We recommend
€0/mo
paid tiers optional
Best for: Getting a working ES account before your NIE exists.
Monthly fee
€0 base
Opening
In-app, ~15 min
Docs
Passport only
App
Excellent
Card
Virtual instantly
✓ES IBAN works for rent and utilities
✓Opens before residency paperwork
✓Free ATM withdrawals (limited)
×No branches
×No Bizum, which Spaniards use for everything
From the Bank accounts comparison in Mallorca. Prices checked June 2026.