🇪🇸 Bank Fees in Spain
Spanish banks have turned the humble current account into a 240 euro a year subscription, then made you work for the discount: domicile a salary, park your bills, swipe the card often enough and they graciously waive what they invented. BBVA, Santander and CaixaBank all run the same playbook while their own online brands give the product away for free.
The banks, exposed
What BBVA Actually Charges You
BBVA hands out a free online account with one hand and bills up to 160 euros a year with the other if you sit in the ...
Last checked: June 11, 2026What Bunq Actually Charges You
Bunq sells itself as the bank of The Free, yet its free plan charges €2.99 every time you touch your own cash. The ch...
Last checked: June 11, 2026What CaixaBank Actually Charges You
CaixaBank's Día a Día program bills 60 euros a quarter, 240 a year, to anyone who fails its loyalty checklist. Spain'...
Last checked: June 11, 2026What N26 Actually Charges You
N26 waves the 'free account' flag, then charges €2 per extra cash withdrawal, 1.7% on foreign-currency cash and a bru...
Last checked: June 11, 2026What Openbank Actually Charges You
Openbank runs one of the cleanest fee schedules in Spain, then claws money back at the edges: 4.5% on ATM withdrawals...
Last checked: June 11, 2026What Revolut Actually Charges You
Revolut's Standard plan costs nothing until you hit its limits: €200 a month at the ATM, €1,000 a month in currency e...
Last checked: June 11, 2026What Banco Sabadell Actually Charges You
Sabadell's online account is genuinely free, but step into a branch or touch a foreign currency and the meter starts....
Last checked: June 11, 2026What Santander Actually Charges You
Santander prices its flagship account at 20 euros a month and makes waiving it your job: salary in, bills domiciled, ...
Last checked: June 11, 2026What Wise Actually Charges You
Wise publishes every fee before you pay it, which is more than most banks can say. But free still has edges: conversi...
Last checked: June 11, 2026All supported banks in Spain
We can analyze statements from any of these.
Abanca
Abanca Corporate
Activo Bank
Airwallex
Arquia Banca
Banca March
Banca Pueyo
Banco Caminos
Banco de Investimento Global
Banco de Sabadell
Banco Europeo de Finanzas
Bancofar
Banco Mediolanum
Banco Pichincha
Banco Santander
Bankinter
Bank Norwegian
BBVA
BCE
BNP Paribas Wealth Manage...
bunq
CaixaBank
Caixa Guissona
Caixa Popular
Caixa Rural Benicarlo
Caixa Rural de L'Alcudia
Caixa Rural Galega
Caja De Ingenieros
Cajalmendralejo
Caja Rural Albal
Caja Rural Algemesi
Caja Rural Aragon
Caja Rural Asturias
Caja Rural Baena
Caja Rural Cajaviva
Caja Rural Cañete de las ...
Caja Rural de Casas Ibañez
Caja Rural del Sur
Caja Rural de Nueva Carteya
Caja Rural El Salvador Vi...
Caja Rural Extremadura
Caja Rural Fuente Alamo
Caja Rural Granada
Caja Rural Jaen
Caja Rural Navarra
Caja Rural Onda
Caja Rural Orihuela
Caja Rural Salamanca
Caja Rural San Isidro Les...
Caja Rural San Isidro Val...
Caja Rural San Jose Alcora
Caja Rural San Jose de Al...
Caja Rural Soria
Caja Rural Teruel
Caja Rural Utrera
Caja Rural Villamalea
Caja Rural Zamora
Cajasiete
Cajasur
CBNK Bank of Collectives SA
Cetelem
Colonya
Credit Suisse
Deutsche Bank
Deutsche Bank Corporate
Ebury
Eurocaja Rural
EVO Banco
Fiare Banca Etica
Finom
Globalcaja
Grupo Cajamar
HSBCnet
IberCaja
ING
ING Wholesale Banking
Inversis
Kutxabank
Laboral Kutxa
Lunar
Monese
My Investorbanco
N26 Bank
Neteller
Nickel Beta
Openbank
PayPal
Paysera
Pleo
Qonto
Renta 4 Banco
Revolut
Ruralnostra
Santander Corporate & Inv...
Self Bank
Skrill
Soldo
Stripe
Swan
Tomamos impulso
Triodos Bank
UBS
Unicaja Banco
Vivid Money
Wise
WiZink
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