Head-to-head
Santander España vs DKB: which is better in Europe? (2026)
Quick answer
Santander España scores higher overall (78 vs 66). 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
| Santander España | DKB | |
|---|---|---|
| Score | 78 | 66 |
| No DNI | No | No |
| Holds USD | No | No |
| USD APY | — | — |
| Cashback | No | No |
| FX model | Bank's own board rate — rates published daily by the bank for amounts up to 3,000 EUR, otherwise set on market quotes; standard tariff adds a 3% commission on foreign-currency card purchases | ECB euro reference rate inside the EEA / Visa's rate outside it, plus a published 2.20% foreign-currency fee that is waived at Aktivstatus |
| Docs needed | Non-Resident Account opens 100% online in English on passport + video ID (27 countries of residence) | Needs Anmeldung/German address; remote opening with German docs |
Bottom line
Santander España78/100
Deposit protection: DGS €100k (ES — Fondo de Garantía de Depósitos)
FAQ
- Santander España or DKB — which is better?
- Santander España 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.