Head-to-head
CaixaBank / HolaBank vs Millennium BCP: which is better in Europe? (2026)
Quick answer
CaixaBank / HolaBank scores higher overall (71 vs 70). Below is exactly where each one wins.
Last updated 15 August 2026 · Cross-checked against official sources
Data reviewed by Ilya ChernetskiyFounder and editor, nomoneda
This head-to-head was generated from our rankings: both services appear in the same shortlists. The facts and scores below are the same ones used everywhere else on the site.
At a glance
| CaixaBank / HolaBank | Millennium BCP | |
|---|---|---|
| Score | 71 | 70 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | No |
| FX model | Bank's own rate: market exchange rate plus a 2.5% CaixaBank surcharge on foreign-currency transfers | Card-network reference rate + International Servicing Fee (ISF); no bank board rate or spread published for card FX |
| Docs needed | No NIE needed; HolaBank tailored to non-residents | Needs NIF/residency; online flow accepts Residency Authorization Card or Passport |
Bottom line
CaixaBank / HolaBank71/100
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
FAQ
- CaixaBank / HolaBank or Millennium BCP — which is better?
- CaixaBank / HolaBank scores higher overall in our ranking, but the right choice depends on whether you prioritise fees, USD support or onboarding.
- Can I use both?
- Yes — many relocants keep one for receiving USD and another for daily spending.