- No monthly fee
May 2025
ES
– May 2025
Top Self Employed Online Banks in Spain
Top Self Employed Online Banks
ES
– May 2025
- Affordable & Transparent Fees
- Hassle-Free Account Setup
- Exclusive Perks & Cashback for Business Expenses
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.
| Online Bank | Pricing | Card | What We Like | Score | Open an Account | ||
|---|---|---|---|---|---|---|---|
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1
Our Top Choice
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9.8
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2
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9.5
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3
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9.1
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4
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8.8
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5
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8.5
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6
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8.2
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Our score
9.8
N26 Review
Regulation
BaFin
Pricing
No monthly fee
Wallets
Based on 31688 reviews
Why open an account
- Joint account with a dedicated IBAN
- Free virtual card secured by encryption
- Automatically categorizes spending into a report
- Track your spending habits with Insights
1
- Grow your savings by 1.5% AER/NIR
- Get 5% discount on your freelancer fees
Our score
9.5
Revolut Review
Regulation
FCA authorised EMI
Pricing
Free account available
Wallets
Based on 161248 reviews
Why open an account
- Revolut Pro gives you simple payment options, both in person and online
- Allows to accept all types of payments, including debit cards, credit cards, digital wallets and American Express
Get a £20 welcome bonus when you sign up
2
- Earn up to 1% Cashback on every payment
- Charge your customers anywhere in the world
Get a £20 welcome bonus when you sign up
Our score
9.1
bunq Review
Regulation
DNB
Pricing
Cuenta gratuita disponible
Wallets
Based on 12308 reviews
Why open an account
- Empieza desde cualquier lugar, en cualquier momento – 100 % online, sin papeleo
- Beneficios y descuentos exclusivos con tu tarjeta de empresa
- Obtén hasta un 1 % de reembolso
- Regístrate en solo 5 minutos
- Contabilidad automatizada, gestión del IVA y procesamiento de facturas
3
- Tarifas cero para autónomos y propietarios únicos
- Recibe recompensas por cada pago
Our score
8.8
Finom Review
Regulation
DNB
Pricing
Cuenta gratuita disponible
Wallets
Based on 5812 reviews
Why open an account
- Pagos internacionales a más de 150 países
- Facturas en diferentes divisas e idiomas
- Integración de software contable
- Extracción automática del IVA
4
- IBAN español en 24 horas
Our score
Regulation
BaFin
Pricing
Cuenta gratuita disponible
Wallets
Based on 13847 reviews
Why open an account
- Transferencias SEPA instantáneas, gratuitas e ilimitadas
- Tarjetas físicas y virtuales gratuitas
- Atención rápida mediante chat o correo electrónico. Disponibilidad 24/7
5
- Consigue hasta un 10 % de cashback por cada compra
Our score
8.2
Qonto Review
Regulation
ACPR
Pricing
Cuenta gratuita disponible
Wallets
Based on 4027 reviews
Why open an account
- Crea y envía facturas profesionales
- Conecta todas tus cuentas corrientes y paga tus impuestos con facilidad
- Haz un seguimiento de todos los gastos y presupuestos desde un único panel de control.
6
- Consigue tu IBAN español en 10 minutos
How to Choose Online Bank?
24/7 Access
Online 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 online bank is the low (or even zero) fees. As an online platform without physical branches, online bank can offer lower fees than traditional banks, particularly for ATM withdrawals, currency exchange, transfers, and international payments.
Fast Approval
Opening a online 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
Online 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.