Best digital banks in Spain

The best digital banks in Spain, ranked on the Bankz Trust Score™ — approval odds, all-in cost, speed and capabilities. Picks update live from verified, sourced data. No pay-to-rank.

Top picks — Best digital banks in Spain

Bank
1QO Qonto ES · Qonto Business Account (España)	€11 · 60%Qonto — Cuenta para empresas, autónomos y freelancers (España)https://qonto.com/esSource class: website · reliability 80%Last verified 10d agoPlan-based monthly fee; entry plans for autónomos/freelancers, higher tiers for teams.	None · 64%Qonto — Cuenta para empresas, autónomos y freelancers (España)https://qonto.com/esSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	2 days · 58%Bankz analyst desk — Spain (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	79/100 · B
2BB BBVA ES · Cuenta Online Negocios BBVA	Free · 56%BBVA México — Empresas (Business Banking)https://www.bbva.mx/empresas.htmlSource class: website · reliability 80%Last verified 10d agoOften €0 for autónomos meeting conditions; SME plans may add fees.	None · 56%BBVA México — Empresas (Business Banking)https://www.bbva.mx/empresas.htmlSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	6 days Bankz analyst desk — Spain (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	66/100 · B
3BA Banco Sabadell ES · Cuenta Expansión Negocios Sabadell	€10 Banco Sabadell — Cuenta para empresas y autónomoshttps://www.bancsabadell.com/cs/Satellite/SabAtl/EmpresasSource class: website · reliability 80%Last verified 10d agoMaintenance fee commonly waived under Cuenta Expansión linkage conditions.	None · 56%Banco Sabadell — Cuenta para empresas y autónomoshttps://www.bancsabadell.com/cs/Satellite/SabAtl/EmpresasSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	8 days Bankz analyst desk — Spain (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	62/100 · B
4BA Banco Santander ES · Cuenta Negocios Santander	€12 Santander México — Pymes y Empresashttps://www.santander.com.mx/empresas/index.htmlSource class: website · reliability 80%Last verified 10d agoMaintenance fee often waivable on linkage/transaction conditions.	None · 56%Santander México — Pymes y Empresashttps://www.santander.com.mx/empresas/index.htmlSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	8 days Bankz analyst desk — Spain (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	61/100 · B
5CA CaixaBank ES · Cuenta Business CaixaBank	€14 CaixaBank — Cuentas para empresas y negocioshttps://www.caixabank.es/empresa/cuentas.htmlSource class: website · reliability 80%Last verified 10d agoMaintenance fee waivable under linkage/Day-to-Day program conditions.	None · 56%CaixaBank — Cuentas para empresas y negocioshttps://www.caixabank.es/empresa/cuentas.htmlSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	9 days Bankz analyst desk — Spain (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	60/100 · B

Rating = Bankz Trust Score™ · every value sourced · no pay-to-rank. Tap a column to sort.

How we picked

✓Fully digital onboarding
✓Onboarding speed
✓App & API quality
✓All-in cost
✓Trust Score

Rankings come from the Bankz Trust Score™ and your-profile fit — no pay-to-rank. See the methodology →

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Frequently asked

What are the best digital banks in Spain?

Digital and app-first providers onboard fastest and usually cost less all-in. The ranking above is built from verified, sourced data for Spain.

Informational only — not financial advice. Verify all terms with the institution.