Compare ABANCA: Everyday account with no maintenance fee if used digitally, free debit card 1 A ABANCA Everyday account with no maintenance fee if used digitally, free debit card No reward 0% TAE None €0 n/a Counter operations for two consecutive months turn it into a standard account with fees None 22 Oct 2026 today Sourcefor ABANCA: Everyday account with no maintenance fee if used digitally, free debit card (opens in a new tab) Compare B100: Online account with no fees and no conditions, no payroll or direct debits required 2 B B100 Online account with no fees and no conditions, no payroll or direct debits required Fees Waived None €0 n/a None 22 Oct 2026 today Sourcefor B100: Online account with no fees and no conditions, no payroll or direct debits required (opens in a new tab) Compare Bankinter: Everyday account with no fees, no payroll or direct-debit requirement, free debit card 3 B Bankinter Everyday account with no fees, no payroll or direct-debit requirement, free debit card No reward None None €0 n/a None None 22 Oct 2026 today Sourcefor Bankinter: Everyday account with no fees, no payroll or direct-debit requirement, free debit card (opens in a new tab) Compare BBVA: Everyday account with no administration or maintenance fees, free debit card, 0% interest 4 B BBVA Everyday account with no administration or maintenance fees, free debit card, 0% interest No reward 0% TAE None €0 n/a None None 22 Oct 2026 today Sourcefor BBVA: Everyday account with no administration or maintenance fees, free debit card, 0% interest (opens in a new tab) Compare CaixaBank: Everyday account with no admin or maintenance fees, one debit card included, 0% interest 5 C CaixaBank Everyday account with no admin or maintenance fees, one debit card included, 0% interest No reward 0% TAE None €0 n/a None None 22 Oct 2026 today Sourcefor CaixaBank: Everyday account with no admin or maintenance fees, one debit card included, 0% interest (opens in a new tab) Compare ING: Free current account with free cards and transfers if EUR 700+ arrives monthly, else EUR 3 a month 6 I ING Free current account with free cards and transfers if EUR 700+ arrives monthly, else EUR 3 a month Fees Waived None €0 n/a Income of €700/month or more Payroll, pension, unemployment benefit or monthly income of EUR 700+ from another bank Credit card is subject to ING risk approval reward value unknown needs income of at least EUR 700 a month 22 Oct 2026 today Sourcefor ING: Free current account with free cards and transfers if EUR 700+ arrives monthly, else EUR 3 a month (opens in a new tab) Compare ING: Current account with no fees and no payroll requirement 7 I ING Current account with no fees and no payroll requirement Fees Waived None €0 n/a None 22 Oct 2026 today Sourcefor ING: Current account with no fees and no payroll requirement (opens in a new tab) Compare MyInvestor: No fees, no payroll needed, free cards, one free ATM withdrawal a month worldwide 8 M MyInvestor No fees, no payroll needed, free cards, one free ATM withdrawal a month worldwide Fees Waived None €0 n/a 1 free ATM withdrawal a month; 4 free if you have a mortgage with MyInvestor or EUR 3,000 in investment products No cash deposits: no branches or deposit machines 22 Oct 2026 today Sourcefor MyInvestor: No fees, no payroll needed, free cards, one free ATM withdrawal a month worldwide (opens in a new tab) Compare N26: Free account with a virtual debit card and 2 free euro ATM withdrawals a month 9 N N26 Free account with a virtual debit card and 2 free euro ATM withdrawals a month No reward None None €0 n/a Valid ID or passport plus a Spanish NIF or NIE Legal address in Spain and a smartphone None 22 Oct 2026 today Sourcefor N26: Free account with a virtual debit card and 2 free euro ATM withdrawals a month (opens in a new tab) Compare Openbank: Free account and debit card, free transfers and free cash at 5,000+ Santander and Euro Automatic Cash ATMs 10 O Openbank Free account and debit card, free transfers and free cash at 5,000+ Santander and Euro Automatic Cash ATMs Fees Waived None €0 n/a Cuenta Nómina Open perks need