We recommend
€0/mo
Cuenta Online
Best for: Most newcomers. Open online with an NIE, no fees.
Monthly fee
€0 online account
Opening
Online or branch
Docs
NIE or passport
App
Best in Spain
Card
Free debit
✓Fully online opening
✓App handles everything in English
✓Free Bizum transfers
×Branch service pushes products
×Some features need the NIE, not just a passport
From the Bank accounts comparison in Barcelona. Prices checked June 2026.