between âŹ2.99 and âŹ17.99 per month. Following a major pricing update in 2021, bunq went from being one of the cheapest neobanks for overseas spending to one of the most expensive. On bunq's most affordable plan, card spending in foreign currencies while abroad incurs a 1.5% commission on the transaction amount as well as a 0.5% network fee, while on the two more premium plans, the 1.5% commission is waived for cashless payments abroad, but the 0.5% network fee remains.
Cash withdrawals are also rather pricey at bunq, regardless of the plan. On the cheapest 'Easy Bank' plan, not only does the âŹ0.99 per withdrawal fee apply for the first four withdrawals per month (after which the fee bumps up to âŹ2.99 per withdrawal), but these come in addition to the 1.5% commission and 0.5% network fee for foreign currency withdrawals. This means that for a $1,000 withdrawal in the US, you'd pay 2.1% in fees, which is comparable to the fees charged by traditional banks.
Despite the pricing update, whether you're an expat, a frequent traveller, or a digital nomad, you'll find bunq to still be, on average, a cheaper option for overseas spending than traditional banks, though, although not quite as cheap as come of its major alternatives such as N26 and Revolut.
Bunq Advantages
- The choice between a Spanish, German, French, or Dutch IBAN;
- Partnered with Wise for international money transfers;
- A licensed bank in the Netherlands;
- Notifications and sub-accounts to manage spending;
- Built-in savings with interest.
Bunq Disadvantages
- No free plan is available;
- Climate contribution on 'Easy Green' plan is usually not worth it;
- Relatively expensive premium tiers;
- ATM withdrawals are pricey on all plans.
Bunq Plans
Bunq accounts break down into three tiers as follows:
- Easy Bank: A low-cost current account with a German, French, Spanish, or Dutch IBAN that comes with a debit Mastercard and money transfer capabilities. The account costs âŹ2.99 per month.
- Easy Money: An account with added features and functionalities, including spending statistics, four free ATM withdrawals per month, budgeting features, unique deals, a metal debit card, and bookkeeping software. The account costs âŹ8.99 per month.
- Easy Green: The premium tier, Easy Green's unique feature allows users to track the progress of the reforestation initiative already linked to other tiers (i.e. a tree planted for every âŹ100 spent). Costing âŹ17.99 per month, we've found in our bunq review that this initiative is not worth it for most users.
Final Word
Because of the costs involved, we think bunq isn't suitable for all kinds of users, especially those looking to cut back on expenses or those who aren't necessarily looking for an eco-friendly solution in their bank. However, suppose you live in Spain, France, Germany or the Netherlands and want an IBAN for one of these countries (and especially if you don't mind paying the âŹ2.99 per month fee for the perks that bunq has to offer). In that case, we'd recommend bunq's 'Easy Bank' plan, which provides an interesting paid online bank account that will probably give you everything you're looking for and more.
Vivid Money â Best Cashback
A partner of German bank Solarisbank AG, Vivid Money isn't a bank in and of itself but a fintech company offering a digital account and card. By combining a checking account with cashback features, Vivid Money users can save up to 25% on everyday purchases and easily refinance the account management fees of âŹ9.90 per month that comes with the premium tier (although there is a free tier too offering less cashback).
This excellent cashback is the reason we think Vivid Money has the best rewards program of any online bank in Spain. Residents of Spain, Germany, France, or Italy are eligible to open an account.
Account name: Vivid Prime
Account type: Current (held by Solarisbank, German bank details).
Total cost: âŹ9.90 per month.
Noteworthy features: Cashback program, fractional investment (stocks, ETFs, crypto, precious metals), multi-currency balances, insurances.
More info: See our full Vivid Money review.
Vivid Money in Short
An ideal banking option for those looking for fruitful cashback, Vivid Money's premium plan 'Vivid Prime' provides the best cashback program we've seen from any online account in Spain. However, although it offers significantly less cashback, we also highly recommend Vivid Money's free account. This plan comes with a free metal debit card that can be used for payments worldwide free of charge and allows fee-free cash withdrawals of up to âŹ200 per month. This makes Vivid one of the most interesting and attractive neobanks on the Spanish market.
Vivid Money Advantages
- Lucrative cashback on payments.
- Fee-free fractional investments in US stocks and ETFs.
- Free payments at home and abroad.
- The first âŹ200 withdrawn per month is free worldwide.
- Handy in-app tools (e.g. investment, bill splitting, etc.).
- Up to 15 free sub-accounts in up to 100 different currencies.
- Free metal Visa debit card.
Vivid Money Disadvantages
- No phone support.
- No international transfers or cash deposits.
How Does Vivid Cashback Work?
