Business Accounts in Spain
Cuentas for an SL, an autónomo or a branch registered in Spain, from the large retail banks to the regional and cooperative ones and the digital arms aimed at small business. Spanish pricing turns on the relationship: maintenance fees often fall away if card takings or payroll run through the bank, which moves the real cost more than the headline number does. Check maintenance and transfer charges, cash deposit rules, how quickly you get a certificado de titularidad for grants and tenders, and if the app and support work in English. Pan-European providers are listed by product. Ranking follows reader clicks and each bank's reach.
- 1
Spain's second-largest bank, offering fee-free Cuenta Negocios for both autónomos and companies, with no income or spending requirements. Full banking license under Spain's deposit guarantee scheme.
- 2
Catalan-rooted Spanish bank with €100 billion in assets, offering fee-free Cuenta Negocios for autónomos and pymes. Strong digital banking platform and Spanish deposit guarantee coverage.
- 3
Spain's largest bank by assets, offering fee-free business and self-employed accounts with online opening, credit cards, and integrated payment terminals. Licensed under Spain's deposit guarantee fund.
- 4
Barcelona-based bank with €130 billion in assets, offering fully digital Cuenta Online for autónomos with no fees and 2.5% TAE on savings. Licensed Spanish bank with deposit guarantee coverage.
- 5
Spanish digital-native bank founded 1965, offering remunerative business accounts with up to 3% TAE first year, no fees, and dedicated support. Licensed bank with full FGD coverage.
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A regional Aragonese bank offering the Cuenta Negocios Profesionales, a remunerative account with no commission for the first six months, designed for autonomous workers, freelancers, and professionals across Spain.
- 7
Andalusian-rooted bank with €35 billion assets, offering fee-free Requetecuenta Digital for autónomos with up to 1.25% TAE and €900 promotional bonus. Licensed Spanish bank with deposit guarantee.
- 8
A Galician bank offering the Cuenta Autónomos with no fees, a €500 bonus for domiciliating self-employed contributions, and digital-first business banking suited to small traders and professionals.
- 9
An Italian-founded bank with Spanish retail operations offering the Cuenta Emprendedores for self-employed and business owners, featuring interest on balances and flexible fee waiver conditions.
- 10
A Basque regional cooperative bank offering the Cuenta Negocio for self-employed and small business owners, with flexible terms and digital-first banking for businesses across northern Spain.
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A Basque cooperative bank offering business banking solutions for entrepreneurs and small enterprises, with digital-first operations and regional strength in northern Spain.
- 12
A cooperative rural bank serving self-employed workers and small businesses across Spain, with no administrative or card fees, particularly strong in agricultural and rural sectors.
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A Madrid-based bank specializing in professional collectives and business sectors, offering business checking accounts with flexible terms and integrated credit access tailored to small enterprises.
Frequently asked questions
Can I find a business account in Spain that doesn't charge monthly maintenance fees?
Yes, several options allow you to avoid fees entirely. Many large retail banks offer fee-free accounts for both autónomos and companies, while some digital-first accounts for self-employed workers also come with no commissions.
Are there any business accounts that pay interest on my balance?
You can find remunerative accounts that offer interest on your business balance. Some options provide high TAE rates during the first year, while others offer interest through specific entrepreneur or digital accounts.
Will my money be protected if I open an account with one of these banks?
Most of the listed options are licensed Spanish banks covered by the Spanish deposit guarantee scheme. This includes large national banks, regional banks, and cooperative banks.
Are there specific banks that offer bonuses for new customers or for certain actions?
Some banks provide cash bonuses if you meet certain criteria, such as domiciling your self-employed contributions. Others offer promotional bonuses for opening a new digital account.
I'm a freelancer, do these banks offer accounts specifically for autónomos?
Yes, many of the listed banks provide specialized accounts designed for autonomous workers and professionals. These often feature lower fees or specific digital tools to help manage self-employment.