Best for spending abroad in Spain (2026)
8 services are confirmed available in Spain for spending abroad. 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
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
- 4
Deposit protection: DGS €100k (DE) per partner bank — cash held in escrow at partner banks; liquidity-fund balances not DGS-covered
- 5
Business accounts for freelancers & SMEs
- 6
Deep crypto exchange
- 7
Crypto, stocks & metals in one app
- 8
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
Available in Spain
| Service | Availability | Score for spending abroad | Holds USD | Docs needed |
|---|---|---|---|---|
| Wise | Available | 86 | Yes | No local address needed |
| Revolut | Available | 83 | Yes | No local address needed |
| Santander España | Available | 78 | No | Non-Resident Account opens 100% online in English on passport + video ID (27 countries of residence) |
| Trade Republic | Available | 78 | No | No local address needed |
| Qonto | Available | 76 | No | No local address; business registration required |
| Kraken | Available | 76 | Yes | No local address needed |
| Bitpanda | Available | 74 | No | No local address needed |
| BBVA | Available | 74 | No | TIE holders fully online; NIE starts online, finishes in branch; passport branch-only |
| Wise | Not confirmed | 95 | Yes | DNI+CPF |
| Monzo | Not confirmed | 84 | No | Needs Irish address |
| BoursoBank | Not confirmed | 81 | No | Needs French address; remote opening with French docs |
| Tuyo | Not confirmed | 76 | Yes | DNI+CUIL |
| DKB | Not confirmed | 74 | No | Needs Anmeldung/German address; remote opening with German docs |
| Sumeria (ex-Lydia) | Not confirmed | 73 | No | No local address needed; FR-focused |
6 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
- 28%
- Reliability
- 20%
- App / UX
- 18%
- Support & language
- 14%
- Payout speed
- 12%
- Foreigner onboarding
- 8%