As mentioned, the main difference between the paid and the free variant lies in the type of cashback program. The free Vivid account, 'Vivid Standard', is limited to âŹ20 cashback per month via the so-called Champions program â a loyalty program for various establishments. In 'Vivid Prime', users receive up to âŹ100 cashback per month for shopping at popular retailers, cafes, restaurants, and many other institutions, including up to 10% cashback on brands of your choice.
Ultimately, new users need to decide for themselves which Vivid account best suits them best. In short, however, we see Vivid as one of the best neobanks on the Spanish market â both in its free and paid variants.
The Best Online Banks in Spain Compared
To wrap things up, let's take a look at how the product, service, and pricing of a few of the online banks and fintech apps we explored compare to one another in Spain. We've chosen to compare the standard plan of Vivid Money, Tomorrow, bunq, and N26 because of their similar all-round product offerings:
Top 7 Best Online Checking Accounts in Spain (Updated For 2024)
Looking For the Best Spanish Bank Account As a Non-Resident?
Read our in-depth guide to learn the specifics of how to open a bank account online in Spain for non-residents and foreigners. We tease out your options, which include Spanish bank accounts with no fees.
Frequently Asked Questions About Online Banks in Spain
đŞđ¸ What is the best online bank in Spain?
7 of the best Spanish online accounts include:
đ Are online banks safe?
Yes, in Spain, online banks are indeed safe and secure financial institutions. Not only are they duly authorised and regulated by the central banks in their respective countries of origin, but Spanish online banks offer deposit protection to their customers in accordance with Spanish and EU guidelines, meaning that, in most cases, 100% of funds will be reimbursed in the event of bankruptcy.
đ Are online banks considered non-banks?
Yes and no. Strictly speaking, an 'online bank' is an up-and-coming financial institution that places digital solutions at the forefront of its product and service offerings. Therefore, an online bank can still, by all means, be a registered and regulated bank, as is the case with N26. However, most online banks are indeed non-banks and inhabit a regulatory 'grey zone' between being fully-fledged banks and financial technology companies.
đ¨ââď¸ Are online banks regulated?
Yes, online banks are regulated by the same laws and regulations that govern all other financial services providers in France, namely authorization and oversight by the central banks of their respective countries and adherence to the financial compensation guidelines.
đ° How do online banks make money?
Like legacy high-street banks, online banks make money from personal clients through service fees associated with opening, maintaining, and utilizing an account and various features. However, for a number of reasons including the fact that most online banks do not maintain offices, online banks are able to reduce their pricing to outcompete traditional banks at the price point.
How can I learn to speak Spanish fluently?
Read our guide on how to learn Spanish fast and at your own pace.
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- Wise Multi-Currency Account Monito Score 8.9
- Revolut Monito Score 8.6Monito Score
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- Languages English +20
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- Services All-in-one finance app
- All-in-one finance app
- Monthly fee Very low
- Very low
- Card delivery time Mid
- Mid
- Best for Spending online +1
- Spending online
- Spending while abroad
- Bank details UK account no. & sort code +1
- UK account no. & sort code
- Euro IBAN
- Supported currencies United Arab Emirates dirham +26
- United Arab Emirates dirham
- Australian dollar
- Bulgarian lev
- Canadian dollar
- Swiss franc
- Czech koruna
- Danish krone
- Euro
- Pound sterling
- Hong Kong dollar
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- Qatari riyal
- Romanian leu
- Saudi riyal
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- US dollar
- rand
- Overdraft Yes
- Annual interest rate Very low
- Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
- Conotoxia Multi-Currency Card Monito Score 8.6Monito Score
- Trust & Credibility
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- Languages Polish +1
- Polish
- English
- Country availability Austria +28
- Austria
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- Services Multi-currency account +1
- Multi-currency account
- Travel card
- Monthly fee Very low
- Very low
- Card delivery time Fast
- Fast
- Best for Spending while abroad
- Spending while abroad
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Euro +19
- Euro
- US dollar
- Pound sterling
- Swiss franc
- Australian dollar
- Canadian dollar
- Czech koruna
- Danish krone
- denar
- Japanese yen
- Mexican peso
- Norwegian krone
- New Zealand dollar
- Russian ruble
- Swedish krona
- Singapore dollar
- Thai baht
- Turkish lira
- rand
- Polish zloty
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits No
- International transfers Yes
- Trust & Credibility
- Vivid Money Monito Score 8.3Monito Score
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- Languages English +4
- English
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- Country availability Austria +26
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- Italy
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- Luxembourg
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- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Sweden
