Head-to-head
EBN Banco vs Pibank: which is better in Europe? (2026)
Quick answer
EBN Banco scores higher overall (71 vs 68). 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
| EBN Banco | Pibank | |
|---|---|---|
| Score | 71 | 68 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | No |
| FX model | no_fx — EUR-only retail offering; the only foreign-currency service in the tariff is a branch-only non-SEPA transfer in divisa, priced as a commission with no exchange-rate margin published | no_fx — EUR-only product range; the Cuenta Remunerada carries no card at all and Pibank publishes no exchange-rate margin for the Cuenta Nómina debit card |
| Docs needed | NIE/residency in Spain; checking account required to open a deposit; fully remote | NIE/residency in Spain; fully remote |
Bottom line
EBN Banco71/100
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
FAQ
- EBN Banco or Pibank — which is better?
- EBN Banco 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.