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.

6Live on NeoBankDB

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

Product	Score	HQ	Monthly	FX	Users	Licence
imagin	7.3	Barcelona / Valencia, Spain	€0 on core current — confirm live	Bank tariff, not Wise	~4 million	Trade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent
B100	7.1	A Coruña, Spain	Often €0 on core current — confirm live	Bank tariff, not Wise	Abanca digital arm	Commercial brand of Abanca Corporación Bancaria, S.A.
Abanca	6.9	A Coruña, Spain	Account packs — confirm live tariff	High-street FX unless a named pack says otherwise	Retail bank-scale	Credit institution
Kontigo	6.3	Miami / LatAm, United States	$0 core pitch — confirm live	On/off-ramp spread is the product	Stablecoin-wallet	Fintech. Not a bank. USDC wallet + card rails. Kontigo Inc.
11Onze	6.2	Barcelona, Spain	Account SKUs — confirm live	Business FX is a corridor product, not mid-market magic	Community-scale	Fintech community / wallet — not a Spanish credit institution
Íkualo	6.2	Madrid / Brussels rails, Spain	Freemium plus card fees — confirm live	Corridor product, not mid-market magic	Migrant-fintech	EMI — Paynovate SA, ref. 0506763929. Íkualo is the brand