- Free account available
July 2025
ES
– July 2025
Top Mobile Banks in Spain
Top Mobile Banks
ES
– July 2025
- Low Fees
- Quick & Easy Account Setup
- Rewards & Cash Back as You Spend
How we rank
Our research considers customer testimonials, security levels, pricing, and key advantages when ranking banking service providers. While we receive referral fees from our partners, it’s important to note that it’s not possible to purchase a favorable review or position on this site.
Advertiser disclosure
Top10MobileBanks is a free online resource meant to help users find the information they need in order to make a confident decision. We spend countless hours of research to find the most relevant content and present it in the most accessible way. However, please don’t view the information presented here as a recommendation from our end.
Please note:
All the information displayed in this site is completely subjective. Moreover, we have broad editorial discretion as to the content we publish on the site and due to various reasons, the information you see may be incomplete and/or inaccurate. Please don’t hesitate to double-check the information we provide. It’s okay, we won’t be offended – on the contrary, we would love to hear your feedback!
We’re able to offer this completely free-of-charge online resource thanks to the referral fees we receive from our partners (some of the companies listed on this site). While this may affect the location of these companies and the content we feature on the site, it’s not possible to purchase a favorable review or a position on this site.
| Mobile Bank | Pricing | Card | What We Like | Score | Open an Account | ||
|---|---|---|---|---|---|---|---|
|
1
Our Top Choice
|
|
|
|
9.8
|
|||
|
2
|
|
|
|
9.5
|
|||
|
3
|
|
|
|
9.1
|
|||
|
4
|
|
|
|
8.8
|
|||
|
5
|
|
|
|
8.5
|
|||
|
6
|
|
|
|
8.2
|
|||
Our score
9.8
Revolut Review
Regulation
Bank of Spain
Pricing
Free account available
Wallets
Based on 161248 reviews
Why open an account
- Organise subscriptions & stop unwanted payments in-app
- A 2,500-strong team prevents scams and fraud
- Finance monitoring for all linked accounts
- Up to €2.000/mo. fee-free withdrawal
- Cover all necessary travel needs
Get a €10 cash reward when you sign up
1
- Earn rewards for shopping, groceries, gifts, travel and more
- Pay like a local: hold 30+ currencies, exchange 150+
Get a €10 cash reward when you sign up
Our score
9.5
N26 Review
Regulation
Bank of Spain
Pricing
Free account available
Wallets
Based on 31688 reviews
Why open an account
- Up to 10 sub-accounts to organize your money
- No minimum or maximum deposit limit
- Support 24/7 in 5 different EU languages
- Joint account with a dedicated IBAN
2
- Free payments worldwide in any currency
- Automatically categorises spending into a report
Our score
9.1
B100 Review
Regulation
Bank of Spain
Pricing
Free account available
Wallets
Based on 18 reviews
Why open an account
- Set purchase limits to hit your savings target
- Fee-free currency exchange abroad
- Withdraw cash from any ATM
- See all your transactions in-app
3
- Earn 2.70% APR up to €50,000 in balance
- Contactless payments from your mobile
Our score
8.8
bunq Review
Regulation
DNB
Pricing
Free account available
Wallets
Based on 12308 reviews
Why open an account
- Travel Assistant updates on exchange rates
- Round up payments to save the difference
- Shows all amounts in the local currency
- Create digital payment cards
4
- Get practical money tips in-app
Our score
8.5
Regulation
ECB
Pricing
Free account available
Wallets
Why open an account
- Withdraw cash from any ATM
- Split your purchases into several payments
- Set purchase limits to hit your savings target
5
- Use a virtual wallet for contactless payments
Our score
8.2
Monese ES Review
Regulation
FCA
Pricing
Free account available
Wallets
Based on 43092 reviews
Why open an account
- App available in 15 languages
- Money pots with round-up feature
- Joint accounts with another Monese user
6
- Instant Monese to Monese payments
How to Choose Mobile Bank?
24/7 Access
Mobile bank gives users the flexibility to access their accounts and perform transactions anytime, anywhere. It offers 24/7 access to account information and services, making it ideal for those with busy schedules.
Low Fees
Another key reason to use mobile bank is the low (or even zero) fees. As an online platform without physical branches, mobile bank can offer lower fees than traditional banks, particularly for ATM withdrawals, currency exchange, transfers, and international payments.
Fast Approval
Opening a mobile bank account is easy and hassle-free, with no lengthy paperwork required. Simply download the app, verify your identity, top up your account, and you’re all set.
Boarders
Mobile banks offer borderless bank with low exchange rates and minimal or no ATM withdrawal fees worldwide, making travel much easier and more affordable, especially within the Eurozone.
Customer Support
Customers can get help with their accounts anytime, whether it’s resolving an issue, getting answers to a question, or seeking advice on financial products.
Innovative Features
It often includes extra features like budgeting tools, financial insights, and customizable alerts, offering a more complete financial management experience.
Security
Real-time Alerts
Users can receive instant notifications about account activities, helping them stay informed about transactions and potential fraud.
Fraud Prevention
Dedicated fraud prevention team, who are responsible for handling the highest-risk scam cases and implementing necessary measures to prevent fraud.
Transactions Control
Spending limits, disable transactions for certain types (international, ATM withdrawals), or require additional verification for large transactions.
Account Monitoring
Track your account activity in real time and receive alerts for suspicious login attempts or transactions.
Digital Wallet Integration
Seamlessly integrates with digital wallets such as Apple Pay and Google Pay, allowing users to make contactless payments, store cards, and manage various financial activities from a single platform.
Multi-factor Authentication
Multi-factor Authentication (MFA) goes beyond just a password and requires an additional step to verify your identity, such as a code from your phone or a fingerprint scan.