- Spain
- Services Travel card +2
- Travel card
- Multi-currency account
- All-in-one finance app
- Monthly fee Very low
- Very low
- Card delivery time Fast
- Fast
- Best for Spending while abroad +1
- Spending while abroad
- Trading stocks or cryptos
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Albanian lek +40
- Albanian lek
- United Arab Emirates dirham
- Armenian dram
- Australian dollar
- Bosnia and Herzegovina mark
- Brazilian real
- Bulgarian lev
- Canadian dollar
- Chinese yuan
- Croatian kuna
- Czech koruna
- Danish krone
- Euro
- lari
- Pound sterling
- Hong Kong dollar
- forint
- Indian rupee
- Israeli new shekel
- Japanese yen
- South Korean won
- denar
- Malaysian ringgit
- Mexican peso
- Moldovan leu
- Moroccan dirham
- New Zealand dollar
- Norwegian krone
- Polish zloty
- Romanian leu
- Russian ruble
- Saudi riyal
- Serbian dinar
- Singapore dollar
- rand
- Swedish krona
- Swiss franc
- Thai baht
- Turkish lira
- Ukrainian hryvnia
- US dollar
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits No
- International transfers No
- Trust & Credibility
- Tomorrow Monito Score 8.2Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages German +1
- German
- English
- Country availability Germany +17
- Germany
- Belgium
- Estonia
- Finland
- Ireland
- Georgia
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Austria
- Portugal
- Slovakia
- Slovenia
- Spain
- Cyprus
- Services All-in-one finance app
- All-in-one finance app
- Monthly fee Moderate
- Moderate
- Card delivery time Mid
- Mid
- Best for Spending online
- Spending online
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Euro
- Euro
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits No
- International transfers No
- Trust & Credibility
- N26 Monito Score 8.0Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages English +4
- English
- French
- Spanish
- German
- Portuguese
- Country availability Austria +20
- Austria
- Belgium
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Iceland
- Ireland
- Liechtenstein
- Luxembourg
- Netherlands
- Norway
- Poland
- Portugal
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- Services Full bank account
- Full bank account
- Monthly fee Very low
- Very low
- Card delivery time Slow
- Slow
- Best for Everyday banking
- Everyday banking
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Euro
- Euro
- Overdraft Yes
- Annual interest rate Very low
- Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
- Monese Monito Score 8.0Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages English +11
- English
- French
- German
- Spanish
- Portuguese
- Italian
- Czech
- Estonian
- Lithuanian
- Polish
- Romanian
- Turkish
- Country availability Austria +30
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Luxembourg
- Lithuania
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- United Kingdom
- Services All-in-one finance app
- All-in-one finance app
- Monthly fee Very low
- Very low
- Card delivery time Fast
- Fast
- Best for Easy registration
- Easy registration
- Bank details UK account no. & sort code +2
- UK account no. & sort code
- Euro IBAN
- Romanian account no.
- Supported currencies Euro +2
- Euro
- Pound sterling
- Romanian leu
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
- bunq Monito Score 7.2Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages English
- English
- Country availability Netherlands +29
- Netherlands
- Austria
- Belgium
- Bulgaria
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Luxembourg
- Lithuania
- Malta
- Norway
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- Services Full bank account
- Full bank account
- Monthly fee Moderate
- Moderate
- Card delivery time Mid
- Mid
- Best for Everyday banking +3
- Everyday banking
- Easy registration
- Spending while abroad
- International money transfers
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Euro
- Euro
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
- Zen Monito Score 7.1Monito Score
- Trust & Credibility
- Service & Quality
- Fees & Exchange Rates
- Customer Satisfaction
- Languages English +7
- English
- Polish
- German
- Spanish
- French
- Greek
- Italian
- Ukrainian
- Country availability Austria +29
- Austria
- Belgium
- Bulgaria
- Cyprus
- Croatia
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Liechtenstein
- Luxembourg
- Malta
- Netherlands
- Poland
- Portugal
- Romania
- Slovakia
- Slovenia
- Spain
- Sweden
- United Kingdom
- Gibraltar
- Services Multi-currency account +1
- Multi-currency account
- Travel card
- Monthly fee Low
- Low
- Card delivery time Fast
- Fast
- Best for Spending while abroad
- Spending while abroad
- Bank details Euro IBAN
- Euro IBAN
- Supported currencies Euro +29
- Euro
- US dollar
- Pound sterling
- Polish zloty
- Australian dollar
- Bulgarian lev
- Canadian dollar
- Chinese yuan
- Croatian kuna
- Czech koruna
- Danish krone
- Hong Kong dollar
- forint
- Israeli new shekel
- Japanese yen
- Kenyan shilling
- Mexican peso
- New Zealand dollar
- Norwegian krone
- Qatari riyal
- Romanian leu
- Saudi riyal
- Singapore dollar
- rand
- Swedish krona
- Swiss franc
- Thai baht
- Turkish lira
- Ugandan shilling
- United Arab Emirates dirham
- Overdraft No
- Annual interest rate Very low
- Very low
- Supports cash deposits Yes
- International transfers Yes
- Trust & Credibility
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Youâre probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monitoâs award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests â all allowing you to make the savviest decisions with confidence.
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