Fine
€0–20/mo
Cuenta Online free
Best for: People who want a global brand and branch network.
Monthly fee
Free online, fees in-branch
Opening
Online or branch
Docs
NIE preferred
App
Decent
Card
Debit included
✓Everywhere in Spain and abroad
✓Online account is free
✓Useful if you bank Santander at home
×In-branch accounts carry the highest fees in this list
×Customer service queues
From the Bank accounts comparison in Barcelona. Prices checked June 2026.