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ES · EUR

Spain digital banks

Spain’s digital layer is mostly bank-owned (Abanca, B100, Openbank, imagin) plus Catalan community fintechs. B100 is a commercial brand of Abanca — same IBAN, same FGD, do not double-count the cap. A Banco de España credit institution is FGD-protected. A PSD2 wallet that shows a European IBAN is not. This desk names the entity, not the app icon.

3Live on the desk

Regulator

Banco de España and ECB; CNMV for markets

Deposit scheme

Fondo de Garantía de Depósitos (FGD) up to €100,000 per depositor per bank

In this market

Licence still sits on the product
ProductScoreHQMonthlyFXUsersLicence
B1007.1A Coruña, SpainOften €0 on core current — confirm liveBank tariff, not WiseAbanca digital armCommercial brand of Abanca Corporación Bancaria, S.A.
Abanca6.9A Coruña, SpainAccount packs — confirm live tariffHigh-street FX unless a named pack says otherwiseRetail bank-scaleCredit institution
11Onze6.2Barcelona, SpainAccount SKUs — confirm liveBusiness FX is a corridor product, not mid-market magicCommunity-scaleFintech community / wallet — not a Spanish credit institution

Questions

Is a Spanish IBAN always FGD protected?+

Only if the account sits at a credit institution in the Spanish FGD. EMI / payment-institution IBANs are safeguarded, not deposit-insured.

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Cross-check the scoring weights and the graveyard before you treat a leftover landing page as live.