The 11 best bank accounts in Spain in November 2026
If you’re looking to make your money work better for you, potentially earn more interest and avoid bank fees, here are the best account accounts to consider opening this November.
Finding a good bank account in Spain can be tricky due to low interest rates on savings accounts, high fees and commissions. The good news, however, is that there are some good accounts enabling you to earn more and avoid those annoying fees.
The catch is that many of these offers are only available for a limited amount of time, so if you want to take advantage, you’ll need to act quickly.
Most of them are online accounts either from digital banks or some of Spain’s well-known big banks.
Looking at data and recommendations from Economía Responsable, Help My Cash and Rankia, these are the best accounts this November.
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Openbank Cuenta Remunerada
Openbank’s interest-bearing account enables you to earn 3.25 percent APR with no balance limit, simply by activating Bizum. The return is guaranteed for 12 months and your money remains accessible at all times. This offer is available for new customers only. You can also get an extra €200 if you set up direct debits for household bills on the account. Both of these are only valid until November 16th 2026. There are no opening, maintenance, or cancellation fees.
Bankinter
Bankinter’s digital interest-bearing account offers 3 percent APR on balances up to €100,000, which is guaranteed until May 11th 2027. You don’t even have to get your salary paid into it to benefit. The offer is valid only until November 11th 2026. You can also get additional rewards by setting up a direct deposit for your salary or pension and keeping it there for a minimum of one year.
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ING
ING’s cuenta nómina or payroll account is a good option if you’re looking for a new bank account for your salary to be paid into as it has no fees. It’s an online account with debit and credit cards available. It also allows you to open two additional accounts for free and pay in any currency with no extra fees, as well free cash withdrawals from ATMs in the ING network which are located outside the EU.
BBVA
BBVA’s online bank account charges zero commissions and enables you to earn €760 during your first year just by using your account. You could also earn up to €1,060 if you move your savings over to the account too. The offer is valid only until November 10th 2026.
Revolut
Online bank Revolut gives its customers 3.51 percent AER for 4 months on balances of up to €25,000 for its savings account. There are no requirements for the first month, but from the second month onwards, you have to make three card payments of at least €5 every 30 days to benefit. This is only available for new customers. The bank also offers free cash withdrawals worldwide and the ability to make payments in other currencies.
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CaixaBank
CaixaBank’s online account with zero commissions is another good option. If you get your salary paid into the account, you can receive a cash payment of up to €250 or a voucher worth up to €400.
Trade Republic
Trade Republic’s interest-bearing account offers up to 3.04 percent APR on balances up to €50,000, and 2.53 percent APR on any amount exceeding that. This is for new customers only. It also allows free cash withdrawals worldwide and payments in any currency for no extra fees.
ABANCA
ABANCA’S online payroll account has no maintenance or administration fees and includes free debit and credit cards for the first year. You can also get up to €500 when you have your salary deposited into the account.
READ ALSO: How to change your payroll (nómina) between banks in Spain
B100
ABANCA’S B100 online account offers 2.75 percent APR on balances up to €100,000 and enables you to earn up to €2,750. There’s also a separate Cuenta Health which enables you to set a daily step goal or a time limit for social media use. If you meet your target and also use your card, you’ll earn an additional 3.15 percent APR.
Santander
Santander’s online account enables customers to earn up to €840 over two years by setting up direct deposits of at least €800, using Bizum, and setting up direct debits for two bills. This offer is available until March 31st 2027.
Imagin
The digital Imagin bank from Grupo CaixaBank gives you a reward of up to €250 when you set up a direct deposit for your salary. There are no maintenance fees or other conditions and no foreign transaction fees.