Spain
activeNeobank
- HQ
- A Coruña
- Fee
- Often €0 on core current — confirm live
Abanca
Galician bank with a digital skin. Banco de España, not a startup.
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6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Abanca is not a bank. Your money sits with Abanca Corporación Bancaria, S.A..
If it fails?
Spanish FGD up to €100,000 per depositor per bank — B100 is the same bank, so do not double-count the cap
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account packs — confirm live tariff
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.9
/10 · Mixed
Abanca is a bank. Put it next to N26 only to show the difference: Spanish FGD versus a German IBAN. Do not list it as a challenger. If you need salary in Spain, this is the object. If you need weekend FX, it is not.
What it is
Abanca is the Galician successor bank built from NCG / Novacaixagalicia after the crisis. HQ A Coruña. Banco de España / ECB. It sits on this desk because people searching ‘digital bank Spain’ land on bank-owned apps and need the licence named. Branches still exist. That is a feature for FGD, not a failure of ‘neobank-ness’.
Best for: People who actually live in Spain and want FGD, not a Lithuanian IBAN.
Last checked 2026-08-28. Not advice.
What it does well
- +Real Spanish bank
- +FGD
- +Business + personal
- +Not a partner-bank riddle
What to watch
- −Not a travel FX product
- −App is a bank app
- −Spain-resident
- −High-street fee habits
Who holds the money
The account
- Platforms
- iOS · Android · Web
- Account types
- Personal · business current accounts
- Partner bank
- Abanca Corporación Bancaria, S.A.
- Minimum balance
- €0
- Lowest monthly fee
- Account packs — confirm live
- Who can open
- Spain residents and companies
- Availability
- Spain
How money actually moves
- Who holds the cash
- Issued / held via Abanca Corporación Bancaria, S.A.
- How money moves
- IBAN / SEPA
- Built for
- Personal · Business
- Settlement
- Local rails instant where live; SWIFT slower
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Abanca lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Spanish FGD up to €100,000 per depositor per bank — B100 is the same bank, so do not double-count the cap
Who holds the money: Abanca Corporación Bancaria, S.A.
- Banco de España / ECBCredit institution · Spain
Fees
- Monthly
- Account packs — confirm live tariff
- FX markup
- High-street FX unless a named pack says otherwise
- ATM
- Network + third-party schedule
- Interest
- Deposit products on the bank balance sheet
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Spanish IBAN current account
- Branches still exist
- Business banking
- Cards
- App + web
Score
- Safety25%
- 8.4
- Fees20%
- 6.6
- Features15%
- 7.2
- App15%
- 6.8
- Global15%
- 4.4
- Support10%
- 7.0
Change log
Full logLicence
Banco de España / ECB credit institution
Galician bank, A Coruña. Spanish FGD. Digital skin, not a startup charter.
Available in
Straight answers
FAQ
01Is Abanca a bank?
Abanca is not a licensed deposit-taker in the classic sense. Money, if any, sits with Abanca Corporación Bancaria, S.A..
02How is money protected?
Spanish FGD up to €100,000 per depositor per bank — B100 is the same bank, so do not double-count the cap
03Where is Abanca available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Abanca.
04Card and wallets?
Abanca lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Abanca remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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