Bank accounts and Money transfer services

Here’s a list of recommended bank accounts and money transfer services.

Money Transfer Services

Spartan FX

Spartan FX: FCA-regulated, no transfer fees, real human service. Free ‘Moving Money to Spain’ guide for Spainguru readers.

Go to Spartan FX

Recommended Bank Accounts & Other Financial Platforms

E-Residence

E-Residence: Spain-based licensed firm (Lic. 62802L, since 2013). Obtain your Spanish NIE remotely and open a Spanish bank account online — no need to travel. Spainguru readers save €10 with code SPAINGURU.

Go to E-Residence
Wise

Wise: One international account for 40+ currencies and 160 countries. Transparent fees and Google/Apple Pay compatible.

Go to Wise
N26

N26: Spanish IBAN, Bizum, up to 4% interest. Get €10 when you open an account and spend €10.

Go to N26
BBVA

BBVA: Top Spanish bank. €35 bonus when using code 41000012499964 and spending €35.

Go to BBVA
Raisin

Raisin: German platform offering high-yield savings across EU banks. Bonuses based on deposit size.

Go to Raisin
Trade Republic

Trade Republic: 3.75% interest on cash. Covered by EU guarantee. €10 stock reward for new users.

Go to Trade Republic

Helpful videos

Banks hide this when sending money to Spain

The benefits of using Wise in Spain

Top 5 highest interest accounts