Free Debit Cards in Spain 2026: What They Really Cost

A debit card can cost €0 to issue and maintain and still charge €30 when you spend €1,000 in a non-euro currency. That is the result of a flat 3% fee—the standard rate currently published for Openbank Open Debit and Santander Debit when no travel benefit applies.

€30

cost of a flat 3% fee on €1,000 of non-euro card spending

"Free debit card" is not one price. Check four separate lines: issuance or delivery of the physical card, card and account maintenance, renewal or replacement, and purchases in currencies other than euros.

The exact account-and-card combination matters. One bank can offer several products with completely different conditions. This comparison covers selected major products researched on June 19, 2026; it is not a list of every debit card sold in Spain.

A free card can still charge for delivery

BBVA's Aqua debit card with Cuenta Online, Santander Debit with Cuenta Online, the debit card included with CaixaBank's Cuenta Online and Openbank Open Debit for the first holder currently list issuance and maintenance at €0. MyInvestor also lists issuance, maintenance and renewal at €0.

ING depends on the account. Cuenta NÓMINA includes the physical debit card at €0. Cuenta NoCuenta includes a free virtual card but charges €5 whenever a physical debit card is issued.

Revolut Standard charges €0 for the first card itself, but delivery is separate. Its currently published schedule lists €6.99 for standard local delivery.

A €0 issuance fee does not necessarily mean a €0 physical card.

The account matters as much as the card

BBVA and Santander currently market online accounts with account maintenance and debit-card issuance and maintenance at €0 without requiring a salary. Santander's salary, Bizum and direct-debit requirements belong to a separate cash-reward promotion, not to the fee waiver.

CaixaBank's current Cuenta Online also lists account maintenance and debit-card issuance and maintenance at €0. That does not mean every CaixaBank account or card has the same conditions.

ING must be split by product. Cuenta NÓMINA costs €3 a month if the customer does not receive a salary, pension, unemployment benefit or at least €700 in monthly income from another bank. Cuenta NoCuenta has no account-maintenance fee, but each physical card issue costs €5.

Openbank's Cuenta Corriente Open has no maintenance conditions and includes Open Debit free for the first holder. MyInvestor states that its account has no costs or conditions and that card issuance, maintenance and renewal are free.

EVO is no longer a current standalone option. Bankinter states that EVO has been fully integrated into Bankinter and describes the former EVO products as migrated products.

Compare the named account and card, not just the bank logo.

Renewal is not replacement

Renewal, replacement, duplicate issuance and emergency delivery are different fee lines.

ING charges €5 whenever it issues a physical Cuenta NoCuenta card. Its fee document states that this includes the first request and later requests caused by blocking, loss or expiry.

Revolut Standard's currently published schedule lists €6 for each replacement card, plus delivery.

Openbank and MyInvestor explicitly state that renewal is free, but their public product pages do not establish that every replacement following loss or theft costs €0. Where a bank's current public page does not state a replacement price clearly, the safe answer is to check the card contract—not assume €0.

There is therefore no reliable rule that digital banks replace cards for free while traditional banks charge.

Foreign-currency costs are product-specific

Openbank Open Debit and Santander Debit currently publish a standard 3% charge on purchases in currencies other than euros.

Openbank removes its own foreign-currency commission when Travel+ is active for €4.99 a month, although Mastercard may still apply a margin to the European Central Bank reference rate.

Santander Viajes costs €3 a month and removes the debit-card purchase commission under its terms. Santander also publishes a foreign-currency purchase exemption for customers under 30.

BBVA's free Pack Viajes Esencial refunds the commission on the first €300 of non-euro purchases each month. Outside that allowance, BBVA's published standard commission is 3%. Customers under 30 receive Pack Viajes Superior without charge.

ING's standard card tariff is 3%, but Cuenta NÓMINA currently includes a free travel plan that refunds foreign-currency purchase fees on up to €1,000, subject to the plan's terms. Cuenta NoCuenta offers the same free allowance to customers aged 27 or under; other customers should check the available travel-plan options and the standard tariff outside an active allowance.

MyInvestor does not charge 0%. It states that non-euro purchases use Visa's official rate plus a 1.5% network cost.

Revolut does not promise an interbank rate. Its terms state that it uses its own variable exchange rate. Under the currently published Standard schedule, the monthly exchange allowance is €1,000, the fair-use fee above that allowance is 1%, and weekend conversions carry a 1% fee.

CaixaBank's Cuenta Online product page does not display one current foreign-currency percentage for every associated debit card. Customers should check the contract applicable to their card rather than relying on a generic "around 3%" estimate.

Cash withdrawals are a separate calculation and can add ATM-owner, withdrawal and currency-conversion charges.

Recomputed examples

At a flat 3%, the calculation is:

€1,000 × 3% = €30

With BBVA's commission refunded on the first €300 of eligible monthly purchases:

(€1,000 − €300) × 3% = €21

Using MyInvestor's stated 1.5% network cost:

€1,000 × 1.5% = €15

An eligible ING Cuenta NÓMINA customer can instead have the bank's foreign-currency purchase commission refunded on up to €1,000 under the current included travel plan, subject to activation and the plan terms.

The result depends on the product, amount, timing, customer age and any active travel plan.

Which products are actually free?

No product below is unconditionally free across every possible use. The table names the exact account and card so unlike products are not merged into one bank-level claim.

Revolut states that the cited schedule already applies to customers joining on or after May 7, 2026, while customers who joined earlier move to those terms on July 9, 2026 unless told otherwise.

The result is not simply "digital banks win". Openbank and MyInvestor keep domestic fixed costs simple. BBVA, Santander and CaixaBank currently offer online account-and-card combinations at €0. ING varies materially by account and travel-plan eligibility. Revolut Standard adds delivery, replacement and exchange-limit considerations.

For a broader account comparison, see the fee-free accounts comparison and the guide to seven common bank commissions.

Key takeaway

Connect your account to Banknaked and review the fees detected in the last 90 days, including card and currency charges. Free and no signup required. Bank connections use read-only access, and the report expires automatically after 7 days. Run a free fee analysis.

A €0 card can still charge for delivery, replacement or currency conversion. Compare the exact product, not just the logo.

Sources:

• Banco de España — Bank fees
• BBVA — Cuenta Online and Pack Viajes
• Banco Santander — Cuenta Online, debit-card fees and Santander Viajes
• CaixaBank — Cuenta Online
• ING España — Cuenta NÓMINA, Cuenta NoCuenta and price annex
• Openbank — Cuenta Corriente Open and Open Debit
• MyInvestor — debit card and account FAQ
• Revolut España — Standard Plan fees
• Bankinter — EVO migration FAQ