Best for freelancers in Spain (2026)
8 services are confirmed available in Spain for freelancers. Wise ranks highest under this scenario.
Last updated 15 August 2026 · oldest check 19 June 2026
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
Ranked picks for Spain
- 1
True mid-market FX
- 2
Deposit protection: DGS €100k (LT)
- 3
Business accounts for freelancers & SMEs
- 4
Deposit protection: DGS €100k (NL) — euro deposits only; non-euro savings not covered
- 5
Deposit protection: DGS €100k (DE) per partner bank — cash held in escrow at partner banks; liquidity-fund balances not DGS-covered
- 6
Low-cost multi-currency account
- 7
EUR/USD + crypto in one app
- 8
Opens without local credit history
Available in Spain
| Service | Availability | Score for freelancers | Holds USD | Docs needed |
|---|---|---|---|---|
| Wise | Available | 86 | Yes | No local address needed |
| Revolut | Available | 83 | Yes | No local address needed |
| Qonto | Available | 78 | No | No local address; business registration required |
| bunq | Available | 78 | Yes | No local address needed |
| Trade Republic | Available | 74 | No | No local address needed |
| Paysera | Available | 74 | Yes | No local address needed |
| Brighty | Available | 62 | Yes | No local address needed |
| Monese | Available | 59 | Yes | No local address needed; newcomer/thin-file friendly |
| Wise | Not confirmed | 94 | Yes | DNI+CPF |
| Tuyo | Not confirmed | 78 | Yes | DNI+CUIL |
| Meru | Not confirmed | 70 | Yes | DNI+CUIL |
| mBank | Not confirmed | 63 | Yes | Needs Polish address/PESEL; remote opening possible |
4 further services may work in Spain, but we hold no country evidence either way. They are listed and marked — never ranked, never recommended.
How we decide what is available in Spain
A country list may remove a service from this page only when it is evidence. We hide a service from Spain when the provider excludes it, or when it is absent from a list we know to be complete. Where we simply have not collected the country data, the service stays: hiding it would quietly delete exactly the services we have researched least.
- AvailableThe provider's own country list reaches this country. That is eligibility to apply — not a guarantee that your application is approved.
- Not confirmedWe hold no country evidence either way. Shown so you can check it yourself, ranked below everything confirmed, and never presented as a pick.
- Not availableDocumented as unavailable — an explicit exclusion, or absence from a list the provider states is complete. Removed from this page entirely.
How this ranking is weighted
- Fees transparency
- 22%
- Foreigner onboarding
- 20%
- Reliability
- 20%
- Payout speed
- 20%
- Support & language
- 10%
- App / UX
- 8%