payroll, pension, benefit or income of EUR 900+ a month; otherwise it works as a Cuenta Corriente Open Credit card is subject to risk approval 22 Oct 2026 today Sourcefor Openbank: Free account and debit card, free transfers and free cash at 5,000+ Santander and Euro Automatic Cash ATMs (opens in a new tab) Compare Pibank: No fees; free cash at any ATM with a EUR 1,000+ payroll; pays 2.50% TIN above EUR 5,000 11 P Pibank No fees; free cash at any ATM with a EUR 1,000+ payroll; pays 2.50% TIN above EUR 5,000 Fees Waived None €0 n/a Income of €1,000/month or more Domicile payroll, pension or recurring income of at least EUR 1,000 a month Can be tried for 3 months without domiciling payroll Without payroll, Spanish ATM withdrawals cost 100% of the ATM owner's charge (old fees sheet) reward value unknown needs income of at least EUR 1000 a month 22 Oct 2026 today Sourcefor Pibank: No fees; free cash at any ATM with a EUR 1,000+ payroll; pays 2.50% TIN above EUR 5,000 (opens in a new tab) Compare Revolut: Free European account with a debit card; ATM withdrawals free up to EUR 200 or 5 a month 12 R Revolut Free European account with a debit card; ATM withdrawals free up to EUR 200 or 5 a month No reward None None €0 n/a Fair-use limit on currency exchange of EUR 1,000 a month; 1% fee above it and 1% extra on weekends None 22 Oct 2026 today Sourcefor Revolut: Free European account with a debit card; ATM withdrawals free up to EUR 200 or 5 a month (opens in a new tab) Compare Banco Sabadell: Everyday account with no fees and no conditions, free debit and credit card 13 B Banco Sabadell Everyday account with no fees and no conditions, free debit and credit card No reward None None €0 n/a None 22 Oct 2026 today Sourcefor Banco Sabadell: Everyday account with no fees and no conditions, free debit and credit card (opens in a new tab) Compare Santander: Everyday account with no fees and no conditions, 0% interest 14 S Santander Everyday account with no fees and no conditions, 0% interest No reward 0% TAE None €0 n/a None None 22 Oct 2026 today Sourcefor Santander: Everyday account with no fees and no conditions, 0% interest (opens in a new tab) Compare Unicaja: Everyday account with no maintenance fee, free debit card, free SEPA transfers 15 U Unicaja Everyday account with no maintenance fee, free debit card, free SEPA transfers No reward None None €0 n/a New customers only No Unicaja products in the last 12 months None 22 Oct 2026 today Sourcefor Unicaja: Everyday account with no maintenance fee, free debit card, free SEPA transfers (opens in a new tab) Compare Banco Mediolanum: Current account free if EUR 700+/month arrives or EUR 3,000+ is in managed products, otherwise EUR 5/month 16 B Banco Mediolanum Current account free if EUR 700+/month arrives or EUR 3,000+ is in managed products, otherwise EUR 5/month Rate 1.25% TAE 6 mo · first €15,000 Unknown -€9.37 n/a Income of €700/month or more Fee waiver and interest need recurring income of EUR 700+/month, or EUR 3,000+ in Mediolanum managed products (funds, life insurance, pension plans) as first holder Contract through a Family Banker or a Family Bankers' Office Individuals only Promotional rate and 3 free months are for new customers only needs income of at least EUR 700 a month 22 Oct 2026 today Sourcefor Banco Mediolanum: Current account free if EUR 700+/month arrives or EUR 3,000+ is in managed products, otherwise EUR 5/month (opens in a new tab) Compare Cajamar: No fees with a EUR 1,200+ payroll or EUR 20,000+ in balances, otherwise EUR 20 a month; 2.02% TAE up to EUR 20,000 17 C Cajamar No fees with a EUR 1,200+ payroll or EUR 20,000+ in balances, otherwise EUR 20 a month; 2.02% TAE up to EUR 20,000 Fees Waived None -€240 n/a Income of €1,200/month or more To avoid the fee: domicile a payroll of EUR 1,200+ OR hold more than EUR 20,000 in account, deposits or financial markets with Cajamar reward value unknown needs income of at least EUR 1200 a month 22 Oct 2026 today Sourcefor Cajamar: No fees with a EUR 1,200+ payroll or EUR 20,000+ in balances, otherwise EUR 20 a month; 2.02% TAE up to EUR 20,000 (opens in a new tab)