EBN Banco
Pros & Cons
Pros
- Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
- Spanish bank offering competitive fixed-term deposits (Depósito Sinycon Plus) up to 48 months
Cons
- —
Rating breakdown
Why this score
Good fit for
- you want yield on an idle balance (up to 3%)
- you receive SEPA transfers
May not fit if
- you need to hold USD
- you need crypto in or out
- you need a fully rated profile — this one is rated on 5 of 6 dimensions
This is a licensed bank, so eligible deposits are protected by the deposit guarantee scheme (DGS) up to €100,000 per customer. That's a key safety factor when choosing.
- Licence
- Bank · Banco de España
- IBAN
- ES
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
Deposit & savings rates
Compare all deposits →DGS €100k protected DGS €100k (ES — Fondo de Garantía de Depósitos)
| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| Depósito Sinycon Plus 48 meses | EUR | 3% | 48 mo. | Mín. 5.000€, máx. 400.000€. Sin cancelación anticipada. Cubierto por FGD. | Sourceas of 2026-06-23 |
| Depósito Sinycon Plus 12 meses | EUR | 2.6% | 12 mo. | Mín. 5.000€, máx. 400.000€. Nuevos clientes abren cuenta corriente primero. Sin cancelación anticipada. Cubierto por FGD. | Sourceas of 2026-06-23 |
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
EBN Banco is a licensed bank (Banco de España), so eligible deposits carry DGS €100k (ES — Fondo de Garantía de Depósitos).
It is a local bank licensed in ES supporting EUR. FX model: EUR-only.
It tends to suit fixed-term deposits, fgd-covered eur savings.
Fees & terms
- Exchange rate
- EUR-only
- Card cost
- Not disclosed
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- Not disclosed
- Cashback
- Not disclosed
- Currencies
- EUR
- Transfers
- SEPA in/out, SEPA Instant in/out
- Licence
- Bank — Banco de España
- IBAN
- ES
- SEPA Instant
- Send & receive
- Verification of Payee (VoP)
- Rolling out
- FX model
- EUR-only
- Opening requirements
- NIE/residency in Spain; checking account required to open a deposit; fully remote
- English support
- No
- Remote opening
- Yes
- Headquarters
- Spain
Transfer routes
One row per direction, rail and currency — with what we hold on fees, speed and limits. A blank fee is not a free transfer; it is a fee we have not collected.
| Route | Fee | Speed | Limits |
|---|---|---|---|
| SEPAincomingEUR | Not published | Not published | — |
| SEPAoutgoingEUR | Not published | Not published | — |
| SEPA InstantincomingEUR | Not published | Instant | — |
| SEPA InstantoutgoingEUR | Not published | Instant | — |
Who holds your money
The name on the app is not always the company holding the balance, and deposit protection follows the licence rather than the brand.
| Role | Organization | Answerable for | Applies to |
|---|---|---|---|
| Licence holder | EBN BancoBanco de España | Operating under regulatory permission | All currenciesDGS €100k (ES — Fondo de Garantía de Depósitos) |
| Deposit guarantee | DGS €100k (ES — Fondo de Garantía de Depósitos)Banco de España | Paying out if the deposit holder fails | EURDGS €100k (ES — Fondo de Garantía de Depósitos) |
Recent updates
- 2026-08-15checked10 facts about EBN Banco re-checked against their sources
- 2026-06-23checked2 deposit rates at EBN Banco re-checked
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User reviews
User score
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FAQ
- Is my money protected?
- Yes. EBN Banco holds a full bank licence (Banco de España), so eligible deposits are protected by DGS €100k (ES — Fondo de Garantía de Depósitos).
- What IBAN and transfers?
- EBN Banco issues a ES IBAN. SEPA Instant: send + receive.
- Can I open remotely, in English?
- Opening is remote. Support is mainly local-language. Requirements: NIE/residency in Spain; checking account required to open a deposit; fully remote.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Independently corroborated, rated on the full model and checked within the year. This service can appear in our ranked picks.